If you want to get funded at btcjam, i would suggest working on your profile...
Personally, i only look at A+, A and A- profiles... If i know they guy/girl from the forum or real life, i might consider B+, but i would never fund a loan from somebody with a C-profile...
I know it's hard and they ask a lot of private stuff, but it does make a difference what kind of account you have i'm afraid.
They are very thorough with asking for information and in fact a rep from btcjam called me on the phone prior to my very first loan being published which I thought was great. Great for the lender because it's additional diligence and great for me because I have submitted every last detail of my private life to the site so it was reassuring to speak to someone on the phone.
Actually my loan was funded about 50% as soon as it was published I guess because of lender's "autoinvest" settings.
Perhaps I should split the loan in two - relist with a smaller amount to increase the chance of it funding before the BPI moves too much and once I have paid it back I guess it contributes to my rating for the second loan?