At least Bitlendingclub is transparent with respect to their archives! That makes it easily verifiable.
If you dig a bit in BTCjam's archives, you will notice it's a real horror. Really. They *never* ever reach a rate of 90%. Maybe this is the number of loans paid, inclusively small reputation funds, but the amounts lost during fraud (which are different to the *number* of loans) are immensely high. Believe me. Usually, what a scammer does is post 5 reputation loans and 1 real loan (= 83% success rate according to BTCjam). That's the explanation of their numbers.
Edit: technically, it's possible to crawl BTCjam loans and compile the "real" statistics from it. If anyone interested, I'm in.
yeah right , another self proclaimed, not independent source 
If you dig a bit in BTCjam's archives, you will notice it's a real horror. Really. They *never* ever reach a rate of 90%. Maybe this is the number of loans paid, inclusively small reputation funds, but the amounts lost during fraud (which are different to the *number* of loans) are immensely high. Believe me. Usually, what a scammer does is post 5 reputation loans and 1 real loan (= 83% success rate according to BTCjam). That's the explanation of their numbers.
Edit: technically, it's possible to crawl BTCjam loans and compile the "real" statistics from it. If anyone interested, I'm in.
and who are you ? activity 1, and this is your first post ? hey, creating double account at one site is prohibited.
lol, very strange.