Hi there. The good folks at FiLife asked me to chime in since there's a credit score question in here somewhere. ;)

If P2P lenders report your personal loans to the credit bureaus then they will, in fact, have an impact to your credit scores. I know that Prosper checks your credit when you apply so the inquiry can also hurt.

Having said that, it's not a bad thing if they're reported. You want EVERYONE to know about your solid credit management practices.