Speaking in midtown NYC, Lending Club CEO Renaud Laplanche revealed some of the alternative data sets that the online lender uses to evaluate credit. If you use caps lock, fill out your application quickly and past 3AM, and have a Hotmail email you should expect to get some credit score dings.
That said, this checklist could change entirely before the year is up. Laplanche said "hundreds" of factors like the ones above go into determining applications — not just consumers' credit scores. "Every six months we build a new underwriting model," he said.