Listing Report:Supplement No. 47 dated Feb 06, 2011 to Prospectus dated Jan 12, 2011
File pursuant to Rule 424(b)(3)
Registration Statement No. 333-147019
Prosper Marketplace, Inc.
Borrower Payment Dependent Notes
This Listing Report supplements the prospectus dated Jan 12, 2011 and provides information about each loan request (referred to as a "listing") and series of Borrower Payment Dependent Notes (the "Notes") we are currently offering. Prospective investors should read this Listing Report supplement together with the prospectus dated Jan 12, 2011 to understand the terms and conditions of the Notes and how they are offered, as well as the risks of investing in Notes.
The following series of Notes are currently being offered:
Borrower Payment Dependent Notes Series 491790
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,500.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $5,250 Estimated loss*: 9.80%  
Term: 36 months  
 
Lender yield: 23.99% Borrower rate/APR: 24.99% / 28.49% Monthly payment: $298.16
 
Lender servicing fee: 1.00% Effective Yield*: 23.40%  
Estimated return*: 13.60%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Jul-1992 Debt/Income ratio: Self-employed (DTI Not Calculated)
Credit score: 740-759 (Jan-2011) Inquiries last 6m: 0Employment status:Self-employed
Now delinquent: 1 Current / open credit lines: 3 / 3Length of status:3y 10m
Amount delinquent: $181 Total credit lines: 16 Occupation: Other
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $4,745Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 43%  
   Homeownership: No  
Screen name: candywoman Borrower's state: Kentucky Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 32 ( 100% ) 740-759 (Latest)
Principal borrowed: $2,200.00< 31 days late: 0 ( 0% )  
720-739 (Apr-2008)
 
Principal balance: $308.02 31+ days late: 0 ( 0% )
Total payments billed: 32  
Description
Moving Up
Purpose of loan:
This loan will be used to pay off balance of my first Prosper?loan and two other loans which will lower my monthly obligations. The remainder of the money will enable me to move my business to an ideal, high traffic location that has the extra room I need that will allow me to double my sales and income, the new lolcation also has living quarters whereas I won't have the cost of housing.?

My financial situation:
I am a good candidate for this loan because? I have increased my income and credit score every year for the last four to it's current level of 730+, all 15 past accounts state "never late" as I make it a priority to pay my bills on time or early. I have already doubled my product selection and adding more choices every month, every recipe is my own and my regular customers return like clockwork to see whats's new, "word of mouth will make you or break you" and for me it has been MAKE, my customers bring me more customers. The 1 delinquet account of $181 is in dispute as I have been paying on it and will pay it off with this money, the new location will really increase my income by at least 2x and I have the option of lease to own with owner financing which will enable me to have my own property/building. As a back-up in case of the unforseen happening I have two paid off vehicles, one of which I would sell to pay off the remainder of this loan. I am on track to be debt free within 18 months other than this loan, along the way I have plans to expand my marketing, product line and website.
Monthly net income: $3,334.00

Monthly expenses: $ 1,477.00
??Housing: $350.00
??Insurance $105.00
? Car expenses $80.00
? Utilities $165.00?
??Phone, cable, internet: $95.00
??Food, entertainment: $ 200.00
??Clothing, household expenses $
??Credit cards and other loans: $ 482.00
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 492052
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $4,900 Estimated loss*: 3.50%  
Term: 36 months  
 
Lender yield: 8.55% Borrower rate/APR: 9.55% / 11.65% Monthly payment: $224.39
 
Lender servicing fee: 1.00% Effective Yield*: 8.53%  
Estimated return*: 5.03%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Aug-1992 Debt/Income ratio: 9%
Credit score: 780-799 (Jan-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 14 / 13Length of status:5y 7m
Amount delinquent: $0 Total credit lines: 41 Occupation: Principal
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $18,180Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 55%  
   Homeownership: Yes  
Screen name: a-silver-sphinx Borrower's state: Wisconsin Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
bathroom in basement
Purpose of loan:
This loan will be used to?
We finished our basement 3 yrs. ago.? We now decided that we would like to add a bathroom to increase the value of our house.

My financial situation:
Is very good.? Between my wife & I we have a combined income of 6000 a month.?? We always pay our bills on time and have never been late.?
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 492814
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,000.00 Prosper Rating: AA Listing Duration: 14 days
Minimum Amount to Fund: $5,000 Estimated loss*: 1.55%  
Term: 36 months  
 
Lender yield: 5.55% Borrower rate/APR: 6.55% / 6.89% Monthly payment: $153.36
 
Lender servicing fee: 1.00% Effective Yield*: 5.55%  
Estimated return*: 4.00%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Dec-1993 Debt/Income ratio: 12%
Credit score: 840-859 (Feb-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 10Length of status:17y 3m
Amount delinquent: $0 Total credit lines: 21 Occupation: Postal Service
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $3,362Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 4%  
   Homeownership: Yes  
Screen name: mw47sw Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Home Repair/Debt Consolidation
Purpose of loan:
This loan will be used to? help pay for home repair due to snow damage & also debt consolidation.

My financial situation:
I am a good candidate for this loan because? I am 56 years old... have had a steady job with the same government organization for over 17 years... I own a home & am reliable ....Have a good credit rating because I always pay off my debts on time.

Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 492844
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $7,000 Estimated loss*: 10.80%  
Term: 36 months  
 
Lender yield: 25.99% Borrower rate/APR: 26.99% / 30.53% Monthly payment: $285.74
 
Lender servicing fee: 1.00% Effective Yield*: 25.34%  
Estimated return*: 14.54%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Mar-1999 Debt/Income ratio: 20%
Credit score: 720-739 (Feb-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 1 Current / open credit lines: 7 / 6Length of status:12y 5m
Amount delinquent: $0 Total credit lines: 20 Occupation: Military Enlisted
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,618Stated income:$50,000-$74,999
Delinquencies in last 7y: 3 Bankcard utilization: 79%  
   Homeownership: Yes  
Screen name: undaunted-asset4 Borrower's state: Virginia Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Loan
Purpose of loan:
This loan will be used to?Pay down debt and home improvements
I am a good candidate for this loan because?I have a stable job, and work very hard in being responsible for my credit to make up mistakes I have made in the past with my credit.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 492942
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 5.95%  
Term: 36 months  
 
Lender yield: 13.49% Borrower rate/APR: 14.49% / 16.65% Monthly payment: $516.24
 
Lender servicing fee: 1.00% Effective Yield*: 13.26%  
Estimated return*: 7.31%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 10 First credit line: Jan-2004 Debt/Income ratio: 7%
Credit score: 700-719 (Feb-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 7 / 4Length of status:3y 6m
Amount delinquent: $0 Total credit lines: 9 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $14,150Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 46%  
   Homeownership: No  
Screen name: paulkariya Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Great credit, please help
Purpose of loan:
This loan will be used to consolidate credit card debt.

My financial situation:
I am a good candidate for this loan because I am safely employed and do not have any dependents. I have a great credit rating but simply need to consolidate my credit card debt to get a little breathing room.

Monthly net income: $2,000

Monthly expenses: $2,500
??Housing: $1,700
??Insurance: $0
??Car expenses: $0
??Utilities: $50
??Phone, cable, internet: $50
??Food, entertainment: $200
??Clothing, household expenses $0
??Credit cards and other loans: $500
??Other expenses: $0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 492960
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 4.95%  
Term: 36 months  
 
Lender yield: 11.99% Borrower rate/APR: 12.99% / 15.13% Monthly payment: $168.45
 
Lender servicing fee: 1.00% Effective Yield*: 11.79%  
Estimated return*: 6.84%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Jun-1988 Debt/Income ratio: 9%
Credit score: 740-759 (Jan-2011) Inquiries last 6m: 5Employment status:Employed
Now delinquent: 0 Current / open credit lines: 20 / 19Length of status:9y 6m
Amount delinquent: $0 Total credit lines: 82 Occupation: Teacher
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $3,213Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 6%  
   Homeownership: Yes  
Screen name: karel_97005 Borrower's state: Oregon Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 6 On-time: 14 ( 82% ) 740-759 (Latest)
Principal borrowed: $19,600.00< 31 days late: 1 ( 6% )  
760-779 (Dec-2010)
760-779 (May-2010)
700-719 (Oct-2009)
720-739 (Jul-2009)
 
Principal balance: $0.02 31+ days late: 2 ( 12% )
Total payments billed: 17  
Description
Debet consolidation
Purpose of loan:
This loan will be used to pay off a credit card.
My financial situation is strong because of income
I am a good candidate for this loan because i have been responsible with previous prosper loans.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 493040
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,500.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $5,250 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $326.62
 
Lender servicing fee: 1.00% Effective Yield*: 29.57%  
Estimated return*: 14.87%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Sep-1988 Debt/Income ratio: 29%
Credit score: 680-699 (Feb-2011) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 23 / 20Length of status:2y 8m
Amount delinquent: $0 Total credit lines: 38 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $22,766Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 61%  
   Homeownership: Yes  
Screen name: top-delectable-bid Borrower's state: California Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
fix roof
Purpose of loan:
This loan will be used to? roof repair and double pane windows

My financial situation:
I am a good candidate for this loan because? I have never faulted on a loan of ANY kind in my life.

Monthly net income: $ 6500

Monthly expenses: $ 4500
??Housing: $ 2447.00

??Car expenses: $ 1000
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 1000
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 493058
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $2,000 Estimated loss*: 10.80%  
Term: 36 months  
 
Lender yield: 25.99% Borrower rate/APR: 26.99% / 30.53% Monthly payment: $81.64
 
Lender servicing fee: 1.00% Effective Yield*: 25.34%  
Estimated return*: 14.54%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Feb-2008 Debt/Income ratio: 4%
Credit score: 640-659 (Feb-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 2 / 2Length of status:5y 5m
Amount delinquent: $0 Total credit lines: 4 Occupation: Sales - Retail
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 0%  
   Homeownership: No  
Screen name: bunnny Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Help to renovate my bath leak
Purpose of loan:
This loan will be used to renovate my bath, part of the kitchen and some other small items around my home

My financial situation:
I am a good candidate for this loan because I have stable job respectively income.

Monthly net income: $2800.00

Monthly expenses: $700
??Housing: $
??Insurance: $N/A
??Car expenses: $N/A
??Utilities: $50
??Phone, cable, internet: $250
??Food, entertainment: $250
??Clothing, household expenses $100
??Credit cards and other loans: $N/A
??Other expenses: $100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 492581
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $4,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $4,000 Estimated loss*: 10.80%  
Term: 36 months  
 
Lender yield: 25.99% Borrower rate/APR: 26.99% / 30.53% Monthly payment: $163.28
 
Lender servicing fee: 1.00% Effective Yield*: 25.34%  
Estimated return*: 14.54%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Oct-1996 Debt/Income ratio: 13%
Credit score: 640-659 (Feb-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 20 / 19Length of status:5y 5m
Amount delinquent: $0 Total credit lines: 38 Occupation: Teacher
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $15,336Stated income:$75,000-$99,999
Delinquencies in last 7y: 0 Bankcard utilization: 88%  
   Homeownership: No  
Screen name: first-purposeful-gain Borrower's state: NewYork Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Debit Consolidation Loan
Purpose of loan:
This loan will be used to help consolidate some of my credit card debit in order to get on track and plan for my future.

My financial situation:
I am a good candidate for this loan because although I have a lot of debt and a bumpy history, I have a secure job and am able to pay my bills every month. I would like this loan in order to pay them off quicker and allow me to work on paying off other debt at the same time. As of now I keep paying but with such high rates and a number of companies to pay to I cannot make progress, all bills are being paid but I would like to do this in a more effective way.

Monthly net income: $ 4200

Monthly expenses: $
??Housing: $1150
??Insurance: $ 200
??Car expenses: $ 100
??Utilities: $ 325
??Phone, cable, internet: $ 200
??Food, entertainment: $ 350
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 1500
??Other expenses: $100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 492829
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $9,000.00 Prosper Rating: A Listing Duration: 14 days
Minimum Amount to Fund: $9,000 Estimated loss*: 3.50%  
Term: 36 months  
 
Lender yield: 8.55% Borrower rate/APR: 9.55% / 11.65% Monthly payment: $288.51
 
Lender servicing fee: 1.00% Effective Yield*: 8.53%  
Estimated return*: 5.03%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 9 First credit line: Aug-1992 Debt/Income ratio: 12%
Credit score: 780-799 (Feb-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 4 / 4Length of status:10y 1m
Amount delinquent: $0 Total credit lines: 10 Occupation: Analyst
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $8,010Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 45%  
   Homeownership: Yes  
Screen name: wmdswf Borrower's state: Maryland Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Taking Control of My Debt
Purpose of loan:
This loan will enable me to take control of my debt, pay it off, and live a life without the stress and burden of monthly credit card payments.? I would love to become a certified sign language interpreter and paying off my debt will help me to be able to take the next step towards progressing in that direction without the monthly payments hanging over me.

My financial situation:
I am a good candidate for this loan because I work hard and always pay my bills each month.? I take my job seriously and truly respect and appreciate the decision others may make in taking a chance on me.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 492853
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $2,500.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $2,500 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $108.87
 
Lender servicing fee: 1.00% Effective Yield*: 29.57%  
Estimated return*: 14.87%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Nov-1987 Debt/Income ratio: 33%
Credit score: 700-719 (Feb-2011) Inquiries last 6m: 3Employment status:Other
Now delinquent: 0 Current / open credit lines: 7 / 6Length of status:3y 1m
Amount delinquent: $0 Total credit lines: 30 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $4,710Stated income:$25,000-$49,999
Delinquencies in last 7y: 0 Bankcard utilization: 48%  
   Homeownership: No  
Screen name: deal-habanero1 Borrower's state: NorthCarolina Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Sheun4Me
Purpose of loan:
This loan will be used to? get my Fiance home? so that we can get married?

My financial situation:
I am a good candidate for this loan because i will be receiving an inheritence and will pay off this loan immediately?

Monthly net income: $ 3800

Monthly expenses: $ 2500
??Housing: $ 700????
??Insurance:175
??Car expenses: $ 310
??Utilities: $ 325
??Phone, cable, internet: $ 153
??Food, entertainment: $ 250
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 175
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 492865
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,500.00 Prosper Rating: E Listing Duration: 14 days
Minimum Amount to Fund: $5,250 Estimated loss*: 14.70%  
Term: 36 months  
 
Lender yield: 30.99% Borrower rate/APR: 31.99% / 35.64% Monthly payment: $326.62
 
Lender servicing fee: 1.00% Effective Yield*: 29.57%  
Estimated return*: 14.87%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Jun-1999 Debt/Income ratio: 47%
Credit score: 720-739 (Feb-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 9 / 9Length of status:10y 5m
Amount delinquent: $0 Total credit lines: 15 Occupation: Laborer
Public records last 12m / 10y: 0/ 1 Revolving credit balance: $9,905Stated income:$25,000-$49,999
Delinquencies in last 7y: 4 Bankcard utilization: 92%  
   Homeownership: Yes  
Screen name: SINGLEDAD314 Borrower's state: Missouri Borrower's group: BORROWERS - LARGEST GROUP
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 32 ( 91% ) 720-739 (Latest)
Principal borrowed: $6,000.00< 31 days late: 3 ( 9% )  
640-659 (Sep-2007)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 35  
Description
2nd loan--1st paid in full!
Purpose of loan:

This loan will be used to allow me to pay off my credits cards on a 3 year payment plan instead of the 10 years it would take me if i was to continue making the minimum payments. This is my 2nd Prosper loan and I have already proven my ability to pay my loan in full by carrying my first loan to full term. I have a credit score in the 700's which also backs up my ability to pay my bills on time. My first loan was intended for this exact purpose but I ended up incurring some unexpected legal fees in the process of obtaining custody of my daughter. All new investors will receive the same RESPECT as the last and have comfort in getting the return promised on this loan. Thank you in advance!?

My financial situation:
I am a good candidate for this loan because? I have already proven my ability to pay off a Prosper?loan by completing the first in full.

Monthly net income: $ 2568.00

Monthly expenses: $
??Housing: $ 250--fiance pays the other half
??Insurance: $ 100
??Car expenses: $ 300
??Utilities: $ 160
??Phone, cable, internet: $ 60
??Food, entertainment: $ 150
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 350
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 492933
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,500.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $5,250 Estimated loss*: 10.80%  
Term: 36 months  
 
Lender yield: 25.99% Borrower rate/APR: 26.99% / 30.53% Monthly payment: $306.15
 
Lender servicing fee: 1.00% Effective Yield*: 25.34%  
Estimated return*: 14.54%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: Apr-1998 Debt/Income ratio: 16%
Credit score: 740-759 (Feb-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 2 Current / open credit lines: 3 / 3Length of status:8y 11m
Amount delinquent: $5,500 Total credit lines: 11 Occupation: Professional
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $0Stated income:$50,000-$74,999
Delinquencies in last 7y: 1 Bankcard utilization: 0%  
   Homeownership: Yes  
Screen name: witty-worth6 Borrower's state: Tennessee Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
PAYING OFF DEBT
Purpose of loan:
This loan will be used to? pay down my current debt and any funds?remaining will?be used to pay ahead on my auto loan.?

My financial situation:
I am a good candidate for this loan because?I have consistent income and established long term employment with current job.? I am diligent and eager to consolidate my current debt to one payment amound with less interest.

Monthly net income: $?4583.00

Monthly expenses: $
??Housing: $ 1265????
??Insurance: $?82????
??Car expenses: $?428????
??Utilities: $?325????
??Phone, cable, internet: $?109
??Food, entertainment: $?400
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 250
??Other expenses: $ 100
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 492945
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $5,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $3,500 Estimated loss*: 10.80%  
Term: 36 months  
 
Lender yield: 25.99% Borrower rate/APR: 26.99% / 30.53% Monthly payment: $204.10
 
Lender servicing fee: 1.00% Effective Yield*: 25.34%  
Estimated return*: 14.54%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 7 First credit line: Mar-2002 Debt/Income ratio: 21%
Credit score: 700-719 (Feb-2011) Inquiries last 6m: 1Employment status:Employed
Now delinquent: 0 Current / open credit lines: 13 / 13Length of status:9y 0m
Amount delinquent: $0 Total credit lines: 30 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $11,426Stated income:$50,000-$74,999
Delinquencies in last 7y: 0 Bankcard utilization: 56%  
   Homeownership: No  
Screen name: hope-treaty Borrower's state: Ohio Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
loan
Purpose of loan:
This loan will be used to? pay off some bills and pay for surgery

My financial situation:
I am a good candidate for this loan because? i am very responseable and have never not paid a bill and always pay on time and i have the income to pay back the loan

Monthly net income: $ 4,000.00

Monthly expenses: $
??Housing: $ 640
??Insurance: $ 115
??Car expenses: $
??Utilities: $ 100
??Phone, cable, internet: $ 100
??Food, entertainment: $ 250
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 200
??Other expenses: $ 50
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 493001
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $3,000.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $2,100 Estimated loss*: 10.80%  
Term: 36 months  
 
Lender yield: 25.99% Borrower rate/APR: 26.99% / 30.53% Monthly payment: $122.46
 
Lender servicing fee: 1.00% Effective Yield*: 25.34%  
Estimated return*: 14.54%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 6 First credit line: Aug-2003 Debt/Income ratio: Not calculated
Credit score: 680-699 (Feb-2011) Inquiries last 6m: 0Employment status:Not employed
Now delinquent: 0 Current / open credit lines: 5 / 4Length of status:0y 2m
Amount delinquent: $0 Total credit lines: 21Stated income:Not employed
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $5,285 
Delinquencies in last 7y: 0 Bankcard utilization: 85%  
   Homeownership: No  
Screen name: precious-transparency018 Borrower's state: Pennsylvania Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
Repaying college debt
Purpose of loan:
This loan will be used to? To pay off college debt (I will be graduating from Temple University with a BS) and this will also assist me in the transformation from student to career professional.

My financial situation:
I am a good candidate for this loan because? I am in the process of lowering my monthly expenses in order to pay off my student debt, I have a good monthly income, and I pay my bills on time

Monthly net income: $

Monthly expenses: $
??Housing: $ 665 ????
??Insurance: $ 0
??Car expenses: $ 0
??Utilities: $ 0
??Phone, cable, internet: $ 100
??Food, entertainment: $ 75
??Clothing, household expenses $
??Credit cards and other loans: $ 150, I pay above the minimum payment of $47.
??Other expenses: $ 0
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 493013
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,500.00 Prosper Rating: C Listing Duration: 14 days
Minimum Amount to Fund: $5,250 Estimated loss*: 8.70%  
Term: 36 months  
 
Lender yield: 18.99% Borrower rate/APR: 19.99% / 23.38% Monthly payment: $278.69
 
Lender servicing fee: 1.00% Effective Yield*: 18.55%  
Estimated return*: 9.85%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Aug-1981 Debt/Income ratio: 22%
Credit score: 660-679 (Feb-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 20 / 20Length of status:14y 4m
Amount delinquent: $0 Total credit lines: 30 Occupation: Executive
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $41,253Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 69%  
   Homeownership: Yes  
Screen name: red-principal-jaunt Borrower's state: Texas Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Description
TXEXEC
Purpose of loan:
This loan will be used to consolidate smaller loans and credit cards.

My financial situation:
I am a good candidate for this loan because I have long?term employment, homeowner, no delinquent credit and good income.?

Monthly net income: $ 7150

Monthly expenses: $
??Housing: $ 1949
??Insurance: $ 104
??Car expenses: $ 1000
??Utilities: $?150
??Phone, cable, internet: $ 135
??Food, entertainment: $ 800
??Clothing, household expenses $
??Credit cards and other loans: $ 825
??Other expenses: $
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 493031
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $7,500.00 Prosper Rating: D Listing Duration: 14 days
Minimum Amount to Fund: $7,500 Estimated loss*: 9.80%  
Term: 36 months  
 
Lender yield: 23.99% Borrower rate/APR: 24.99% / 28.49% Monthly payment: $298.16
 
Lender servicing fee: 1.00% Effective Yield*: 23.40%  
Estimated return*: 13.60%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 5 First credit line: May-2007 Debt/Income ratio: Not calculated
Credit score: 720-739 (Feb-2011) Inquiries last 6m: 3Employment status:Employed
Now delinquent: 0 Current / open credit lines: 10 / 10Length of status:3y 9m
Amount delinquent: $0 Total credit lines: 12 Occupation: Other
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $896Stated income:$0
Delinquencies in last 7y: 0 Bankcard utilization: 10%  
   Homeownership: No  
Screen name: ptnglobal Borrower's state: Washington Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 0 / 1 On-time: 23 ( 96% ) 720-739 (Latest)
Principal borrowed: $1,000.00< 31 days late: 1 ( 4% )  
600-619 (Apr-2010)
620-639 (Feb-2008)
 
Principal balance: $0.00 31+ days late: 0 ( 0% )
Total payments billed: 24  
Description
REDUCING MY MONTHLY PAYMENT
I am seeking this loan to reduce my monthly payment on a private note, which is currently $633.33 per month. Additionally, I want to pay off my existing credit card debt which is currently about $550. I plan to use the extra money every month to reinvest in my side business.

I have never missed a payment on my debts. The above payment history is incorrect for my last prosper loan. I have inquired with them to fix it, but to no avail. They claim I was late one month, when in fact I had paid for two months in advance the previous month and they accounted for this improperly.
Information in the Description is not verified.
 
Borrower Payment Dependent Notes Series 493067
The following information pertains to the borrower loan being requested, that corresponds to the series of Notes to be issued upon the funding of the borrower loan, in the event the listing receives commitments to purchase Notes in an amount that equals or exceeds the minimum amount required for the loan to fund.
Amount: $15,000.00 Prosper Rating: B Listing Duration: 14 days
Minimum Amount to Fund: $10,500 Estimated loss*: 4.95%  
Term: 36 months  
 
Lender yield: 11.99% Borrower rate/APR: 12.99% / 15.13% Monthly payment: $505.34
 
Lender servicing fee: 1.00% Effective Yield*: 11.79%  
Estimated return*: 6.84%  
* Estimated loss is the estimated principal loss on charge-offs. Effective yield is equal to the borrower interest rate: (i) minus the servicing fee rate, (ii) minus estimated uncollected interest on charge-offs, (iii) plus estimated collected late fees. Effective yield, Estimated loss and Estimated return are intended to represent the estimated average effective yield, loss and return, respectively, on a basket of loans with the same characteristics as this listing. All estimates are based on the historical performance of Prosper loans for borrowers with similar characteristics. The calculations of Effective yield, Estimated loss and Estimated return require significant assumptions about the repayment of loans, and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
Prosper score (1-10): 8 First credit line: Mar-1979 Debt/Income ratio: 34%
Credit score: 820-839 (Feb-2011) Inquiries last 6m: 0Employment status:Employed
Now delinquent: 0 Current / open credit lines: 25 / 24Length of status:33y 1m
Amount delinquent: $0 Total credit lines: 69 Occupation: Accountant/CPA
Public records last 12m / 10y: 0/ 0 Revolving credit balance: $21,297Stated income:$100,000+
Delinquencies in last 7y: 0 Bankcard utilization: 15%  
   Homeownership: Yes  
Screen name: social-equinox Borrower's state: Connecticut Borrower's group: N/A
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified. Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
Loan historyPayment historyCredit score history
Active / total loans: 1 / 1 On-time: 7 ( 100% ) 820-839 (Latest)
Principal borrowed: $10,000.00< 31 days late: 0 ( 0% )  
840-859 (Jun-2010)
 
Principal balance: $8,269.36 31+ days late: 0 ( 0% )
Total payments billed: 7  
Description
My loan for debt consolidation
Purpose of loan:
This loan will be used to eliminate certain of my children's student loan debts?

My financial situation:
I am a good candidate for this loan because I am NEVER late in paying my bills and have extremely stable employment?

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
Information in the Description is not verified.