Lightstream Loan · Leverage Credit For Cashflow

Jordan Ockmond

Sep '25 • General Discussions

Lightstream Loan

Does anyone have a breakdown on what your credit report has to look like to get a Lightstream loan?

I personally have a 789 Transunion FICO 8 with 3 primaries:

3k Quicksilver that is a year old

15k Venture X that is 3 months old

14k installment loan that is 5 years, 10 months old

Average age of accounts is 2 years, 4 months

The installment loan is paid down to $1,193. I don't carry a balance on the cards. I think right now it's reporting that I have a $421 balance on one card, but that's just because my payments report 5 days after my due date. My utilization is practically nothing.

i have 2 hard inquiries. First inquiry was for the Quicksilver opened a year ago and the second inquiry was for the Venture X opened 3 months ago, so my last inquiry is about 90 days old.

My payment history is excellent. I have no negatives on my report to speak of.

Anyone think I can run the 35k Lightstream loan play with this profile or do I need to build it out more?

14 comments

Lightstream Loan