[abfunders]

Requirements
~650+ FICO
5 or less recent inquiries
35% utilization or less across all cards

680 or above, but it's just a metric.

In my experience, the difference between a 680 and a 700 is generally inquiries and high credit utilization, so generally best to focus on the 700+, although the ones with the inquiries will qualify for the personal loans if they have provable income. The biggest problem is that nobody likes showing income on their personal taxes.