If someone were to decide they were going to file bankruptcy, they likely have already been missing mortgage, credit card, auto loan or other payments. Missing payments hammers your FICO (credit) score. Lending Club requires a minimum 660 FICO, which you&#x27;re not going to be able to hold on to very long if you&#x27;re missing payments. I am sure there are people who do this, but I doubt it is rampant.