What are the minimum credit requirements to receive a loan?

Borrowers on TCF Bank must have a minimum FICO or Vantage score of 660 as reported by a consumer reporting agency. Note, we do accept applicants with insufficient credit history to produce a FICO score.

Borrowers must also meet the following criteria:

  • No bankruptcies on any of their consumer reports within the last 3 years;

  • No public records on any of their consumer reports within the last 3 years, unless the public records consist only of paid civil judgments or paid tax liens.

  • No accounts currently delinquent;

  • No accounts with currently past due amounts; 

  • No accounts that have moved to collections or been partially or wholly charged-off within the last 3 years unless such account (i) is at least 1 years old, (ii) has an industry type government, utilities, cellular, or medical accounts, and (iii) if  charged-off, has an unpaid balance under $1,000; and

  • Fewer than 6 inquiries on each credit report in the last 6 months, not including any inquiries related to a student loan, vehicle loan or mortgage.

In addition, there cannot be any material adverse change in your credit report from the time the loan was offered to you and your funding.  For more information about material adverse changes, please see here. 


Please note: the credit score TCF Bank receives may be different from the one reported by your credit monitoring services in the event that a credit monitoring service is reporting a score from a different bureau or different scoring method.

If you believe there are errors on your credit report, please contact TransUnion.

Name: TransUnion


Address: P.O. Box 2000, Chester, PA. 19022


Telephone number: 1-800-916-8800

The information above relates to borrowers publishing on our platform on or after April 23, 2014.

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