Listing Report:Supplement No. 28 dated May 01, 2011 to Prospectus dated Apr 14, 2011File 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 Apr 14, 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 Apr 14, 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
490833
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:
| $10,000.00 |
Prosper Rating:
| C |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $7,000 |
Estimated loss*:
| 6.10% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 15.99% |
Borrower rate/APR:
| 16.99% / 20.32% |
Monthly payment:
| $356.48 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 15.63% | | |
| |
Estimated return*:
| 9.53% | | |
* 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:
| 39% |
Credit score:
| 700-719 (Apr-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 16
/
14 | Length of status: | 3y 10m |
Amount delinquent:
| $0 |
Total credit lines:
| 18 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,106 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 35% | | |
| |
Homeownership:
| No | | |
Screen name:
| dcstaff1200 |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 17 ( 100% )
| 700-719 (Latest)
|
Principal borrowed:
| $7,500.00 | < 31 days late:
| 0
( 0% )
| 640-659
(Oct-2009)
620-639
(May-2008)
600-619
(Mar-2008)
520-539
(Dec-2007)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 17 | | |
Description
Debt consolidation
Purpose of loan: Improve Financial Situation
This loan will be used to consolidate debt I have on a few credit cards.
-Visa: $1900 (21%)
-Midwest Mastercard: $4300 (23%)
-ODK Mastercard: $3000 (24%)
I am a good candidate for this loan because I have a steady income and have a history of on time payments. I paid off my last prosper loan early.
Please note, I put money into savings (instead of applying all of it to debt) in order to avoid having to use credit cards in the case of unexpected expenses.
Monthly net income: $2240
Monthly expenses:
Housing: $300
Insurance: $65
Car expenses: $150
Utilities: $150
Phone, cable, internet: $ 120
Food, entertainment: $ 120
Clothing, household expenses: $ 200
Credit cards and other loans: $ 800 (minimum payments only add up to around $300)
Savings: $300
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
504639
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:
| HR |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $2,800 |
Estimated loss*:
| 20.30% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 30.99% |
Borrower rate/APR:
| 31.99% / 35.64% |
Monthly payment:
| $174.20 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 29.17% | | |
| |
Estimated return*:
| 8.87% | | |
* 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):
| 1 |
First credit line:
| May-2008 |
Debt/Income ratio:
| Not calculated |
Credit score:
| 640-659 (Apr-2011) |
Inquiries last 6m:
| 5 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
4 | Length of status: | 5y 3m |
Amount delinquent:
| $0 |
Total credit lines:
| 6 |
Occupation: | Sales - Commission |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,166 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 40% | | |
| |
Homeownership:
| No | | |
Screen name:
| durability-motion |
Borrower's state:
| Florida |
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
My way to a stable financial path
Purpose of loan:
This loan will be used for debt consolidation. I will be paying several cards with low balances.
My financial situation:
I am a good candidate for this loan because I have never been late on a payment and am very responsible.
Monthly net income: $4,000
Monthly expenses: $
Housing: $1180
Insurance: $180
Car expenses: $160 Car paid off. Just adding gas expense.
Utilities: $150
Phone, cable, internet: $100
Food, entertainment: $120
Clothing, household expenses: $Not a monthly expense.
Credit cards and other loans: $400
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
504675
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:
| 12 months | | | | |
|
Lender yield:
| 25.69% |
Borrower rate/APR:
| 26.69% / 35.84% |
Monthly payment:
| $239.67 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 24.52% | | |
| |
Estimated return*:
| 9.82% | | |
* 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):
| 4 |
First credit line:
| Oct-1993 |
Debt/Income ratio:
| 19% |
Credit score:
| 660-679 (Apr-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 1
/
1 | Length of status: | 0y 3m |
Amount delinquent:
| $2,281 |
Total credit lines:
| 13 |
Occupation: | Analyst |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $0 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 8 |
Bankcard utilization:
| 0% | | |
| |
Homeownership:
| No | | |
Screen name:
| balance-virtuoso8 |
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
Personal Debt Consolidation
Purpose of loan: To repay monies loaned by family members.
This loan will be used to... Repay parents, brother(s)
My financial situation: Able to pay all my bills on time with a small cushion remaining each month. Stable and improving monthly; I've lived in the same location the last 7 years, I own my automobile.
I am a good candidate for this loan because: My full time job is stable. I am working a second job as a waiter to repay my debt to them. This loan would also assist me repaying them sooner in establishing a stronger credit score and give me a sense of hope.
Monthly net income: $1,436.00 + 700.00 = $2,136.00
Monthly expenses: $944.00, $118.00, $47.00, $250, $75.00, 75.00 = $1,359.00
Housing: $944.00
Insurance: $118.00
Car expenses: $125.00
Utilities: $0.00
Phone, cable, internet: $47.00
Food, entertainment: $125.00
Clothing, household expenses: $75.00
Credit cards and other loans: $0.00
Other expenses: $75.00
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
504737
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:
| $6,500.00 |
Prosper Rating:
| E |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $4,550 |
Estimated loss*:
| 13.00% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 27.99% |
Borrower rate/APR:
| 28.99% / 32.58% |
Monthly payment:
| $272.35 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 26.71% | | |
| |
Estimated return*:
| 13.71% | | |
* 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):
| 2 |
First credit line:
| Sep-1992 |
Debt/Income ratio:
| 18% |
Credit score:
| 640-659 (Apr-2011) |
Inquiries last 6m:
| 8 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 5
/
5 | Length of status: | 6y 3m |
Amount delinquent:
| $0 |
Total credit lines:
| 14 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $1,285 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 37% | | |
| |
Homeownership:
| No | | |
Screen name:
| RobbieB73 |
Borrower's state:
| Virginia |
Borrower's group:
| Christian Opportunities |
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 history | Payment history | Credit score history |
Active / total loans:
| 1 / 1 |
On-time:
| 12 ( 100% )
| 640-659 (Latest)
|
Principal borrowed:
| $2,500.00 | < 31 days late:
| 0
( 0% )
| 740-759
(Apr-2010)
560-579
(Jul-2006)
560-579
(May-2006)
560-579
(May-2006)
|
Principal balance:
| $1,842.18 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 12 | | |
Description
Business is picking up for 73CM.com
Purpose of loan:
This loan will be used to...expand our equipment and offer more services
My financial situation:
I am a good candidate for this loan because...I have been prompt on all payments for all debts incurred. This loan is strictly for my home-based business to continue it's expansion
Monthly net income: $2400
Monthly expenses: $ 1850
Housing: $ 915
Insurance: $ 50
Car expenses: $ 100
Utilities: $ 120
Phone, cable, internet: $ 50
Food, entertainment: $ 150
Clothing, household expenses: $ 150
Credit cards and other loans: $ 150
Other expenses: $ 150
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
504743
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:
| $10,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $7,000 |
Estimated loss*:
| 5.95% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 16.99% |
Borrower rate/APR:
| 17.99% / 19.42% |
Monthly payment:
| $253.88 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 16.69% | | |
| |
Estimated return*:
| 10.74% | | |
* 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-1996 |
Debt/Income ratio:
| 14% |
Credit score:
| 740-759 (May-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
9 | Length of status: | 4y 11m |
Amount delinquent:
| $0 |
Total credit lines:
| 30 |
Occupation: | Executive |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $81,014 | Stated income: | $100,000+ |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 85% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| top-integrity-owner |
Borrower's state:
| Florida |
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
Expanding Wedding Business
Simple Weddings is an award winning photography and wedding planning company located in St Petersburg FL. You can learn more about us or contact us at www.simpleweddingsflorida.com.
We have outgrown our home office, and are seeking funding to outfit our new office and photography studio with furniture, computers, and studio lighting.
Our business had $203,000 in revenue and $54,000 in profit in 2010, which I can verify with a 1040 prepared by our accountant. The business carries almost no debt (only about $4,000 on a company credit card), which is one reason we have had trouble obtaining traditional financing.
The terms of this loan do not present a financial burden to our company, and would be a wise investment for any lender.
I also earn $75,000/yr in regular income from stable employment as an executive in a local county government, which I can verify with pay stubs and a 1040 prepared by our accountant.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
504749
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):
| 4 |
First credit line:
| Mar-2000 |
Debt/Income ratio:
| Not calculated |
Credit score:
| 660-679 (May-2011) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 3
/
3 | Length of status: | 0y 3m |
Amount delinquent:
| $0 |
Total credit lines:
| 27 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $0 | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 17 |
Bankcard utilization:
| 0% | | |
| |
Homeownership:
| No | | |
Screen name:
| direct-principal5 |
Borrower's state:
| Illinois |
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
bella
Purpose of loan:
This loan will be used to...
My financial situation:
I am a good candidate for this loan because...
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: $
bella mia hair salon is my business and place of work and i need a little help to keep it up.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
503016
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:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $10,500 |
Estimated loss*:
| 11.20% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 27.99% |
Borrower rate/APR:
| 28.99% / 31.42% |
Monthly payment:
| $476.04 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 27.29% | | |
| |
Estimated return*:
| 16.09% | | |
* 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-1996 |
Debt/Income ratio:
| 27% |
Credit score:
| 760-779 (Apr-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
8 | Length of status: | 11y 5m |
Amount delinquent:
| $0 |
Total credit lines:
| 35 |
Occupation: | Fireman |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $13,495 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 8 |
Bankcard utilization:
| 80% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| exchange-delight4 |
Borrower's state:
| RhodeIsland |
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
Debt consolidation
Purpose of loan: debt consolidation
This loan will be used to...pay off exisiting credit cards
My financial situation: is stable
I am a good candidate for this loan because...i am looking to pay off existing credit cards to have 1 monthly payment that i will be able to afford.
Monthly net income: $2600
Monthly expenses: $100
Housing: $0
Insurance: $330
Car expenses: $200 Utilities: $0
Phone, cable, internet: $110
Food, entertainment: $40
Clothing, household expenses: $0
Credit cards and other loans: $600
Other expenses: $600
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
504138
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:
| D |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $15,000 |
Estimated loss*:
| 11.20% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 27.99% |
Borrower rate/APR:
| 28.99% / 31.42% |
Monthly payment:
| $476.04 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 27.29% | | |
| |
Estimated return*:
| 16.09% | | |
* 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-1999 |
Debt/Income ratio:
| 10% |
Credit score:
| 660-679 (Apr-2011) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 7
/
6 | Length of status: | 3y 11m |
Amount delinquent:
| $247 |
Total credit lines:
| 14 |
Occupation: | Construction |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $10,149 | Stated income: | $75,000-$99,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 51% | | |
| |
Homeownership:
| No | | |
Screen name:
| SILVER_TRIUMPH14 |
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
PERSONAL LOAN
Purpose of loan: Wedding
This loan will be used to... Finalize wedding expenses.
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $7166.78
Monthly expenses: $0
Housing: $1510.00
Insurance: $0
Car expenses: $0
Utilities: $0
Phone, cable, internet: $155.00
Food, entertainment: $200.00
Clothing, household expenses: $55.00
Credit cards and other loans: $271.00
Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
504642
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:
| $7,500 |
Estimated loss*:
| 13.00% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 27.99% |
Borrower rate/APR:
| 28.99% / 32.58% |
Monthly payment:
| $314.25 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 26.71% | | |
| |
Estimated return*:
| 13.71% | | |
* 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):
| 1 |
First credit line:
| May-1997 |
Debt/Income ratio:
| 40% |
Credit score:
| 640-659 (Apr-2011) |
Inquiries last 6m:
| 8 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 17
/
17 | Length of status: | 5y 3m |
Amount delinquent:
| $0 |
Total credit lines:
| 32 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $13,733 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 52% | | |
| |
Homeownership:
| No | | |
Screen name:
| cash-arboretum |
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.
Prosper Activity
Loan history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 1 ( 100% )
| 640-659 (Latest)
|
Principal borrowed:
| $3,000.00 | < 31 days late:
| 0
( 0% )
| 680-699
(Feb-2011)
700-719
(May-2010)
700-719
(Apr-2010)
|
Principal balance:
| $0.01 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 1 | | |
Description
Consolidate payments
No description was provided by the borrower.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
504670
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):
| 2 |
First credit line:
| Sep-2001 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
Credit score:
| 780-799 (Apr-2011) |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 3
/
3 | Length of status: | 1y 8m |
Amount delinquent:
| $0 |
Total credit lines:
| 16 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $0 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 0% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| ingenious-diversification4 |
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
Small Business Loan
Purpose of loan:
This loan will be used to launch a marketing campaign and for additional working capital for my small business.
My financial situation:
I am a good candidate for this loan because I always pay my bills on-time and I have excellent credit.
Monthly net income: $4,750
Misc. Monthly expenses: $500
Housing: $620
Insurance: $400
Car expenses: $0
Utilities: $150
Phone, cable, internet: $150
Food, entertainment: $400
Clothing, household expenses: $100
Credit cards and other loans: $0
Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
504676
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:
| $10,000.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $7,000 |
Estimated loss*:
| 3.80% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 9.40% |
Borrower rate/APR:
| 10.40% / 12.51% |
Monthly payment:
| $324.55 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 9.37% | | |
| |
Estimated return*:
| 5.57% | | |
* 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:
| Aug-2005 |
Debt/Income ratio:
| 18% |
Credit score:
| 780-799 (Apr-2011) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
12 | Length of status: | 5y 10m |
Amount delinquent:
| $0 |
Total credit lines:
| 23 |
Occupation: | Accountant/CPA |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $658 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 3% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| goal-coin724 |
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.
Description
My loan for debt consolidation
Purpose of loan:
This loan will be used to...pay off debt, and start building equity.
My financial situation:
I am a good candidate for this loan because...I have a steady job, and know how to manage money being an accountant.
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
504694
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:
| B |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $4,000 |
Estimated loss*:
| 5.95% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 13.99% |
Borrower rate/APR:
| 14.99% / 17.16% |
Monthly payment:
| $138.64 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 13.75% | | |
| |
Estimated return*:
| 7.80% | | |
* 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-1996 |
Debt/Income ratio:
| 4% |
Credit score:
| 680-699 (Apr-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 2
/
1 | Length of status: | 3y 2m |
Amount delinquent:
| $0 |
Total credit lines:
| 22 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $0 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 0% | | |
| |
Homeownership:
| No | | |
Screen name:
| courageous-coin7 |
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.
Description
courageous-coin7
Purpose of loan:
This loan will be used to... To buy a used late model Susuki Burgman motorcycle
My financial situation:
I am a good candidate for this loan because...
I now have a good solid job with a good future outlook. If you look at my more recent credit record you will see that I pay all my bills on time!
Monthly net income: $4400.00
Monthly expenses: $ 2497.00 This is the total of all items listed below.
Housing: $ 855.00
Insurance: $170.00
Car expenses: $358.00
Utilities: $176.00
Phone, cable, internet: $139.00
Food, entertainment: $400.00
Clothing, household expenses: $200.00 occasionally{ not every month}
Credit cards and other loans: $20.00 month
Other expenses: $ 179.00 - Home energy loan
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
504704
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:
| C |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $3,500 |
Estimated loss*:
| 6.10% | | |
Term:
| 36 months | | | | |
|
Lender yield:
| 15.99% |
Borrower rate/APR:
| 16.99% / 20.32% |
Monthly payment:
| $178.24 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 15.63% | | |
| |
Estimated return*:
| 9.53% | | |
* 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:
| Dec-1975 |
Debt/Income ratio:
| 33% |
Credit score:
| 680-699 (Apr-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 1 |
Current / open credit lines:
| 11
/
11 | Length of status: | 27y 3m |
Amount delinquent:
| $182 |
Total credit lines:
| 29 |
Occupation: | Other |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,205 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 2 |
Bankcard utilization:
| 73% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| PLANEMAN |
Borrower's state:
| Georgia |
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 history | Payment history | Credit score history |
Active / total loans:
| 0 / 1 |
On-time:
| 31 ( 86% )
| 680-699 (Latest)
|
Principal borrowed:
| $5,000.00 | < 31 days late:
| 5
( 14% )
| 660-679
(Sep-2009)
640-659
(Jul-2009)
640-659
(Sep-2008)
640-659
(Jun-2007)
|
Principal balance:
| $0.01 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 36 | | |
Description
PLANE MAN
Purpose of loan:
This loan will be used to SOME UP-GRADES ON OUR HOME
My financial situation:
I am a good candidate for this loan because OF MY STEADY JOB HISTORY. I HAVE MADE EVERY EFFORT TO PAY MY PAYMENTS ON TIME. I HAVE SEVERAL BILLS THAT WILL BE PAID OFF SHORTLY THAT WILL FREE PAYMENT OPTIONS.
Monthly net income: $ 3200.00
Monthly expenses: $ 2100.00
Housing: $ 702.00
Insurance: $ 100.00
Car expenses: $ 820.00 (2 CARS)
Utilities: $ 150.00
Phone, cable, internet: $ 75.00
Food, entertainment: $ 325.00
Clothing, household expenses: $ 250.00
Credit cards and other loans: $ 450.00
Other expenses: $
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
504706
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):
| 7 |
First credit line:
| Nov-1994 |
Debt/Income ratio:
| 10% |
Credit score:
| 640-659 (Apr-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 2 |
Current / open credit lines:
| 2
/
2 | Length of status: | 19y 2m |
Amount delinquent:
| $70 |
Total credit lines:
| 8 |
Occupation: | Professional |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $187 | Stated income: | $25,000-$49,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 16% | | |
| |
Homeownership:
| No | | |
Screen name:
| agreement-griffin7 |
Borrower's state:
| NewHampshire |
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
twoivytwin
Purpose of loan:
This loan will be used to...pay taxes
My financial situation:
I am a good candidate for this loan because... I believe everyone deserves 2nd chances and with trying to get themselves on the right track. Just need help to get to this point.
Monthly net income: $2600 + 800 from roommate
Monthly expenses: $2338
Housing: $1350
Insurance: $50
Car expenses: $150
Utilities: $100
Phone, cable, internet: $158
Food, entertainment: $ 200, 75
Clothing, household expenses: $ 100
Credit cards and other loans: $ 50
Other expenses: $140
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
504718
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:
| $10,000.00 |
Prosper Rating:
| B |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $7,000 |
Estimated loss*:
| 5.95% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 16.99% |
Borrower rate/APR:
| 17.99% / 19.42% |
Monthly payment:
| $253.88 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 16.69% | | |
| |
Estimated return*:
| 10.74% | | |
* 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:
| Dec-1985 |
Debt/Income ratio:
| 73% |
Credit score:
| 740-759 (May-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
7 | Length of status: | 1y 0m |
Amount delinquent:
| $0 |
Total credit lines:
| 9 |
Occupation: | Food Service |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $11,074 | Stated income: | $1-$24,999 |
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 31% | | |
| |
Homeownership:
| No | | |
Screen name:
| peace-orchid |
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.
Description
prestonsburg
Purpose of loan:
This loan will be used to...pay off credit cards
My financial situation:
I am a good candidate for this loan because...i always pay my bills
Monthly net income: $1.000.00
Monthly expenses: $350.00
Housing: $0
Insurance: $husbands pays this
Car expenses: $husband pays this
Utilities: $husband pays this
Phone, cable, internet: $husband pays this
Food, entertainment: $husbands pays this
Clothing, household expenses: $
Credit cards and other loans: $350.00
Other expenses: $0
Information in the Description is not verified.
Borrower Payment Dependent Notes Series
504752
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:
| $7,800.00 |
Prosper Rating:
| A |
Listing Duration:
| 14 days
|
Minimum Amount to Fund:
| $5,460 |
Estimated loss*:
| 2.60% | | |
Term:
| 60 months | | | | |
|
Lender yield:
| 10.29% |
Borrower rate/APR:
| 11.29% / 12.63% |
Monthly payment:
| $170.72 |
|
Lender servicing fee:
| 1.00% |
Effective Yield*:
| 10.26% | | |
| |
Estimated return*:
| 7.66% | | |
* 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-1998 |
Debt/Income ratio:
| 22% |
Credit score:
| 740-759 (May-2011) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
12 | Length of status: | 9y 3m |
Amount delinquent:
| $0 |
Total credit lines:
| 22 |
Occupation: | Analyst |
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $11,479 | Stated income: | $50,000-$74,999 |
Delinquencies in last 7y:
| 11 |
Bankcard utilization:
| 70% | | |
| |
Homeownership:
| Yes | | |
Screen name:
| high_yield |
Borrower's state:
| Michigan |
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 history | Payment history | Credit score history |
Active / total loans:
| 0 / 2 |
On-time:
| 65 ( 98% )
| 740-759 (Latest)
|
Principal borrowed:
| $11,089.00 | < 31 days late:
| 1
( 2% )
| 660-679
(Jun-2008)
640-659
(May-2007)
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
Total payments billed:
| 66 | | |
Description
PROVEN PROSPER BORROWER: The 3-Peat
MY SUCCESS STORY: I am returning to Prosper with hopes of securing a THIRD successful loan. My first (2) Prosper Loans were used to consolidate the credit card debt that I incurred years ago while paying my way through college. Both loans have been repaid in full and ahead of schedule. Prosper Loans have helped me reduce my WACC (weighted average cost of capital) by more than 12% (from 25% to 12.5%).***PURPOSE OF LOAN: The new (third) Prosper Loan would be used to further reduce my WACC. Specifically, I would pay off ALL credit card debt that is above 15%. ***MY FINANCIAL SITUATION: I have been employed by the same Fortune 500 Company as a financial analyst for the past 9 years; I am very aware of the importance of reducing my WACC. My monthly net income less "fixed" and "variable" expenses gives me a positive cash flow of $1,017 per month. Further, I have a very good savings account (>$20,000), but I don't want to interrupt my savings goals as I hope to buy a house in 3 years.
Information in the Description is not verified.