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There are four different ways your credit score is calculated: Peer To Peer Lenders: Peer to peer lending networks, like Lending Club and Prosper, are experiencing tremendous growth. Many people choose to borrow money on these platforms as a way to skirt the traditional bank loan process. Instead, borrowers on peer to peer lending networks allow individuals to bid for their loans with varying interest rates they feel are fair for the risk in lending to the borrower. Most stock quote data provided by BATS. Market indices are shown in real time, except for the DJIA, which is delayed by two minutes. All times are ET. Disclaimer .