My creditscore is D. I have verified everything except my bank account/credit card and my PayPal account, because the one I'm currently using is just two months old...
BTCJam is horrible on loaning. I wish I could see percent of defaults. If someone runs with the BTC the loaner is responsible to take legal action. Some can be in different countries, some just don't care, scammer, there are just a lot that WILL default.
I suggest OP going to a bank get a proper loan put down collateral. And I suggest others not loaning on BTCJam.