Sales Report:Supplement No. 62 dated Oct 20, 2009 to Prospectus dated Jul 13, 2009File pursuant to Rule 424(b)(3)
Registration Statement No. 333-147019
Prosper Marketplace, Inc.
Borrower Payment Dependent Notes
This Sales Report supplements the prospectus dated Jul 13, 2009 and provides information about each series of Borrower Payment Dependent Notes (the "Notes") that we have recently sold. You should read this Sales Report supplement together with the prospectus dated Jul 13, 2009 to understand the terms and conditions of the Notes and how they are offered, as well as the risks of investing in Notes.
We have sold the following series of Notes:
Borrower Payment Dependent Notes Series
425204
This series of Notes was issued and sold upon the funding of the borrower loan #38981, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $20,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 14 days
|
|
Term:
| 36 months |
Estimated loss:
| 6.2% |
Auction start date:
| Sep-21-2009 |
| |
Auction end date:
| Oct-05-2009 |
|
|
Starting lender yield:
| 21.55% |
Starting borrower rate/APR:
| 22.55% / 24.82% |
Starting monthly payment:
| $769.51 |
|
Final lender yield:
| 19.05% |
Final borrower rate/APR:
| 20.05% / 22.29% |
Final monthly payment:
| $743.78 |
| |
|
Auction yield range:
| 8.27% - 21.55% |
Estimated loss impact:
| 6.64% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 12.41% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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:
| 5 |
First credit line:
| Aug-1993 |
Debt/Income ratio:
| 21% |
|
Credit score:
| 820-840 (Sep-2009) |
Current / open credit lines:
| 15
/
15 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 27 | Length of status: | 3y 3m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $18,593 |
Occupation: | Skilled Labor |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 17% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 2 | | | | |
|
Screen name:
| runner398 |
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
Pay cred. cards/divorce settlement
Purpose of loan:
This loan will be used to? Payoff credit cards $12,000 to zero and pay a final divorce settlement of approximately $8,000.
My financial situation:
I am a good candidate for this loan because? I work for Sikorsky helicoptors building the Blackhawks and Blackhawk?Medivacs. We have a brand new union contract and have hundreds more Blackhawks to build to?satisfy our government contracts. I am?scheduled to receive a $4,000 raise in the next 2 months. My children and family are here so I'm not going anywhere that would jeopardize the repayment of this loan.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| crazycool | $25.00 | $25.00 | 9/21/2009 4:11:01 PM |
| unitedins | $25.00 | $25.00 | 9/21/2009 4:11:45 PM |
| figs4u2 | $200.00 | $200.00 | 9/21/2009 4:13:16 PM |
| secobarbital | $25.00 | $25.00 | 9/21/2009 4:14:10 PM |
| ethicalhumanist | $25.00 | $25.00 | 9/21/2009 4:09:58 PM |
| d_grbg | $35.00 | $35.00 | 9/21/2009 4:14:16 PM |
| JohnW12 | $25.00 | $25.00 | 9/21/2009 4:10:04 PM |
| WalnutCreekguy | $33.00 | $33.00 | 9/21/2009 4:14:39 PM |
| Halos2002 | $50.00 | $50.00 | 9/21/2009 4:11:41 PM |
| Champpilot | $50.00 | $50.00 | 9/21/2009 4:12:36 PM |
| Aquani | $50.00 | $50.00 | 9/21/2009 4:12:42 PM |
| orindalender | $50.00 | $50.00 | 9/21/2009 4:12:48 PM |
| GMPK_TLAS | $25.00 | $25.00 | 9/21/2009 4:16:27 PM |
| gold-tsunami | $25.00 | $25.00 | 9/21/2009 4:13:30 PM |
| aldeed | $25.00 | $25.00 | 9/21/2009 4:14:43 PM |
| miked8303 | $25.00 | $25.00 | 9/21/2009 4:10:25 PM |
| Artist_Blue | $25.00 | $25.00 | 9/21/2009 4:12:12 PM |
| personal-lender | $25.00 | $25.00 | 9/21/2009 4:12:24 PM |
| rjleves | $25.00 | $25.00 | 9/21/2009 4:13:40 PM |
| kulender | $25.00 | $25.00 | 9/21/2009 4:13:45 PM |
| MARSTUN | $50.00 | $50.00 | 9/21/2009 4:22:19 PM |
| takarlstad | $25.00 | $25.00 | 9/21/2009 4:22:26 PM |
| Dohshooter | $50.00 | $50.00 | 9/21/2009 4:22:45 PM |
| crenen139 | $25.00 | $25.00 | 9/21/2009 4:23:13 PM |
| bonus-buddy2 | $35.00 | $35.00 | 9/21/2009 4:19:28 PM |
| jdnyc | $25.00 | $25.00 | 9/21/2009 4:23:24 PM |
| Veloce | $25.00 | $25.00 | 9/21/2009 4:23:55 PM |
| new-reward-sequoia | $25.00 | $25.00 | 9/21/2009 4:20:45 PM |
| Maccs55 | $25.00 | $25.00 | 9/21/2009 4:21:15 PM |
| rlrcstr | $25.00 | $25.00 | 9/21/2009 4:21:19 PM |
| Clambake | $50.00 | $50.00 | 9/21/2009 4:17:01 PM |
| jeg3k | $25.00 | $25.00 | 9/21/2009 4:17:23 PM |
| fuzed | $25.00 | $25.00 | 9/21/2009 4:23:35 PM |
| hawker | $100.00 | $100.00 | 9/21/2009 4:19:22 PM |
| engaging-worth | $30.00 | $30.00 | 9/21/2009 4:19:36 PM |
| poeman | $25.00 | $25.00 | 9/21/2009 4:19:48 PM |
| Syzygy | $25.00 | $25.00 | 9/21/2009 4:28:10 PM |
| dbluesea | $25.00 | $25.00 | 9/21/2009 4:20:36 PM |
| kbodendorf | $25.00 | $25.00 | 9/21/2009 4:29:02 PM |
| dm_invest | $25.00 | $25.00 | 9/21/2009 4:21:06 PM |
| LongTail | $25.00 | $25.00 | 9/21/2009 4:21:27 PM |
| Katburg | $25.00 | $25.00 | 9/21/2009 4:21:37 PM |
| Dreams4Cash | $25.00 | $25.00 | 9/21/2009 4:22:55 PM |
| neighborly-bid | $25.00 | $25.00 | 9/21/2009 4:23:00 PM |
| anton | $25.00 | $25.00 | 9/21/2009 4:27:46 PM |
| gracej | $25.00 | $25.00 | 9/21/2009 4:32:01 PM |
| chief_wo | $25.00 | $25.00 | 9/21/2009 4:28:27 PM |
| return-flamenco | $25.00 | $25.00 | 9/21/2009 4:28:40 PM |
| Syndication | $25.00 | $25.00 | 9/21/2009 4:29:17 PM |
| rgrtanker | $25.00 | $25.00 | 9/21/2009 4:29:22 PM |
| RadCad1 | $50.00 | $50.00 | 9/21/2009 4:33:28 PM |
| mstebnicki | $25.00 | $25.00 | 9/21/2009 4:29:45 PM |
| saffron4 | $25.00 | $25.00 | 9/21/2009 4:30:31 PM |
| treasure-bliss | $50.00 | $50.00 | 9/21/2009 4:25:48 PM |
| LenderDan | $100.00 | $100.00 | 9/21/2009 4:31:13 PM |
| martinatime | $25.00 | $25.00 | 9/21/2009 4:26:34 PM |
| Dunndeal4u | $25.00 | $25.00 | 9/21/2009 4:27:15 PM |
| OCBLUE | $25.00 | $25.00 | 9/21/2009 4:27:20 PM |
| blessedpair | $25.00 | $25.00 | 9/21/2009 4:29:28 PM |
| hawkhelp | $25.00 | $25.00 | 9/21/2009 4:29:33 PM |
| trade-watcher | $25.00 | $25.00 | 9/21/2009 5:33:13 PM |
| Skramar | $25.00 | $25.00 | 9/21/2009 4:31:01 PM |
| yukongin | $25.00 | $25.00 | 9/21/2009 4:31:08 PM |
| Mr2025 | $50.00 | $50.00 | 9/21/2009 4:41:59 PM |
| visionary-currency | $50.00 | $50.00 | 9/21/2009 4:32:51 PM |
| skiberdad | $50.00 | $50.00 | 9/21/2009 4:33:14 PM |
| dinobuddy | $25.00 | $25.00 | 9/21/2009 4:52:44 PM |
| noble-revenue | $41.55 | $41.55 | 9/22/2009 12:22:00 AM |
| hythum3 | $25.00 | $25.00 | 9/21/2009 9:12:12 PM |
| the-profit-oracle | $25.00 | $25.00 | 9/21/2009 10:32:11 PM |
| Bank_Of_XL | $100.00 | $100.00 | 9/22/2009 7:08:35 AM |
| jgar_O | $25.00 | $25.00 | 9/22/2009 2:57:22 AM |
| Lax | $25.00 | $25.00 | 9/22/2009 9:12:07 AM |
| siege01 | $25.00 | $25.00 | 9/22/2009 9:27:29 AM |
| burrito6 | $25.00 | $25.00 | 9/22/2009 9:33:53 AM |
| riversmoke | $25.00 | $25.00 | 9/22/2009 6:37:25 AM |
| djh47a | $25.00 | $25.00 | 9/22/2009 9:34:55 AM |
| mailpip | $25.00 | $25.00 | 9/22/2009 9:27:36 AM |
| GatorBait | $25.00 | $25.00 | 9/22/2009 9:51:00 AM |
| canisian | $25.00 | $25.00 | 9/22/2009 10:43:39 AM |
| chlebie | $50.00 | $50.00 | 9/22/2009 9:44:46 AM |
| MidnightBank | $25.00 | $25.00 | 9/22/2009 11:32:02 AM |
| new-gold-innovator | $25.00 | $25.00 | 9/22/2009 11:06:39 AM |
| hrubinst | $25.00 | $25.00 | 9/22/2009 10:39:59 AM |
| affluence-tycoon | $25.00 | $25.00 | 9/22/2009 10:43:48 AM |
| MrDavid | $25.00 | $25.00 | 9/22/2009 12:33:40 PM |
| mason13a | $25.00 | $25.00 | 9/22/2009 11:55:18 AM |
| nodrivelpls | $25.00 | $25.00 | 9/22/2009 12:17:10 PM |
| BlueSummers | $34.00 | $34.00 | 9/22/2009 12:35:17 PM |
| cyberie21 | $34.19 | $34.19 | 9/22/2009 1:24:10 PM |
| jresu537 | $25.00 | $25.00 | 9/22/2009 1:38:17 PM |
| ErikB | $25.00 | $25.00 | 9/22/2009 1:36:25 PM |
| rose88 | $25.00 | $25.00 | 9/22/2009 1:42:07 PM |
| don8ter | $25.00 | $25.00 | 9/22/2009 1:17:40 PM |
| PHI4308 | $25.00 | $25.00 | 9/22/2009 1:36:23 PM |
| hopethisworks | $50.00 | $50.00 | 9/22/2009 5:03:36 PM |
| mathprof | $25.00 | $25.00 | 9/22/2009 5:03:55 PM |
| LenderByDay | $25.00 | $25.00 | 9/22/2009 5:07:24 PM |
| Tradesmanlender | $25.00 | $25.00 | 9/22/2009 5:37:05 PM |
| dimitrip1024 | $25.00 | $25.00 | 9/22/2009 6:57:59 PM |
| ohnezweck | $25.00 | $25.00 | 9/22/2009 5:03:32 PM |
| MSME | $25.00 | $25.00 | 9/22/2009 7:52:44 PM |
| t3mp3st | $25.00 | $25.00 | 9/22/2009 7:54:03 PM |
| whiteshadow | $25.00 | $25.00 | 9/22/2009 5:04:56 PM |
| Coach2often | $25.00 | $25.00 | 9/22/2009 5:07:11 PM |
| pure-deal6 | $25.00 | $25.00 | 9/22/2009 6:42:30 PM |
| deal-secret-agent | $25.00 | $25.00 | 9/23/2009 8:07:08 AM |
| bazaar-beast | $25.00 | $25.00 | 9/23/2009 9:34:15 AM |
| smmgnn99 | $25.00 | $25.00 | 9/23/2009 9:41:05 AM |
| imagenki | $25.00 | $25.00 | 9/23/2009 6:42:51 AM |
| KiwiElf | $25.00 | $25.00 | 9/23/2009 8:23:11 AM |
| cash-tiramisu | $250.00 | $250.00 | 9/23/2009 9:32:52 AM |
| Nemo2001 | $25.00 | $25.00 | 9/23/2009 12:48:09 PM |
| bowerz | $25.00 | $25.00 | 9/23/2009 1:20:41 PM |
| kain11286 | $25.00 | $25.00 | 9/23/2009 11:42:20 AM |
| 888168 | $25.00 | $25.00 | 9/23/2009 1:56:58 PM |
| NFV | $25.00 | $25.00 | 9/23/2009 10:38:38 AM |
| Josta | $50.00 | $50.00 | 9/23/2009 12:02:44 PM |
| zeelender | $25.00 | $25.00 | 9/23/2009 11:38:02 AM |
| silver-allotment | $25.00 | $25.00 | 9/23/2009 11:42:11 AM |
| lisyuan | $25.00 | $25.00 | 9/23/2009 1:38:12 PM |
| FeedTheMachine | $150.00 | $150.00 | 9/23/2009 1:47:26 PM |
| dansarkis | $25.00 | $25.00 | 9/23/2009 1:12:07 PM |
| spitzbergen | $25.00 | $25.00 | 9/23/2009 2:58:35 PM |
| Sateesh | $61.76 | $61.76 | 9/23/2009 3:01:56 PM |
| andrelaplume | $50.00 | $50.00 | 9/23/2009 3:03:59 PM |
| imlosttoo | $25.00 | $25.00 | 9/23/2009 5:29:34 PM |
| darylc | $35.00 | $35.00 | 9/23/2009 4:52:06 PM |
| NJournalist | $25.00 | $25.00 | 9/23/2009 5:29:04 PM |
| GRI | $41.59 | $41.59 | 9/23/2009 5:30:25 PM |
| mikeandcat | $50.00 | $50.00 | 9/23/2009 5:30:58 PM |
| lender281 | $25.00 | $25.00 | 9/23/2009 5:31:08 PM |
| wifibank | $25.00 | $25.00 | 9/23/2009 5:32:07 PM |
| Bigheadboy | $25.00 | $25.00 | 9/23/2009 5:32:50 PM |
| helpu88 | $25.00 | $25.00 | 9/23/2009 5:30:56 PM |
| BBL | $25.00 | $25.00 | 9/23/2009 7:11:56 PM |
| WorldlyWorker | $25.00 | $25.00 | 9/24/2009 6:04:22 AM |
| screenname03 | $25.00 | $25.00 | 9/23/2009 11:17:12 PM |
| assetmanager | $25.00 | $25.00 | 9/23/2009 11:22:25 PM |
| funds-promiser | $50.00 | $50.00 | 9/24/2009 5:59:31 AM |
| ritchie70 | $25.00 | $25.00 | 9/24/2009 6:29:11 AM |
| hayhelp | $25.00 | $25.00 | 9/24/2009 6:06:41 AM |
| DrStaff | $60.00 | $60.00 | 9/24/2009 6:10:08 AM |
| Sixmil | $25.00 | $25.00 | 9/24/2009 6:11:00 AM |
| Norcal | $25.00 | $25.00 | 9/24/2009 6:11:04 AM |
| CPAMAN | $25.00 | $25.00 | 9/24/2009 7:36:53 AM |
| icon7 | $25.00 | $25.00 | 9/24/2009 10:52:23 AM |
| capital-galaxy | $75.00 | $75.00 | 9/24/2009 11:30:55 AM |
| TheMan | $25.00 | $25.00 | 9/24/2009 1:01:58 PM |
| iruz | $30.00 | $30.00 | 9/24/2009 1:38:44 PM |
| RedCentre | $100.00 | $100.00 | 9/24/2009 2:31:24 PM |
| takabanana | $25.00 | $25.00 | 9/24/2009 3:52:26 PM |
| HermanstadtKid | $25.00 | $25.00 | 9/24/2009 6:17:17 PM |
| THREE-POINTS-LENDING | $25.00 | $25.00 | 9/24/2009 4:42:50 PM |
| aurorafinancial | $50.00 | $50.00 | 9/24/2009 6:26:56 PM |
| ecila625 | $25.00 | $25.00 | 9/24/2009 6:27:02 PM |
| Gibbyland | $50.00 | $50.00 | 9/25/2009 3:17:50 AM |
| SnE | $25.00 | $25.00 | 9/25/2009 2:15:36 AM |
| whois-JohnGalt | $25.00 | $25.00 | 9/25/2009 8:14:00 AM |
| Share_The_Wealth | $50.00 | $50.00 | 9/25/2009 6:31:57 AM |
| p2p-allocator | $25.00 | $25.00 | 9/25/2009 8:48:56 AM |
| MoNeYMaN5 | $25.00 | $25.00 | 9/25/2009 8:49:29 AM |
| money-shaker | $25.00 | $25.00 | 9/25/2009 8:49:39 AM |
| freetimeskier | $50.00 | $50.00 | 9/25/2009 8:49:50 AM |
| yield-lion | $25.00 | $25.00 | 9/25/2009 8:50:02 AM |
| 02bob | $25.00 | $25.00 | 9/25/2009 8:50:31 AM |
| Trojan1976 | $25.00 | $25.00 | 9/25/2009 8:53:37 AM |
| VPRLLC | $25.00 | $25.00 | 9/25/2009 7:22:04 AM |
| compassion-paladin042 | $25.00 | $25.00 | 9/25/2009 8:42:56 AM |
| Cutts | $25.00 | $25.00 | 9/25/2009 8:48:27 AM |
| iolaire | $25.00 | $25.00 | 9/25/2009 8:48:43 AM |
| Turkish101 | $25.00 | $25.00 | 9/25/2009 8:49:05 AM |
| drummer427 | $25.00 | $25.00 | 9/25/2009 8:49:16 AM |
| incbx | $25.00 | $25.00 | 9/25/2009 8:49:28 AM |
| atllender | $25.00 | $25.00 | 9/25/2009 8:49:48 AM |
| All_Wins | $25.00 | $25.00 | 9/25/2009 8:50:45 AM |
| dospapalotes | $25.00 | $25.00 | 9/25/2009 8:48:44 AM |
| ScottW | $25.00 | $25.00 | 9/25/2009 8:49:37 AM |
| Hokiemon | $48.94 | $48.94 | 9/25/2009 8:50:23 AM |
| fireboss | $100.00 | $100.00 | 9/25/2009 8:53:06 AM |
| wdove511 | $25.00 | $25.00 | 9/25/2009 8:53:11 AM |
| vigorous-moola | $25.00 | $25.00 | 9/25/2009 10:08:05 AM |
| skibum65 | $50.00 | $50.00 | 9/25/2009 8:52:47 AM |
| bxdoc | $41.93 | $41.93 | 9/25/2009 8:53:28 AM |
| generous-deal6 | $50.00 | $50.00 | 9/25/2009 10:52:08 AM |
| treasure-generator | $25.00 | $25.00 | 9/25/2009 9:33:57 AM |
| chunkymonkey1 | $25.00 | $25.00 | 9/25/2009 9:34:04 AM |
| dollar-oracle55 | $25.00 | $25.00 | 9/25/2009 9:39:43 AM |
| wizardii | $25.00 | $25.00 | 9/25/2009 11:23:49 AM |
| AF-Chief | $25.00 | $25.00 | 9/25/2009 11:27:28 AM |
| glalat | $25.00 | $25.00 | 9/25/2009 2:22:45 PM |
| JonyWinter | $27.17 | $27.17 | 9/25/2009 1:27:27 PM |
| momentous-gold | $25.00 | $25.00 | 9/25/2009 1:28:03 PM |
| telafonic | $25.00 | $25.00 | 9/25/2009 5:18:38 PM |
| dcmotorcyclemayhem | $25.00 | $25.00 | 9/25/2009 6:32:04 PM |
| Skady3love | $25.00 | $25.00 | 9/26/2009 12:09:14 PM |
| bchen78875 | $25.00 | $25.00 | 9/27/2009 12:52:18 PM |
| Bestloans | $50.00 | $50.00 | 9/26/2009 9:47:10 PM |
| integrity-brilliance | $25.00 | $25.00 | 9/27/2009 8:12:06 AM |
| tmillerosu | $25.00 | $25.00 | 9/27/2009 12:12:34 PM |
| raisingophelia | $25.00 | $25.00 | 9/28/2009 4:02:05 AM |
| rosario1 | $25.00 | $25.00 | 9/28/2009 8:46:59 AM |
| nala2821 | $25.00 | $25.00 | 9/28/2009 9:33:19 AM |
| Aimvest | $25.00 | $25.00 | 9/27/2009 8:22:07 PM |
| a-healthy-affluence | $50.00 | $50.00 | 9/28/2009 9:36:16 AM |
| liederhaus | $42.63 | $42.63 | 9/27/2009 9:23:10 PM |
| Northsider | $25.00 | $25.00 | 9/28/2009 5:14:20 AM |
| devin57 | $25.00 | $25.00 | 9/28/2009 11:28:18 AM |
| rellotsf | $25.00 | $25.00 | 9/28/2009 7:37:09 AM |
| aasx1108 | $25.00 | $25.00 | 9/28/2009 8:17:21 AM |
| rapid-power2 | $25.00 | $25.00 | 9/28/2009 9:33:02 AM |
| mcarm66 | $25.00 | $25.00 | 9/28/2009 9:54:08 AM |
| caledonia | $25.00 | $25.00 | 9/28/2009 1:32:22 PM |
| income-crescendo1 | $25.00 | $25.00 | 9/28/2009 9:57:10 AM |
| power-collider | $25.00 | $25.00 | 9/28/2009 11:47:28 AM |
| eronyc | $25.00 | $25.00 | 9/28/2009 12:12:36 PM |
| jga516 | $25.00 | $25.00 | 9/28/2009 12:48:12 PM |
| korbas12 | $25.00 | $25.00 | 9/28/2009 2:07:12 PM |
| YQQ | $25.00 | $25.00 | 9/28/2009 2:42:42 PM |
| samo102us | $25.00 | $25.00 | 9/28/2009 4:55:38 PM |
| yomanie | $25.00 | $25.00 | 9/28/2009 5:08:17 PM |
| wampum-proton | $25.00 | $25.00 | 9/28/2009 5:32:23 PM |
| JDFuego | $25.00 | $25.00 | 9/28/2009 5:51:50 PM |
| revenue-achievement | $25.00 | $25.00 | 9/28/2009 4:59:30 PM |
| basis-mammal | $25.00 | $25.00 | 9/28/2009 6:47:26 PM |
| Warwick | $25.00 | $25.00 | 9/28/2009 5:13:10 PM |
| AF_Trust | $25.00 | $25.00 | 9/28/2009 5:08:20 PM |
| Josilot | $25.00 | $25.00 | 9/28/2009 5:32:08 PM |
| JLChamberlain | $25.00 | $25.00 | 9/28/2009 5:32:16 PM |
| slyder61 | $25.00 | $25.00 | 9/28/2009 5:12:33 PM |
| catterpillar | $25.00 | $25.00 | 9/28/2009 5:32:24 PM |
| heavy_ax | $25.00 | $25.00 | 9/28/2009 5:32:20 PM |
| george_kaplan | $25.00 | $25.00 | 9/28/2009 6:02:24 PM |
| AnxiousAirman | $25.00 | $25.00 | 9/28/2009 5:32:44 PM |
| b2m80s | $25.00 | $25.00 | 9/28/2009 5:39:35 PM |
| Abydos | $25.00 | $25.00 | 9/29/2009 4:57:41 AM |
| feedpaulyfaster | $25.00 | $25.00 | 9/28/2009 6:52:33 PM |
| biz20 | $25.00 | $25.00 | 9/29/2009 8:17:17 AM |
| mrfrog | $25.00 | $25.00 | 9/29/2009 9:34:06 AM |
| inventive-exchange | $25.00 | $25.00 | 9/29/2009 9:34:52 AM |
| briggsy4 | $25.00 | $25.00 | 9/29/2009 1:27:16 AM |
| saxeman | $25.00 | $25.00 | 9/29/2009 6:01:51 AM |
| MissionMicroFinance | $25.00 | $25.00 | 9/29/2009 5:45:58 AM |
| Solluna | $25.00 | $25.00 | 9/29/2009 11:17:16 AM |
| conqueror359 | $50.00 | $50.00 | 9/29/2009 8:08:43 AM |
| dspmn | $25.00 | $25.00 | 9/29/2009 9:12:22 AM |
| SpeedyTBC | $25.00 | $25.00 | 9/29/2009 12:42:30 PM |
| gatorjh | $25.00 | $25.00 | 9/29/2009 12:59:01 PM |
| cheng | $25.00 | $25.00 | 9/29/2009 10:00:24 AM |
| robot777 | $40.00 | $40.00 | 9/29/2009 10:55:10 AM |
| VMoney1 | $25.00 | $25.00 | 9/29/2009 2:11:57 PM |
| the-silver-blaster | $40.00 | $40.00 | 9/29/2009 2:18:55 PM |
| skegee | $25.00 | $25.00 | 9/29/2009 2:27:05 PM |
| snwbrder0721 | $25.00 | $25.00 | 9/29/2009 2:27:07 PM |
| awesome-market | $25.00 | $25.00 | 9/29/2009 2:27:18 PM |
| Tahoeguy | $25.00 | $25.00 | 9/29/2009 2:27:25 PM |
| Dia_Lucrii | $25.00 | $25.00 | 9/29/2009 2:27:37 PM |
| deal-mover | $25.00 | $25.00 | 9/29/2009 2:27:43 PM |
| The_Lending_Muscle | $25.00 | $25.00 | 9/29/2009 2:27:49 PM |
| ogoog | $25.00 | $25.00 | 9/29/2009 2:28:00 PM |
| nick5454 | $50.00 | $50.00 | 9/29/2009 2:28:07 PM |
| pischkoa | $25.00 | $25.00 | 9/29/2009 2:28:11 PM |
| Synergism | $25.00 | $25.00 | 9/29/2009 2:28:14 PM |
| ISHLEP67 | $28.89 | $28.89 | 9/29/2009 2:28:20 PM |
| catmanbob | $25.00 | $25.00 | 9/29/2009 11:30:38 AM |
| JBlayz | $25.00 | $25.00 | 9/29/2009 11:43:35 AM |
| money4free | $25.05 | $25.05 | 9/29/2009 11:43:50 AM |
| WolRab | $25.00 | $25.00 | 9/29/2009 11:57:01 AM |
| NELNET | $35.74 | $35.74 | 9/29/2009 12:01:55 PM |
| marsciguy | $25.00 | $25.00 | 9/29/2009 12:21:57 PM |
| secretidentity | $25.00 | $25.00 | 9/29/2009 12:42:00 PM |
| jonn834 | $25.00 | $25.00 | 9/29/2009 12:53:18 PM |
| xphile | $25.00 | $25.00 | 9/29/2009 12:59:30 PM |
| red-favorable-basis | $25.00 | $25.00 | 9/29/2009 1:56:58 PM |
| Red4Golf | $25.00 | $25.00 | 9/29/2009 1:07:01 PM |
| JL_FC | $25.00 | $25.00 | 9/29/2009 2:18:46 PM |
| KaiserRex | $25.00 | $25.00 | 9/29/2009 2:27:02 PM |
| tlp43 | $25.00 | $25.00 | 9/29/2009 2:27:03 PM |
| RusRobo | $25.00 | $25.00 | 9/29/2009 2:27:11 PM |
| KR | $25.00 | $25.00 | 9/29/2009 2:27:16 PM |
| Deuce | $25.00 | $25.00 | 9/29/2009 2:27:21 PM |
| booyah | $75.00 | $75.00 | 9/29/2009 2:27:24 PM |
| jkitten | $25.00 | $25.00 | 9/29/2009 2:27:33 PM |
| intelligent-gold | $25.00 | $25.00 | 9/29/2009 2:27:36 PM |
| blujfan9293 | $25.00 | $25.00 | 9/29/2009 2:27:42 PM |
| TOCPI | $25.00 | $25.00 | 9/29/2009 2:27:50 PM |
| mmqc | $25.00 | $25.00 | 9/29/2009 2:27:55 PM |
| duty-monger | $25.00 | $25.00 | 9/29/2009 2:28:02 PM |
| scoobiedoo | $25.00 | $25.00 | 9/29/2009 2:18:49 PM |
| Cronos | $25.00 | $25.00 | 9/29/2009 2:18:59 PM |
| bigphish | $25.00 | $25.00 | 9/29/2009 2:19:11 PM |
| p2p_banker | $25.00 | $25.00 | 9/29/2009 2:27:00 PM |
| xyzkid3 | $50.00 | $50.00 | 9/29/2009 2:27:09 PM |
| rcflick | $25.00 | $25.00 | 9/29/2009 2:27:15 PM |
| meoweo | $25.00 | $25.00 | 9/29/2009 2:27:20 PM |
| SAR-2 | $50.00 | $50.00 | 9/29/2009 2:27:27 PM |
| Disha_Sagar | $25.00 | $25.00 | 9/29/2009 2:27:30 PM |
| leemic | $25.00 | $25.00 | 9/29/2009 2:27:32 PM |
| flyboy24 | $25.00 | $25.00 | 9/29/2009 2:27:39 PM |
| dokiya777 | $25.00 | $25.00 | 9/29/2009 2:27:44 PM |
| ramsbladder | $25.00 | $25.00 | 9/29/2009 2:27:49 PM |
| bba11er45 | $25.00 | $25.00 | 9/29/2009 2:28:02 PM |
| Hiro07 | $25.00 | $25.00 | 9/29/2009 2:28:33 PM |
| mehlp2 | $25.00 | $25.00 | 9/30/2009 4:05:55 PM |
| 101010 | $100.00 | $100.00 | 9/30/2009 10:15:04 PM |
| RobinHood | $50.00 | $50.00 | 10/1/2009 12:04:12 PM |
| interstellar | $50.00 | $50.00 | 10/1/2009 12:14:34 PM |
| privatebankerva | $25.00 | $25.00 | 10/2/2009 7:56:55 AM |
| freedom3 | $500.00 | $500.00 | 10/2/2009 5:06:09 PM |
| junes08 | $50.00 | $50.00 | 10/2/2009 10:25:09 PM |
| Savings_EQ_Dignity | $50.00 | $50.00 | 10/4/2009 12:07:38 PM |
| CashBank | $25.00 | $25.00 | 10/5/2009 9:01:21 AM |
| balance-chestnut | $25.00 | $25.00 | 10/5/2009 11:56:01 AM |
| jtn4148 | $50.00 | $50.00 | 10/5/2009 9:55:04 AM |
| DMKAssetManagement | $50.00 | $50.00 | 10/5/2009 1:34:17 PM |
| well-mannered-income3 | $25.00 | $25.00 | 10/5/2009 2:42:44 PM |
| best-generosity-financier | $25.00 | $25.00 | 10/5/2009 3:41:38 PM |
| skuba | $25.00 | $25.00 | 9/21/2009 4:11:03 PM |
| five-star-justice | $36.00 | $36.00 | 9/21/2009 4:11:06 PM |
| thedreamer | $25.00 | $25.00 | 9/21/2009 4:12:30 PM |
| exact-justice | $25.00 | $25.00 | 9/21/2009 4:13:06 PM |
| YoungSuccessLLC | $25.00 | $25.00 | 9/21/2009 4:10:07 PM |
| turbine5 | $25.00 | $25.00 | 9/21/2009 4:11:11 PM |
| SNH | $25.00 | $25.00 | 9/21/2009 4:12:05 PM |
| VentureExplorer | $25.00 | $25.00 | 9/21/2009 4:12:53 PM |
| wayman | $50.00 | $50.00 | 9/21/2009 4:12:59 PM |
| techvet | $25.00 | $25.00 | 9/21/2009 4:16:46 PM |
| mpactlender | $25.00 | $25.00 | 9/21/2009 4:13:58 PM |
| ianakacg | $25.00 | $25.00 | 9/21/2009 4:17:35 PM |
| Sam65 | $25.00 | $25.00 | 9/21/2009 4:17:43 PM |
| unclejaef | $25.00 | $25.00 | 9/21/2009 4:17:50 PM |
| sloan | $25.00 | $25.00 | 9/21/2009 4:14:48 PM |
| westsidehighway | $25.00 | $25.00 | 9/21/2009 4:18:50 PM |
| delivery | $25.00 | $25.00 | 9/21/2009 4:15:50 PM |
| top-impressive-dinero | $25.00 | $25.00 | 9/21/2009 4:20:29 PM |
| jokerj006 | $25.00 | $25.00 | 9/21/2009 4:11:50 PM |
| honorable-yield | $25.00 | $25.00 | 9/21/2009 4:11:58 PM |
| CarDealer3070 | $30.00 | $30.00 | 9/21/2009 4:16:35 PM |
| slcchad | $25.00 | $25.00 | 9/21/2009 4:16:41 PM |
| socialbanker | $25.00 | $25.00 | 9/21/2009 4:18:01 PM |
| Dahlozer | $25.00 | $25.00 | 9/21/2009 4:18:07 PM |
| scottr | $25.00 | $25.00 | 9/21/2009 4:13:50 PM |
| Supernick | $25.00 | $25.00 | 9/21/2009 4:14:24 PM |
| dparkhom | $25.00 | $25.00 | 9/21/2009 4:14:33 PM |
| MicroL | $25.00 | $25.00 | 9/21/2009 4:19:10 PM |
| silver-armada | $50.00 | $50.00 | 9/21/2009 4:20:12 PM |
| tlam168 | $25.00 | $25.00 | 9/21/2009 4:20:24 PM |
| Weaverville | $50.00 | $50.00 | 9/21/2009 4:24:54 PM |
| chicco | $80.00 | $80.00 | 9/21/2009 4:17:11 PM |
| LimekilnLake | $25.00 | $25.00 | 9/21/2009 4:21:54 PM |
| youqianderen | $50.00 | $50.00 | 9/21/2009 4:18:45 PM |
| funds-dominator | $25.00 | $25.00 | 9/21/2009 4:26:50 PM |
| ibuystk | $50.00 | $50.00 | 9/21/2009 4:24:00 PM |
| tensor | $25.00 | $25.00 | 9/21/2009 4:24:40 PM |
| KLVLOPZ64 | $25.00 | $25.00 | 9/21/2009 4:24:47 PM |
| zoomdrm57 | $25.00 | $25.00 | 9/21/2009 4:28:52 PM |
| GLDavis | $25.00 | $25.00 | 9/21/2009 4:25:19 PM |
| bazaar-tulip | $25.00 | $25.00 | 9/21/2009 4:20:56 PM |
| Viamin | $25.00 | $25.00 | 9/21/2009 4:29:10 PM |
| snoopey100 | $25.00 | $25.00 | 9/21/2009 4:21:30 PM |
| Mantis75 | $25.00 | $25.00 | 9/21/2009 4:25:59 PM |
| friendly-gold | $25.00 | $25.00 | 9/21/2009 4:26:09 PM |
| tender-gold | $25.00 | $25.00 | 9/21/2009 4:21:43 PM |
| brainy-dedication | $25.00 | $25.00 | 9/21/2009 4:26:19 PM |
| xstreamin | $25.00 | $25.00 | 9/21/2009 4:29:53 PM |
| zone8 | $25.00 | $25.00 | 9/21/2009 4:26:25 PM |
| cassius84 | $25.00 | $25.00 | 9/21/2009 4:26:30 PM |
| pbr | $25.00 | $25.00 | 9/21/2009 4:26:38 PM |
| SPB | $25.00 | $25.00 | 9/21/2009 4:22:11 PM |
| lagnisiruk | $25.00 | $25.00 | 9/21/2009 4:23:20 PM |
| jt530 | $25.00 | $25.00 | 9/21/2009 4:23:30 PM |
| Dutchhunter | $25.00 | $25.00 | 9/21/2009 4:32:47 PM |
| PeterV | $25.00 | $25.00 | 9/21/2009 4:24:18 PM |
| brazilofmux | $70.88 | $70.88 | 9/21/2009 4:24:26 PM |
| MARWARISETH | $25.00 | $25.00 | 9/21/2009 4:33:21 PM |
| Phantom99 | $25.00 | $25.00 | 9/21/2009 4:29:39 PM |
| inventive-wealth2 | $25.00 | $25.00 | 9/21/2009 4:26:15 PM |
| Shepherd7 | $25.00 | $25.00 | 9/21/2009 4:31:39 PM |
| RationalWorld | $25.00 | $25.00 | 9/21/2009 4:32:09 PM |
| rolandweary | $40.00 | $40.00 | 9/21/2009 4:26:43 PM |
| heroic-benefit | $25.00 | $25.00 | 9/21/2009 4:32:57 PM |
| kumpa2u | $25.00 | $25.00 | 9/21/2009 4:37:44 PM |
| sambog | $25.00 | $25.00 | 9/21/2009 4:30:14 PM |
| lgs83 | $25.00 | $25.00 | 9/21/2009 4:30:44 PM |
| rain100 | $50.00 | $50.00 | 9/21/2009 4:30:58 PM |
| bigdogsafety1 | $25.00 | $25.00 | 9/21/2009 4:32:27 PM |
| louisianalender | $100.00 | $100.00 | 9/21/2009 4:32:34 PM |
| soldadoz | $25.00 | $25.00 | 9/21/2009 4:33:03 PM |
| elated-justice | $25.00 | $25.00 | 9/21/2009 4:38:43 PM |
| coolspeed | $25.00 | $25.00 | 9/21/2009 4:38:53 PM |
| d3global | $25.00 | $25.00 | 9/21/2009 6:48:20 PM |
| lending-bear | $25.00 | $25.00 | 9/21/2009 4:57:03 PM |
| Tapu22 | $50.00 | $50.00 | 9/21/2009 8:27:12 PM |
| new-goal-return | $25.00 | $25.00 | 9/21/2009 8:47:55 PM |
| Cpay2Me | $25.00 | $25.00 | 9/21/2009 7:28:44 PM |
| peb44 | $39.70 | $39.70 | 9/22/2009 6:43:57 AM |
| NoVALending | $25.00 | $25.00 | 9/22/2009 9:32:36 AM |
| lovely-return7 | $25.00 | $25.00 | 9/22/2009 9:35:18 AM |
| boghdan2000 | $25.00 | $25.00 | 9/22/2009 9:07:17 AM |
| Carpetkid | $25.00 | $25.00 | 9/22/2009 9:27:34 AM |
| benefit-squirrel | $30.00 | $30.00 | 9/22/2009 9:33:22 AM |
| special-responsibility | $25.00 | $25.00 | 9/22/2009 9:34:08 AM |
| historic-fund | $50.00 | $50.00 | 9/22/2009 9:34:02 AM |
| HoyaHeel | $25.00 | $25.00 | 9/22/2009 10:36:28 AM |
| kegs | $100.00 | $100.00 | 9/22/2009 9:58:24 AM |
| educationfirst | $25.00 | $25.00 | 9/22/2009 10:59:06 AM |
| larrybird | $95.00 | $95.00 | 9/22/2009 10:53:05 AM |
| impressive-loan | $100.00 | $100.00 | 9/22/2009 11:05:27 AM |
| anders94 | $48.44 | $48.44 | 9/22/2009 12:23:06 PM |
| keeks | $25.00 | $25.00 | 9/22/2009 12:37:19 PM |
| BayShell | $40.00 | $40.00 | 9/22/2009 1:20:21 PM |
| bid-papyrus | $25.00 | $25.00 | 9/22/2009 12:49:42 PM |
| Raye147 | $25.00 | $25.00 | 9/22/2009 11:46:43 AM |
| shawnw2 | $25.00 | $25.00 | 9/22/2009 1:21:56 PM |
| benroo | $25.00 | $25.00 | 9/22/2009 1:23:42 PM |
| Exia | $25.00 | $25.00 | 9/22/2009 12:09:26 PM |
| Dakota98 | $50.00 | $50.00 | 9/22/2009 12:37:16 PM |
| BerkeleyBonds | $25.00 | $25.00 | 9/22/2009 1:36:28 PM |
| Trinkaloki | $25.00 | $25.00 | 9/22/2009 4:02:46 PM |
| RickD1003 | $50.00 | $50.00 | 9/22/2009 1:42:43 PM |
| NATIVEBORN | $25.00 | $25.00 | 9/22/2009 1:17:35 PM |
| best-platinum-persimmon | $25.00 | $25.00 | 9/22/2009 2:17:02 PM |
| langdonx | $50.00 | $50.00 | 9/22/2009 1:42:26 PM |
| Madron | $50.00 | $50.00 | 9/22/2009 2:12:43 PM |
| epic-deal | $25.00 | $25.00 | 9/22/2009 2:22:03 PM |
| ClearLake | $25.00 | $25.00 | 9/22/2009 3:12:02 PM |
| richrobe | $25.00 | $25.00 | 9/22/2009 4:22:04 PM |
| GElender | $50.00 | $50.00 | 9/22/2009 5:03:17 PM |
| Elbanko | $25.00 | $25.00 | 9/22/2009 5:07:49 PM |
| chekat | $25.00 | $25.00 | 9/22/2009 7:52:45 PM |
| standanddeliver | $25.00 | $25.00 | 9/22/2009 5:04:39 PM |
| MGMNT | $25.00 | $25.00 | 9/22/2009 11:47:08 PM |
| Student_Capital | $50.00 | $50.00 | 9/23/2009 12:27:30 AM |
| ualf | $25.99 | $25.99 | 9/22/2009 6:58:06 PM |
| smart-return | $25.00 | $25.00 | 9/22/2009 7:56:57 PM |
| metro457 | $25.00 | $25.00 | 9/23/2009 7:32:14 AM |
| theQuietLender | $25.00 | $25.00 | 9/22/2009 7:27:19 PM |
| project07 | $25.00 | $25.00 | 9/23/2009 3:12:13 AM |
| rmachi | $25.00 | $25.00 | 9/23/2009 8:22:38 AM |
| dime-violin | $25.00 | $25.00 | 9/23/2009 9:53:38 AM |
| newest-generosity-saga | $25.00 | $25.00 | 9/23/2009 9:34:37 AM |
| seisen | $50.00 | $50.00 | 9/23/2009 8:23:37 AM |
| gold-cluster | $25.00 | $25.00 | 9/23/2009 9:53:45 AM |
| jbarron | $25.00 | $25.00 | 9/23/2009 10:25:29 AM |
| firewomin | $25.00 | $25.00 | 9/23/2009 2:08:25 PM |
| intelligent-yield | $25.00 | $25.00 | 9/23/2009 11:39:24 AM |
| flwah | $25.00 | $25.00 | 9/23/2009 1:06:58 PM |
| impartial-deal | $25.00 | $25.00 | 9/23/2009 1:42:23 PM |
| PatRichi | $25.00 | $25.00 | 9/23/2009 1:18:17 PM |
| fizwahh | $30.00 | $30.00 | 9/23/2009 1:57:01 PM |
| UnemployedNinjaMom | $25.00 | $25.00 | 9/23/2009 3:38:24 PM |
| gm93001 | $32.29 | $32.29 | 9/23/2009 4:10:54 PM |
| Moron_Buffet | $25.00 | $25.00 | 9/23/2009 5:03:10 PM |
| upc_tnt | $25.00 | $25.00 | 9/23/2009 5:22:20 PM |
| top-unflappable-economy | $25.00 | $25.00 | 9/23/2009 5:30:57 PM |
| UCLA4life | $25.00 | $25.00 | 9/23/2009 5:32:32 PM |
| profit33r | $25.00 | $25.00 | 9/23/2009 5:51:57 PM |
| Kaj | $25.00 | $25.00 | 9/23/2009 4:32:03 PM |
| 4mydaughterseducation | $50.00 | $50.00 | 9/23/2009 5:28:57 PM |
| flexiboy35 | $25.00 | $25.00 | 9/23/2009 7:06:55 PM |
| Hogpilot | $25.00 | $25.00 | 9/23/2009 7:11:55 PM |
| Cai8899 | $25.00 | $25.00 | 9/23/2009 8:17:08 PM |
| slymoose | $25.00 | $25.00 | 9/23/2009 8:47:10 PM |
| KLCRAY | $50.00 | $50.00 | 9/23/2009 11:11:56 PM |
| Yanwoo | $25.00 | $25.00 | 9/23/2009 11:22:14 PM |
| IIP77 | $25.00 | $25.00 | 9/24/2009 1:07:03 AM |
| Raser | $25.00 | $25.00 | 9/24/2009 5:58:22 AM |
| thryn | $25.00 | $25.00 | 9/24/2009 6:04:08 AM |
| Jassi | $25.00 | $25.00 | 9/24/2009 6:08:16 AM |
| indomitable-felicity | $25.00 | $25.00 | 9/24/2009 9:32:54 AM |
| newest-unique-integrity | $25.00 | $25.00 | 9/24/2009 9:35:10 AM |
| bmbanzai | $25.00 | $25.00 | 9/24/2009 8:28:35 AM |
| bss97603 | $25.00 | $25.00 | 9/24/2009 10:57:04 AM |
| treasure-ace | $25.00 | $25.00 | 9/24/2009 9:34:02 AM |
| unk1911 | $25.00 | $25.00 | 9/24/2009 11:38:03 AM |
| jybank | $25.00 | $25.00 | 9/24/2009 9:35:47 AM |
| Raven39 | $25.00 | $25.00 | 9/24/2009 12:51:21 PM |
| mmckune | $25.00 | $25.00 | 9/24/2009 2:29:00 PM |
| -------Financer | $25.00 | $25.00 | 9/24/2009 12:22:26 PM |
| selfmademan | $25.00 | $25.00 | 9/24/2009 12:42:37 PM |
| fortytwo | $100.00 | $100.00 | 9/24/2009 1:16:36 PM |
| draggon77 | $25.00 | $25.00 | 9/24/2009 1:47:04 PM |
| justice-dna | $25.00 | $25.00 | 9/24/2009 3:41:37 PM |
| dinero-mason | $41.00 | $41.00 | 9/24/2009 4:34:37 PM |
| KwikLoan | $25.00 | $25.00 | 9/24/2009 7:03:46 PM |
| Loan_shark718 | $50.00 | $50.00 | 9/24/2009 8:41:59 PM |
| Havana21 | $25.00 | $25.00 | 9/24/2009 11:18:04 PM |
| galtsgulch | $25.00 | $25.00 | 9/25/2009 6:02:07 AM |
| F16Pilot | $25.00 | $25.00 | 9/25/2009 5:33:22 AM |
| flexible1 | $25.00 | $25.00 | 9/25/2009 8:48:23 AM |
| titan1 | $25.00 | $25.00 | 9/25/2009 7:11:57 AM |
| lowrate | $25.00 | $25.00 | 9/25/2009 8:52:50 AM |
| Frenchynh | $25.00 | $25.00 | 9/25/2009 8:53:17 AM |
| Zagit | $25.00 | $25.00 | 9/25/2009 8:43:15 AM |
| gristle | $25.00 | $25.00 | 9/25/2009 8:47:35 AM |
| TennSquire | $25.00 | $25.00 | 9/25/2009 8:48:21 AM |
| monticello | $30.00 | $30.00 | 9/25/2009 8:48:26 AM |
| iceberg982362 | $25.00 | $25.00 | 9/25/2009 8:48:58 AM |
| Eagledrop | $25.00 | $25.00 | 9/25/2009 8:47:15 AM |
| nikgod | $25.00 | $25.00 | 9/25/2009 9:34:06 AM |
| chipperjohnson | $25.00 | $25.00 | 9/25/2009 8:49:35 AM |
| bruin558 | $50.00 | $50.00 | 9/25/2009 8:49:47 AM |
| tornandfrayed | $25.00 | $25.00 | 9/25/2009 8:48:45 AM |
| ALVO | $37.46 | $37.46 | 9/25/2009 8:49:21 AM |
| spsavage | $25.00 | $25.00 | 9/25/2009 8:51:59 AM |
| zbfamwl | $25.00 | $25.00 | 9/25/2009 8:49:56 AM |
| Winkyboy | $25.00 | $25.00 | 9/25/2009 9:39:40 AM |
| janicewill | $25.00 | $25.00 | 9/25/2009 8:50:22 AM |
| GreenBuilder247 | $25.00 | $25.00 | 9/25/2009 8:53:02 AM |
| smurf163 | $25.00 | $25.00 | 9/25/2009 8:50:41 AM |
| hyperchamp | $25.00 | $25.00 | 9/25/2009 8:50:47 AM |
| Darkjimson | $25.00 | $25.00 | 9/25/2009 8:51:15 AM |
| gilbow | $25.00 | $25.00 | 9/25/2009 8:51:48 AM |
| Gabriel02 | $25.00 | $25.00 | 9/25/2009 8:52:46 AM |
| ribbles | $50.00 | $50.00 | 9/25/2009 8:52:56 AM |
| Mymoney4loan | $25.00 | $25.00 | 9/25/2009 8:53:01 AM |
| geniusj | $25.00 | $25.00 | 9/25/2009 8:53:23 AM |
| mrfixerupper | $25.00 | $25.00 | 9/25/2009 8:54:33 AM |
| PitOfSuccess | $25.00 | $25.00 | 9/25/2009 9:35:47 AM |
| E-normous | $25.00 | $25.00 | 9/25/2009 9:34:59 AM |
| vinayski | $25.00 | $25.00 | 9/25/2009 12:48:17 PM |
| DadWarbucks | $27.73 | $27.73 | 9/25/2009 1:37:37 PM |
| IP | $36.92 | $36.92 | 9/25/2009 12:23:26 PM |
| abeprof70 | $25.00 | $25.00 | 9/25/2009 2:47:27 PM |
| Sol_Invictus | $25.00 | $25.00 | 9/26/2009 5:47:23 AM |
| ctgscott | $25.00 | $25.00 | 9/25/2009 4:49:46 PM |
| techgnostic | $25.00 | $25.00 | 9/26/2009 7:12:44 AM |
| victorcab | $35.00 | $35.00 | 9/25/2009 10:23:27 PM |
| highcountry1 | $25.00 | $25.00 | 9/26/2009 5:27:18 AM |
| SBT | $50.00 | $50.00 | 9/26/2009 10:13:14 AM |
| KVH | $25.00 | $25.00 | 9/27/2009 2:35:35 AM |
| lillian27 | $25.00 | $25.00 | 9/27/2009 12:42:04 PM |
| TechGuy2 | $25.00 | $25.00 | 9/28/2009 9:54:15 AM |
| InvestorPartners | $25.00 | $25.00 | 9/28/2009 1:07:31 AM |
| terrific-dedication | $25.00 | $25.00 | 9/28/2009 10:20:43 AM |
| capital-musician9 | $25.00 | $25.00 | 9/28/2009 11:39:42 AM |
| Macarro4 | $25.00 | $25.00 | 9/28/2009 8:37:15 AM |
| czar3 | $30.00 | $30.00 | 9/28/2009 9:34:34 AM |
| two_old_gals | $25.00 | $25.00 | 9/28/2009 1:52:09 PM |
| GS_Lending | $25.00 | $25.00 | 9/28/2009 2:07:16 PM |
| busybee007 | $25.00 | $25.00 | 9/28/2009 10:20:46 AM |
| 87Marc | $25.00 | $25.00 | 9/28/2009 11:12:05 AM |
| Buffer10 | $25.00 | $25.00 | 9/28/2009 12:58:32 PM |
| derec | $25.00 | $25.00 | 9/28/2009 5:00:34 PM |
| irrelevant | $25.00 | $25.00 | 9/28/2009 4:54:10 PM |
| Ananya | $25.00 | $25.00 | 9/28/2009 4:54:47 PM |
| icefish | $27.38 | $27.38 | 9/28/2009 5:41:57 PM |
| mizount | $25.00 | $25.00 | 9/28/2009 6:02:20 PM |
| CaboWaboRobo | $25.00 | $25.00 | 9/28/2009 6:37:09 PM |
| festeringsnot | $25.00 | $25.00 | 9/28/2009 5:06:12 PM |
| hc90474 | $25.00 | $25.00 | 9/28/2009 5:32:17 PM |
| decisive-capital | $50.00 | $50.00 | 9/28/2009 5:32:27 PM |
| davenyc | $25.00 | $25.00 | 9/28/2009 11:12:35 PM |
| Andersg | $25.00 | $25.00 | 9/28/2009 5:52:40 PM |
| freestyle624 | $25.00 | $25.00 | 9/28/2009 6:50:54 PM |
| nwagers | $25.00 | $25.00 | 9/28/2009 6:52:09 PM |
| gadget7 | $25.00 | $25.00 | 9/28/2009 7:19:53 PM |
| Rysterola82 | $25.00 | $25.00 | 9/28/2009 7:37:30 PM |
| Snowflake6515 | $25.00 | $25.00 | 9/29/2009 7:34:44 AM |
| MNMAN21 | $25.00 | $25.00 | 9/29/2009 8:03:18 AM |
| TommyTucker | $50.00 | $50.00 | 9/29/2009 8:43:00 AM |
| mentalsweat | $25.00 | $25.00 | 9/29/2009 10:04:35 AM |
| Goat | $40.15 | $40.15 | 9/29/2009 8:37:08 AM |
| seattleslug | $25.00 | $25.00 | 9/29/2009 9:59:10 AM |
| mmaurer | $30.00 | $30.00 | 9/29/2009 9:35:45 AM |
| ADIDASNO | $25.00 | $25.00 | 9/29/2009 12:59:47 PM |
| jtradition | $25.57 | $25.57 | 9/29/2009 10:54:27 AM |
| dollars4debts | $25.00 | $25.00 | 9/29/2009 2:12:00 PM |
| beyondmanagement | $25.00 | $25.00 | 9/29/2009 2:18:52 PM |
| colonel5 | $25.00 | $25.00 | 9/29/2009 11:03:07 AM |
| LOANMAN614 | $25.00 | $25.00 | 9/29/2009 2:26:58 PM |
| youngc | $25.00 | $25.00 | 9/29/2009 2:27:06 PM |
| bridgedoctor | $25.00 | $25.00 | 9/29/2009 2:27:12 PM |
| nej777 | $25.00 | $25.00 | 9/29/2009 2:27:18 PM |
| Quentin8002 | $25.00 | $25.00 | 9/29/2009 2:27:26 PM |
| pennyman | $25.00 | $25.00 | 9/29/2009 2:27:37 PM |
| unequaled-worth | $25.00 | $25.00 | 9/29/2009 2:27:44 PM |
| fdsguy | $50.00 | $50.00 | 9/29/2009 2:27:52 PM |
| nicklds | $25.00 | $25.00 | 9/29/2009 2:27:59 PM |
| divemaster | $25.00 | $25.00 | 9/29/2009 2:28:08 PM |
| sensible-trade | $25.00 | $25.00 | 9/29/2009 2:28:12 PM |
| Yankeehill | $25.00 | $25.00 | 9/29/2009 2:28:16 PM |
| thevogelfamily | $25.00 | $15.60 | 9/29/2009 2:28:36 PM |
| ladydaisy | $25.00 | $25.00 | 9/29/2009 11:49:14 AM |
| Whitewall | $48.45 | $48.45 | 9/29/2009 11:44:42 AM |
| carlover | $25.00 | $25.00 | 9/29/2009 12:02:01 PM |
| Lam0nt | $25.00 | $25.00 | 9/29/2009 1:07:34 PM |
| puifais | $25.00 | $25.00 | 9/29/2009 2:18:20 PM |
| capital-albatross | $25.00 | $25.00 | 9/29/2009 2:18:44 PM |
| OnyxLite | $25.00 | $25.00 | 9/29/2009 2:27:02 PM |
| TaraO | $25.00 | $25.00 | 9/29/2009 2:27:11 PM |
| buggzz | $25.00 | $25.00 | 9/29/2009 2:27:13 PM |
| flexible-value | $25.00 | $25.00 | 9/29/2009 2:27:17 PM |
| chicago1228 | $25.00 | $25.00 | 9/29/2009 2:27:23 PM |
| spike16 | $25.00 | $25.00 | 9/29/2009 2:27:32 PM |
| camaraderi-entrepreneur | $25.00 | $25.00 | 9/29/2009 2:27:34 PM |
| d3cotton | $25.00 | $25.00 | 9/29/2009 2:27:41 PM |
| tijuas90 | $25.00 | $25.00 | 9/29/2009 2:27:53 PM |
| MyKidsDad | $25.00 | $25.00 | 9/29/2009 2:27:56 PM |
| Patter256 | $25.00 | $25.00 | 9/29/2009 2:28:18 PM |
| goingplaces99 | $25.00 | $25.00 | 9/29/2009 2:18:57 PM |
| oldmora | $25.00 | $25.00 | 9/29/2009 2:19:10 PM |
| bazzer | $25.00 | $25.00 | 9/29/2009 2:27:08 PM |
| Proud2BAmerican | $25.00 | $25.00 | 9/29/2009 2:27:15 PM |
| evensteven | $25.00 | $25.00 | 9/29/2009 2:27:19 PM |
| moola-dojo | $25.00 | $25.00 | 9/29/2009 2:27:26 PM |
| a0z0ra | $50.00 | $50.00 | 9/29/2009 2:27:28 PM |
| DaveG56313 | $25.00 | $25.00 | 9/29/2009 2:27:38 PM |
| theaterguy | $25.00 | $25.00 | 9/29/2009 2:27:40 PM |
| Hexnut | $25.00 | $25.00 | 9/29/2009 2:27:51 PM |
| kkress | $25.00 | $25.00 | 9/29/2009 2:28:04 PM |
| charitycoon | $50.00 | $50.00 | 9/30/2009 12:23:06 AM |
| SSammy | $100.00 | $100.00 | 9/30/2009 8:38:57 PM |
| momentous-transaction8 | $100.00 | $100.00 | 10/1/2009 11:19:33 AM |
| vutah | $25.00 | $25.00 | 10/1/2009 10:22:55 PM |
| wwwUniversal | $25.00 | $25.00 | 10/1/2009 10:40:30 PM |
| Laima | $25.00 | $25.00 | 10/2/2009 8:16:32 PM |
| atlas100 | $50.00 | $50.00 | 10/3/2009 8:23:07 AM |
| AuroraRobbin | $50.00 | $50.00 | 10/3/2009 4:37:22 PM |
| GracieLuLu04 | $25.00 | $25.00 | 10/3/2009 6:11:39 PM |
| SFBank | $200.00 | $200.00 | 10/4/2009 4:33:14 PM |
| SCRUGZY | $25.00 | $25.00 | 10/5/2009 9:00:42 AM |
| ZOOOM | $25.00 | $25.00 | 10/5/2009 2:27:09 PM |
| 623 bids
|
Borrower Payment Dependent Notes Series
425617
This series of Notes was issued and sold upon the funding of the borrower loan #38995, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $8,000.00 |
Prosper Rating:
| AA |
Auction Duration:
| 14 days
|
|
Term:
| 36 months |
Estimated loss:
| 1.5% |
Auction start date:
| Sep-25-2009 |
| |
Auction end date:
| Oct-09-2009 |
|
|
Starting lender yield:
| 10.38% |
Starting borrower rate/APR:
| 11.38% / 11.73% |
Starting monthly payment:
| $263.35 |
|
Final lender yield:
| 8.27% |
Final borrower rate/APR:
| 9.27% / 9.61% |
Final monthly payment:
| $255.40 |
| |
|
Auction yield range:
| 3.27% - 10.38% |
Estimated loss impact:
| 1.50% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.77% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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:
| 8 |
First credit line:
| Aug-1999 |
Debt/Income ratio:
| 7% |
|
Credit score:
| 800-820 (Sep-2009) |
Current / open credit lines:
| 9
/
6 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 26 | Length of status: | 4y 9m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $3,544 |
Occupation: | Accountant/CPA |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 11% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 2 | | | | |
|
Screen name:
| meteoric-silver |
Borrower's state:
| Colorado |
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 credit card
Purpose of loan:
My wife and I did some home improvements last year and refinanced our home in Feb ?09 in order to take advantage of a 4.8% 30 year fixed rate mortgage (we paid closing costs out of pocket.) We?ve got about $10,000 in credit card debt left over from those things, and I thought I?d try out Prosper, to get a lower rate of interest while we pay this balance off over time.My financial situation:
I am a good candidate for this loan because:
We?ve got about $40,000 in cash and a good monthly net income, but it?s tied up in a house that we are fixing and flipping with my brother. We are set to sell it on Sept 30th, with a really good profit, and we plan to buy another fixer upper right away. The rate of return we get from doing fix and flips far outweighs credit card interest, so that?s why we?re not using our money to pay of the credit card as quickly. We?ve both got very stable jobs, and we always pay what we owe.
Monthly net income: $6,300
Monthly expenses: $?5,200
?Housing/Utilities $1,600
?Car Expense $500
?Household $500
?Groceries/Eating out $800
?Charity $600
?Vacations/entertainment/clothes $700
?Retirement $500
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| CULPEPPERGROUP | $25.00 | $25.00 | 9/25/2009 11:57:59 AM |
| ok | $25.00 | $25.00 | 9/25/2009 12:00:34 PM |
| investor_101 | $50.00 | $50.00 | 9/25/2009 12:00:45 PM |
| zento | $25.00 | $25.00 | 9/25/2009 5:33:31 PM |
| turbostar666 | $33.32 | $33.32 | 9/25/2009 9:02:21 PM |
| aqaq8877 | $100.00 | $100.00 | 9/28/2009 3:08:07 PM |
| gregggary | $50.97 | $50.97 | 9/28/2009 11:24:23 AM |
| jybank | $25.00 | $25.00 | 9/28/2009 12:51:06 PM |
| loanman2007 | $50.00 | $50.00 | 9/29/2009 1:33:20 PM |
| rce1964 | $25.00 | $25.00 | 9/29/2009 11:38:08 AM |
| yield-quest | $25.00 | $25.00 | 9/29/2009 12:47:44 PM |
| Gromac | $25.00 | $25.00 | 9/29/2009 8:26:53 PM |
| paintedposies | $50.00 | $50.00 | 9/30/2009 4:43:55 PM |
| Student_Capital | $50.00 | $50.00 | 9/30/2009 11:49:06 PM |
| Sarspatula | $25.00 | $25.00 | 10/1/2009 2:09:29 PM |
| SOP_Bank | $25.00 | $25.00 | 10/1/2009 4:11:44 PM |
| investmentgroup | $25.00 | $25.00 | 10/2/2009 3:56:58 AM |
| blue-relay | $25.00 | $25.00 | 10/2/2009 10:53:10 AM |
| junes08 | $50.00 | $50.00 | 10/2/2009 10:24:55 PM |
| buffalobills | $25.00 | $25.00 | 10/4/2009 10:25:38 AM |
| drkosh | $50.00 | $50.00 | 10/4/2009 12:23:41 PM |
| Tulalue | $25.00 | $25.00 | 10/5/2009 4:56:28 AM |
| HawaiianHelper | $100.00 | $100.00 | 10/5/2009 12:51:45 AM |
| Dollars4Rent | $25.00 | $25.00 | 10/5/2009 11:51:05 AM |
| JohnBanks | $25.00 | $25.00 | 10/5/2009 12:49:27 PM |
| LesPaul1 | $25.00 | $25.00 | 10/5/2009 3:28:49 PM |
| The-Lighthouse-Group | $25.00 | $25.00 | 10/6/2009 4:11:06 AM |
| Shinsen | $142.88 | $142.88 | 10/6/2009 12:00:44 PM |
| oldman1947 | $25.00 | $25.00 | 10/6/2009 3:29:23 PM |
| selo80 | $25.00 | $25.00 | 10/6/2009 6:44:33 PM |
| golffish2 | $500.00 | $500.00 | 10/7/2009 3:45:31 AM |
| FundMaker | $25.00 | $25.00 | 10/7/2009 10:59:32 AM |
| kulender | $50.00 | $50.00 | 10/7/2009 5:22:00 AM |
| IceFisherman | $100.00 | $100.00 | 10/7/2009 9:32:32 AM |
| macbeck22 | $45.63 | $45.63 | 10/7/2009 10:04:54 AM |
| ohmarkybaby | $25.00 | $25.00 | 10/7/2009 3:17:40 PM |
| knark | $25.00 | $25.00 | 10/7/2009 6:14:13 PM |
| hellasow | $25.00 | $25.00 | 10/7/2009 7:06:52 PM |
| BankofBadHabits | $25.00 | $25.00 | 10/7/2009 8:05:37 PM |
| brit11 | $25.00 | $25.00 | 10/7/2009 10:22:21 PM |
| sunnysally | $27.00 | $27.00 | 10/7/2009 7:15:40 PM |
| Mowine4me | $25.00 | $25.00 | 10/7/2009 8:08:02 PM |
| 4mydaughterseducation | $25.00 | $25.00 | 10/7/2009 5:55:15 PM |
| inventive-investment | $25.00 | $25.00 | 10/8/2009 4:53:39 AM |
| ChristopherHS | $25.00 | $25.00 | 10/7/2009 8:58:29 PM |
| AF-Chief | $35.75 | $35.75 | 10/7/2009 6:55:07 PM |
| wintersnowman | $25.00 | $25.00 | 10/7/2009 9:38:56 PM |
| dollarboy | $25.00 | $25.00 | 10/7/2009 11:34:43 PM |
| Uwantfunds | $25.00 | $25.00 | 10/8/2009 6:32:29 AM |
| jcar78 | $25.00 | $25.00 | 10/8/2009 8:13:23 AM |
| REITRUST | $25.00 | $25.00 | 10/8/2009 8:28:00 AM |
| BabiesMillion | $61.17 | $61.17 | 10/8/2009 2:38:51 PM |
| socal-lender | $25.00 | $25.00 | 10/8/2009 2:46:55 PM |
| BankofBeth | $50.00 | $50.00 | 10/8/2009 3:24:03 PM |
| whiterabbit1874 | $36.31 | $36.31 | 10/8/2009 4:32:28 PM |
| SS123 | $25.00 | $25.00 | 10/8/2009 5:21:39 PM |
| Dskillz | $27.00 | $27.00 | 10/8/2009 5:54:44 PM |
| DalCowboys | $50.00 | $50.00 | 10/8/2009 7:26:42 PM |
| oldman68 | $25.00 | $25.00 | 10/8/2009 6:48:32 PM |
| coolcoast | $50.00 | $50.00 | 10/8/2009 7:25:52 PM |
| Astyanax | $25.00 | $25.00 | 10/8/2009 6:23:01 PM |
| a2190b | $72.00 | $72.00 | 10/8/2009 8:12:46 PM |
| hidavehi | $60.00 | $60.00 | 10/8/2009 8:31:58 PM |
| c_flyer | $50.00 | $50.00 | 10/8/2009 9:13:19 PM |
| Mikale360 | $25.00 | $25.00 | 10/9/2009 6:36:43 AM |
| Redleg6 | $25.00 | $25.00 | 10/9/2009 4:37:27 AM |
| sunsetlending | $50.00 | $50.00 | 10/9/2009 4:58:53 AM |
| vinayski | $25.00 | $25.00 | 10/8/2009 8:11:13 PM |
| fatboy888 | $25.00 | $25.00 | 10/9/2009 5:35:56 AM |
| martymaniaman | $25.00 | $25.00 | 10/9/2009 6:35:26 AM |
| Feyenoord | $25.00 | $25.00 | 10/9/2009 6:35:33 AM |
| lendme2 | $92.47 | $92.47 | 10/9/2009 7:20:43 AM |
| Hey_Joe | $25.00 | $25.00 | 10/9/2009 8:40:10 AM |
| bossyboots01 | $25.00 | $25.00 | 10/9/2009 8:45:05 AM |
| OGS_Capital | $25.00 | $25.00 | 10/9/2009 8:51:07 AM |
| FG9YTR | $25.00 | $25.00 | 10/9/2009 6:41:44 AM |
| crazybunga | $25.00 | $25.00 | 10/9/2009 9:01:23 AM |
| sjvicker | $25.00 | $25.00 | 10/9/2009 9:18:31 AM |
| wealth-safehouse9 | $25.00 | $25.00 | 10/9/2009 5:10:54 AM |
| Bodyboard | $25.00 | $25.00 | 10/9/2009 9:24:19 AM |
| julijask | $25.00 | $13.72 | 10/9/2009 9:26:17 AM |
| financebob | $85.00 | $85.00 | 10/9/2009 5:18:59 AM |
| Radu43 | $25.00 | $25.00 | 10/9/2009 8:12:12 AM |
| northphoto | $25.00 | $25.00 | 10/9/2009 6:34:49 AM |
| scientists | $25.00 | $25.00 | 10/9/2009 10:36:54 AM |
| TheTimeIsNow | $25.00 | $25.00 | 10/9/2009 9:33:44 AM |
| -Angel-Investor- | $75.00 | $75.00 | 10/9/2009 11:20:08 AM |
| STLRacer | $25.00 | $25.00 | 10/9/2009 9:34:37 AM |
| octoberfresh | $25.00 | $25.00 | 10/9/2009 6:59:30 AM |
| johnpmid | $25.00 | $25.00 | 10/9/2009 7:37:29 AM |
| ronin4sale | $25.00 | $25.00 | 10/9/2009 10:11:23 AM |
| active-return | $25.00 | $25.00 | 10/9/2009 10:23:00 AM |
| Squawk | $26.82 | $26.82 | 10/9/2009 10:25:03 AM |
| techreseller | $50.00 | $50.00 | 10/9/2009 8:04:50 AM |
| mentalsweat | $25.00 | $25.00 | 10/9/2009 8:13:58 AM |
| danmanville01 | $25.00 | $25.00 | 10/9/2009 11:00:31 AM |
| jimduism | $289.25 | $289.25 | 10/9/2009 11:43:04 AM |
| jabberwockgee | $25.00 | $25.00 | 10/9/2009 9:58:24 AM |
| cippy | $100.00 | $100.00 | 10/9/2009 10:11:06 AM |
| coldfuzion | $58.34 | $58.34 | 10/9/2009 11:15:12 AM |
| turbospeed | $25.00 | $25.00 | 9/25/2009 12:00:29 PM |
| Syzygy | $25.00 | $25.00 | 9/25/2009 12:01:10 PM |
| blot44 | $50.00 | $50.00 | 9/25/2009 2:36:15 PM |
| justin323 | $25.00 | $25.00 | 9/25/2009 8:29:42 PM |
| payontime1 | $50.00 | $50.00 | 9/25/2009 6:14:04 PM |
| Photoman42 | $50.00 | $50.00 | 9/26/2009 11:33:01 AM |
| mcabery | $200.00 | $200.00 | 9/27/2009 9:18:08 PM |
| market-assembler | $50.00 | $50.00 | 9/28/2009 1:59:17 PM |
| Iwantahelp | $25.00 | $25.00 | 9/28/2009 5:04:08 PM |
| minista | $25.00 | $25.00 | 9/29/2009 12:53:11 PM |
| stonesculptor | $100.00 | $100.00 | 9/29/2009 11:50:56 AM |
| b1geasy | $25.00 | $25.00 | 9/30/2009 5:15:04 PM |
| building_community | $25.00 | $25.00 | 10/1/2009 2:15:03 AM |
| Gold_Coin | $25.00 | $25.00 | 10/1/2009 10:49:50 AM |
| dpfl55 | $25.00 | $25.00 | 10/2/2009 4:19:03 AM |
| LindaRicci | $25.00 | $25.00 | 10/3/2009 11:17:47 AM |
| McChan | $100.00 | $100.00 | 10/4/2009 4:33:59 PM |
| julijask | $25.00 | $25.00 | 10/5/2009 9:24:13 PM |
| TommyTucker | $50.00 | $50.00 | 10/5/2009 7:00:27 PM |
| Ryan13 | $35.00 | $35.00 | 10/5/2009 9:19:51 PM |
| springpanda | $50.00 | $50.00 | 10/5/2009 11:13:35 PM |
| HealthAndSafety | $50.00 | $50.00 | 10/6/2009 4:08:43 PM |
| Ven58 | $25.00 | $25.00 | 10/6/2009 4:54:55 PM |
| chrisb1414 | $25.00 | $25.00 | 10/6/2009 7:11:01 PM |
| gizmo65 | $25.00 | $25.00 | 10/6/2009 7:27:09 PM |
| surferracerskaterboy | $50.00 | $50.00 | 10/6/2009 7:36:07 PM |
| bkb7484 | $34.80 | $34.80 | 10/7/2009 4:21:30 AM |
| Share-the-wealth | $200.00 | $200.00 | 10/7/2009 7:09:15 AM |
| prainvestment | $50.00 | $50.00 | 10/7/2009 8:25:34 AM |
| Digs | $25.00 | $25.00 | 10/7/2009 10:26:59 AM |
| tranquil-power | $25.00 | $25.00 | 10/7/2009 3:11:18 PM |
| JerryB96 | $25.00 | $25.00 | 10/7/2009 11:42:41 AM |
| iruz | $40.00 | $40.00 | 10/7/2009 2:21:13 PM |
| NorthwestLoan1 | $50.00 | $50.00 | 10/7/2009 5:55:23 PM |
| credit-coach118 | $25.00 | $25.00 | 10/7/2009 9:01:14 PM |
| goldmanca | $25.00 | $25.00 | 10/7/2009 6:45:33 PM |
| vacation-funding | $25.00 | $25.00 | 10/7/2009 5:26:08 PM |
| bid-papyrus | $25.00 | $25.00 | 10/7/2009 5:26:36 PM |
| the-profit-oracle | $25.00 | $25.00 | 10/7/2009 9:03:03 PM |
| flshdaskll | $26.91 | $26.91 | 10/7/2009 6:26:52 PM |
| Banker3119 | $25.00 | $25.00 | 10/8/2009 6:31:16 AM |
| ScottFinance | $25.00 | $25.00 | 10/8/2009 8:08:23 AM |
| OoM | $25.00 | $25.00 | 10/8/2009 9:42:05 AM |
| betheanswer | $50.00 | $50.00 | 10/8/2009 9:46:02 AM |
| Furryone | $25.00 | $25.00 | 10/8/2009 10:59:04 AM |
| jetblack | $50.00 | $50.00 | 10/8/2009 11:31:12 AM |
| guardian3 | $25.00 | $25.00 | 10/8/2009 10:59:40 AM |
| All_Wins | $25.00 | $25.00 | 10/8/2009 11:13:04 AM |
| midifool | $25.00 | $25.00 | 10/8/2009 1:46:06 PM |
| nbah123 | $50.00 | $50.00 | 10/8/2009 3:08:11 PM |
| chops21 | $50.00 | $50.00 | 10/8/2009 3:16:45 PM |
| diverse-transparency | $50.00 | $50.00 | 10/8/2009 3:31:02 PM |
| Hogan55 | $25.53 | $25.53 | 10/8/2009 6:47:49 PM |
| outofoffice | $50.00 | $50.00 | 10/8/2009 7:37:46 PM |
| greenback-floret | $25.00 | $25.00 | 10/8/2009 5:19:26 PM |
| Anacomical | $43.48 | $43.48 | 10/8/2009 8:00:42 PM |
| drewdog365 | $25.00 | $25.00 | 10/8/2009 8:26:38 PM |
| gpuck | $25.00 | $25.00 | 10/8/2009 7:20:21 PM |
| CULPEPPERGROUP | $25.00 | $25.00 | 10/8/2009 9:03:45 PM |
| gothampark | $25.00 | $25.00 | 10/8/2009 9:22:17 PM |
| payout-magician | $50.00 | $50.00 | 10/8/2009 9:34:54 PM |
| impartial-deal | $50.00 | $50.00 | 10/8/2009 7:47:40 PM |
| gm93001 | $100.00 | $100.00 | 10/8/2009 7:59:59 PM |
| hokee | $50.00 | $50.00 | 10/9/2009 5:11:25 AM |
| vutah | $25.00 | $25.00 | 10/8/2009 11:24:42 PM |
| truth-candy | $25.00 | $25.00 | 10/8/2009 11:43:02 PM |
| buckyhead2000 | $25.00 | $25.00 | 10/9/2009 12:53:27 AM |
| bomdel | $25.00 | $25.00 | 10/9/2009 6:35:06 AM |
| icon7 | $25.00 | $25.00 | 10/9/2009 3:55:24 AM |
| the-rate-creature | $25.00 | $25.00 | 10/9/2009 6:39:03 AM |
| SomebodysMom | $100.00 | $100.00 | 10/8/2009 8:21:17 PM |
| JACJ | $25.00 | $25.00 | 10/9/2009 5:45:31 AM |
| kinetic-truth | $25.00 | $25.00 | 10/9/2009 6:34:13 AM |
| patriot384 | $50.00 | $50.00 | 10/9/2009 6:34:15 AM |
| Chuck54 | $25.00 | $25.00 | 10/9/2009 7:44:08 AM |
| CashBank | $25.00 | $25.00 | 10/9/2009 9:33:07 AM |
| Kash2010lu | $25.00 | $25.00 | 10/9/2009 7:58:19 AM |
| dharma1 | $50.00 | $50.00 | 10/9/2009 8:21:09 AM |
| catalystcf | $26.65 | $26.65 | 10/9/2009 9:47:24 AM |
| Ven58 | $25.00 | $25.00 | 10/9/2009 6:36:33 AM |
| ShowMeLender | $25.00 | $25.00 | 10/9/2009 6:47:20 AM |
| erowis | $50.00 | $50.00 | 10/9/2009 9:35:59 AM |
| UnknownSuperhero | $25.00 | $25.00 | 10/9/2009 11:26:21 AM |
| LoftyIdeals | $25.00 | $25.00 | 10/9/2009 11:43:43 AM |
| dbanwart | $50.00 | $50.00 | 10/9/2009 8:13:57 AM |
| oldrebel | $25.00 | $25.00 | 10/9/2009 11:33:38 AM |
| best-generosity-financier | $25.00 | $25.00 | 10/9/2009 11:45:12 AM |
| CAGE-Investments | $50.00 | $50.00 | 10/9/2009 11:47:16 AM |
| j352000 | $35.00 | $35.00 | 10/9/2009 10:43:33 AM |
| Mack_Inv | $50.00 | $50.00 | 10/9/2009 11:28:45 AM |
| wwwUniversal | $25.00 | $25.00 | 10/9/2009 11:46:56 AM |
| 191 bids
|
Borrower Payment Dependent Notes Series
425975
This series of Notes was issued and sold upon the funding of the borrower loan #38988, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $8,500.00 |
Prosper Rating:
| D |
Auction Duration:
| 14 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% |
Auction start date:
| Sep-28-2009 |
| |
Auction end date:
| Oct-12-2009 |
|
|
Starting lender yield:
| 30.22% |
Starting borrower rate/APR:
| 31.22% / 33.62% |
Starting monthly payment:
| $366.54 |
|
Final lender yield:
| 28.75% |
Final borrower rate/APR:
| 29.75% / 32.12% |
Final monthly payment:
| $359.68 |
| |
|
Auction yield range:
| 11.27% - 30.22% |
Estimated loss impact:
| 10.72% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 18.03% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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:
| 7 |
First credit line:
| Dec-1994 |
Debt/Income ratio:
| 22% |
|
Credit score:
| 720-740 (Sep-2009) |
Current / open credit lines:
| 15
/
9 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 26 | Length of status: | 1y 11m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $11,087 |
Occupation: | Computer Programmer |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 85% | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| kevin76 |
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.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 32 ( 100% )
| 720-740 (Latest)
|
|
Principal borrowed:
| $16,000.00 | < mo. late:
| 0
( 0% )
| 680-700
(Dec-2006)
|
|
Principal balance:
| $2,078.95 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 32 | | |
Description
Relist - Credit Card Payoff
Dear Potential Lender,
I am a 33 yr old Software Engineer and have been in this
profession going on 11 years.? I currently have 2 high rate credit
cards that I would like to payoff so that I can finally be debt free.?
I've tried working with the credit card companies to reduce the
interest rates but they have been unwilling so far.
I do take paying my debts off
seriously as I haven't opted to use any sort of debt consolidation
programs and am turning to the Prosper community for a second loan
since my first loan will be paid off in January of 2010.I've made online payments to Prosper for the last 3 years and take great satisfaction in being able to pay off my debts that I incurred in my early 20's.
Also let me say I am not sure why my prosper
rating is currently a D as they have my credit score listed between 720
- 740 but it may be due to the amount of balances I'm carrying on these
cards compared to the available limits.
I am single and have no children (just two dogs) but with the current rates of these cards I am finding it hard to pay them down.? I do own my house which I have lived in for 4 1/2 years and I purchased the house for $258,000 originally so.
Below are the credit cards I am going to pay off, which are my only 2 that have balances remaining:
Credit Cards to be paid off
??? Bank of America U-Promise??????? $2,797.76??????????? 28%
????Citibank Platinum Select ???? ????? $5,973.54??????????? 28%
My Monthly Net Income? (I have a full time job as well as own my own consulting company)
??? Salary????????$7,500????(90k annual salary)? $5,300 a month after taxes
My Monthly Obligations (besides gas, food & utilites)
????Mortgage???????????? ????$2100??? Prosper Loan ????????? $500? (last payment is Jan 2010)??? Auto Insurance???????? $125
Feel ?free to contact me if you have any questions about my profile or this loan request.
Thank you for taking the time to read this.?
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
State Farm Advantage $4,262.72 @ 28% So you already paid this one off since last listing? - karmanxten
A:
Yes I had received an unexpected bonus from work and used that to pay this credit card off.
(Sep-30-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| CA_Lender | $25.00 | $25.00 | 9/28/2009 4:19:04 PM |
| 101010 | $150.00 | $150.00 | 10/1/2009 7:42:04 AM |
| zento | $25.00 | $25.00 | 10/3/2009 8:52:14 PM |
| TaoPooh | $25.00 | $25.00 | 10/5/2009 5:35:33 AM |
| Eloise62 | $75.00 | $75.00 | 10/6/2009 7:55:12 AM |
| investment-cluster | $80.03 | $80.03 | 10/6/2009 5:50:52 PM |
| The_Loaner | $25.00 | $25.00 | 10/8/2009 2:49:04 PM |
| mercuriant | $25.00 | $25.00 | 10/8/2009 5:32:11 PM |
| BankofBeth | $50.00 | $50.00 | 10/9/2009 4:20:06 PM |
| mrreynol | $25.00 | $25.00 | 10/9/2009 4:13:36 PM |
| 113121 | $50.00 | $50.00 | 10/10/2009 1:28:58 PM |
| nickel-liberator | $100.00 | $100.00 | 10/10/2009 2:56:12 PM |
| poetic-economy | $50.00 | $50.00 | 10/11/2009 1:10:21 PM |
| whittlesey31 | $25.00 | $25.00 | 10/11/2009 9:16:12 AM |
| foothillender | $25.00 | $25.00 | 10/11/2009 10:03:01 AM |
| fjsquared | $340.00 | $340.00 | 10/11/2009 1:07:42 PM |
| spiff666 | $25.00 | $25.00 | 10/11/2009 3:37:25 PM |
| loanman2007 | $125.00 | $125.00 | 10/11/2009 4:41:50 PM |
| carmat60 | $50.00 | $50.00 | 10/12/2009 2:35:42 AM |
| lifelongreds | $50.00 | $50.00 | 10/12/2009 4:17:45 AM |
| flexible-economy2 | $100.00 | $100.00 | 10/11/2009 11:15:42 AM |
| 1traveler | $25.00 | $25.00 | 10/11/2009 10:15:41 PM |
| LendingHelper | $100.00 | $100.00 | 10/12/2009 8:23:33 AM |
| fulfilling-commitment | $100.00 | $100.00 | 10/12/2009 8:27:14 AM |
| Bobusa | $25.00 | $25.00 | 10/12/2009 10:43:14 AM |
| efficient-bid2 | $50.00 | $50.00 | 10/11/2009 7:57:02 PM |
| gm93001 | $400.00 | $400.00 | 10/11/2009 11:49:25 PM |
| kenL | $1,000.00 | $1,000.00 | 10/12/2009 9:41:43 AM |
| carmat60 | $50.00 | $50.00 | 10/12/2009 2:37:51 AM |
| efficient-bid2 | $25.00 | $25.00 | 10/12/2009 1:45:57 PM |
| fiscal_family | $25.00 | $25.00 | 10/12/2009 11:37:46 AM |
| johnpmid | $25.00 | $25.00 | 10/12/2009 12:40:59 PM |
| icon7 | $25.00 | $25.00 | 10/12/2009 2:16:44 PM |
| hillerod | $25.00 | $25.00 | 10/12/2009 2:27:32 PM |
| TheFamilyFund | $25.00 | $25.00 | 10/12/2009 1:17:34 PM |
| RedCentre | $227.70 | $227.70 | 10/12/2009 10:56:20 AM |
| LAKETIME | $25.00 | $25.00 | 10/12/2009 2:11:53 PM |
| fantasysports | $25.00 | $25.00 | 10/12/2009 3:19:07 PM |
| Credit2Prosper | $25.00 | $25.00 | 10/12/2009 2:33:56 PM |
| DMKAssetManagement | $200.00 | $200.00 | 10/12/2009 3:33:39 PM |
| FinanceEngine | $25.00 | $25.00 | 10/12/2009 2:54:53 PM |
| Skeptical-one | $100.00 | $64.76 | 10/12/2009 4:03:11 PM |
| reflective-rupee | $150.00 | $150.00 | 10/12/2009 3:52:25 PM |
| jybank | $50.00 | $50.00 | 10/12/2009 4:02:57 PM |
| RedCentre | $100.00 | $100.00 | 9/29/2009 12:21:16 PM |
| karmanxten | $250.00 | $250.00 | 9/30/2009 11:43:11 AM |
| JohnSmallberries | $25.00 | $25.00 | 10/1/2009 4:41:46 PM |
| fortytwo | $200.00 | $200.00 | 10/4/2009 1:49:30 PM |
| mattblizz | $150.00 | $150.00 | 10/4/2009 11:11:49 PM |
| gelt4u | $25.00 | $25.00 | 10/5/2009 10:44:35 AM |
| lasalle123 | $50.00 | $50.00 | 10/6/2009 7:42:26 AM |
| jpf27 | $100.00 | $100.00 | 10/6/2009 7:53:28 AM |
| shawnw2 | $35.00 | $35.00 | 10/6/2009 10:46:25 PM |
| wealth-pipeline | $25.00 | $25.00 | 10/7/2009 12:35:21 PM |
| Iceman1347 | $25.00 | $25.00 | 10/8/2009 9:51:03 AM |
| ZOOOM | $50.00 | $50.00 | 10/8/2009 2:13:43 PM |
| Gregger | $27.00 | $27.00 | 10/8/2009 9:06:48 PM |
| bstlndlrd207 | $125.00 | $125.00 | 10/9/2009 5:17:36 AM |
| productive-currency3 | $25.00 | $25.00 | 10/9/2009 7:22:16 PM |
| j5505 | $106.00 | $106.00 | 10/10/2009 6:32:49 AM |
| shawnw2 | $77.18 | $77.18 | 10/10/2009 6:56:50 AM |
| brilliant-balance | $25.00 | $25.00 | 10/9/2009 6:19:56 PM |
| shawnw2 | $99.22 | $99.22 | 10/10/2009 2:42:03 PM |
| Cromag | $25.00 | $25.00 | 10/10/2009 7:51:55 PM |
| flexible-economy2 | $100.00 | $100.00 | 10/10/2009 8:46:35 PM |
| cash2lendu | $50.00 | $50.00 | 10/10/2009 10:05:19 PM |
| chroman | $100.00 | $100.00 | 10/11/2009 7:11:18 AM |
| fireferd | $150.00 | $150.00 | 10/11/2009 3:49:42 PM |
| DannyPhantom | $50.00 | $50.00 | 10/11/2009 6:21:55 PM |
| Ven58 | $25.00 | $25.00 | 10/12/2009 1:41:56 AM |
| GreenGables | $25.00 | $25.00 | 10/12/2009 4:24:56 AM |
| shiny-dollar9 | $25.00 | $25.00 | 10/11/2009 7:32:31 AM |
| Feyenoord | $124.80 | $124.80 | 10/11/2009 11:39:00 AM |
| moola-berserker | $30.07 | $30.07 | 10/11/2009 10:45:44 PM |
| carmat60 | $100.00 | $100.00 | 10/12/2009 2:36:37 AM |
| ekmendenhall | $100.00 | $100.00 | 10/12/2009 6:52:34 AM |
| daekpon | $75.00 | $75.00 | 10/12/2009 11:55:02 AM |
| Kyileo | $50.00 | $50.00 | 10/12/2009 12:46:09 PM |
| shawnw2 | $28.30 | $28.30 | 10/12/2009 9:20:32 AM |
| crazybill | $25.00 | $25.00 | 10/12/2009 10:26:17 AM |
| maga | $25.00 | $25.00 | 10/12/2009 12:31:53 PM |
| martymaniaman | $61.21 | $61.21 | 10/12/2009 7:59:19 AM |
| skaught | $48.98 | $48.98 | 10/12/2009 9:05:46 AM |
| wealth-safehouse9 | $25.00 | $25.00 | 10/12/2009 2:37:14 PM |
| dudebrah | $25.00 | $25.00 | 10/12/2009 1:36:16 PM |
| Gobsek | $25.00 | $25.00 | 10/12/2009 2:48:26 PM |
| reflective-rupee | $150.00 | $150.00 | 10/12/2009 3:58:26 PM |
| Skeptical-one | $150.00 | $150.00 | 10/12/2009 4:03:27 PM |
| 113121 | $25.00 | $25.00 | 10/12/2009 3:23:14 PM |
| wealth-safehouse9 | $25.00 | $25.00 | 10/12/2009 3:46:57 PM |
| reflective-rupee | $500.00 | $500.00 | 10/12/2009 3:51:38 PM |
| best-generosity-financier | $50.00 | $50.00 | 10/12/2009 4:03:34 PM |
| plaudvr07 | $25.00 | $25.00 | 10/12/2009 2:52:47 PM |
| kindness-jedi | $150.00 | $150.00 | 10/12/2009 3:33:59 PM |
| RadarLuv | $25.00 | $25.00 | 10/12/2009 3:39:14 PM |
| vmh20035 | $49.75 | $49.75 | 10/12/2009 3:42:48 PM |
| reflective-rupee | $200.00 | $200.00 | 10/12/2009 3:52:00 PM |
| InAFoodComa | $200.00 | $200.00 | 10/12/2009 3:52:55 PM |
| 98 bids
|
Borrower Payment Dependent Notes Series
426531
This series of Notes was issued and sold upon the funding of the borrower loan #39006, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 14 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% |
Auction start date:
| Oct-01-2009 |
| |
Auction end date:
| Oct-15-2009 |
|
|
Starting lender yield:
| 28.45% |
Starting borrower rate/APR:
| 29.45% / 33.46% |
Starting monthly payment:
| $42.15 |
|
Final lender yield:
| 14.00% |
Final borrower rate/APR:
| 15.00% / 18.67% |
Final monthly payment:
| $34.67 |
| |
|
Auction yield range:
| 11.27% - 28.45% |
Estimated loss impact:
| 10.31% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 3.69% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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:
| 8 |
First credit line:
| Sep-2005 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 680-700 (Sep-2009) |
Current / open credit lines:
| 5
/
5 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 12 | Length of status: | 4y 4m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $273 |
Occupation: | Waiter/Waitress |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 27% | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 2 | | | | |
|
Screen name:
| Jalmeid3 |
Borrower's state:
| Massachusetts |
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:
| 1 / 1 |
On-time:
| 14 ( 100% )
| 680-700 (Latest)
|
|
Principal borrowed:
| $6,000.00 | < mo. late:
| 0
( 0% )
| 680-700
(Jul-2008)
|
|
Principal balance:
| $2,745.46 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 14 | | |
Description
Second prosper loan
Purpose of loan:
I have just graduated from an undergraduate program with a degree in Secondary English Education. As you all know, jobs are hard to come by these days and I haven't had any success in my job hunt for a full time teaching position. I did get accepted into substitute teaching position with great potential and am still bartending at the same restaurant that I've been at for almost 5 years. I would like to use this loan to help pay back some money that I've borrowed from family for my school finances (books, transportation, etc.) without having to worry if I don't get called in to substitute one week or the bar is slow the next. I would also like to take my boyfriend on a trip to an International Animation Festival in Canada because he just graduated with a degree in Animation and Illustration and this would help boost his chances at finding a job in his field.
My financial
situation:
I am a good candidate for this loan because I am a
bartender, waitress, and shift supervisor at a busy restaurant and
have been for almost 5 years. I have a second job as a substitute teacher and have been successfully paying off my other Prosper Loan and credit cards on time and with no problem. Both of my current jobs have the potential for increased benefits and pay in the coming months. For instance, a bar lead position is opening up and private tutoring is often an option with substitute teaching,
Monthly
net income: $ 1200 (average)
Monthly expenses: $
Housing: $525
Transportation: $50
Utilities: $
50
Phone, cable, internet: $ 100Credit cards and other loans: $ 250
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
Your monthly bills don't include a provision for food. How much do you spend on food a month? - wls31607
A:
I work in a restaurant and my boyfriend is in charge of groceries so my food cost per month is minimal, maybe $50 or so.
(Oct-09-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Flash80 | $50.00 | $50.00 | 10/10/2009 7:36:18 PM |
| FundMaker | $25.00 | $25.00 | 10/13/2009 6:44:42 PM |
| marwadi-62 | $50.00 | $50.00 | 10/14/2009 8:17:56 AM |
| Astyanax | $25.00 | $25.00 | 10/14/2009 6:10:50 PM |
| beaver0206 | $25.00 | $25.00 | 10/15/2009 7:25:19 AM |
| Cypher041 | $25.00 | $25.00 | 10/15/2009 10:16:51 AM |
| realtormoises | $25.00 | $25.00 | 10/15/2009 10:51:19 AM |
| bankar | $25.00 | $25.00 | 10/15/2009 2:08:06 PM |
| jybank | $25.00 | $25.00 | 10/15/2009 3:34:55 PM |
| dorypro | $25.00 | $25.00 | 10/15/2009 2:56:23 PM |
| Engineer44 | $25.00 | $25.00 | 10/15/2009 3:45:23 PM |
| dstolars | $25.00 | $25.00 | 10/14/2009 7:00:16 AM |
| niq4soccer | $25.00 | $25.00 | 10/14/2009 8:18:08 AM |
| d34dfish | $25.00 | $25.00 | 10/14/2009 11:08:51 AM |
| nickel-liberator | $150.00 | $150.00 | 10/14/2009 5:02:59 PM |
| Prezotus | $25.00 | $25.00 | 10/14/2009 6:35:54 PM |
| nashibaksi | $25.00 | $25.00 | 10/14/2009 6:07:58 PM |
| soilchem | $25.00 | $25.00 | 10/14/2009 6:33:38 PM |
| martymaniaman | $25.00 | $25.00 | 10/15/2009 7:34:49 AM |
| surferracerskaterboy | $50.00 | $50.00 | 10/15/2009 9:22:35 AM |
| dough-shooter | $41.18 | $41.18 | 10/15/2009 9:24:44 AM |
| maga | $25.00 | $25.00 | 10/15/2009 10:18:13 AM |
| Leshan | $100.00 | $100.00 | 10/15/2009 10:35:07 AM |
| generous-deal6 | $25.00 | $25.00 | 10/15/2009 11:35:47 AM |
| thegreatone | $100.00 | $33.82 | 10/15/2009 3:45:00 PM |
| hope-lionheart1 | $50.00 | $50.00 | 10/15/2009 1:16:44 PM |
| I_want_to_help_you | $25.00 | $25.00 | 10/15/2009 1:50:27 PM |
| 27 bids
|
Borrower Payment Dependent Notes Series
426543
This series of Notes was issued and sold upon the funding of the borrower loan #39008, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $13,000.00 |
Prosper Rating:
| A |
Auction Duration:
| 14 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction start date:
| Oct-01-2009 |
| |
Auction end date:
| Oct-15-2009 |
|
|
Starting lender yield:
| 12.33% |
Starting borrower rate/APR:
| 13.33% / 15.48% |
Starting monthly payment:
| $440.09 |
|
Final lender yield:
| 10.00% |
Final borrower rate/APR:
| 11.00% / 13.12% |
Final monthly payment:
| $425.60 |
| |
|
Auction yield range:
| 4.27% - 12.33% |
Estimated loss impact:
| 2.13% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.87% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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:
| 8 |
First credit line:
| Jul-2000 |
Debt/Income ratio:
| 35% |
|
Credit score:
| 760-780 (Oct-2009) |
Current / open credit lines:
| 7
/
7 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 32 | Length of status: | 1y 2m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $9,120 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 41% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| genesmitty |
Borrower's state:
| WestVirginia |
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:
| 1 / 1 |
On-time:
| 12 ( 100% )
| 760-780 (Latest)
|
|
Principal borrowed:
| $13,000.00 | < mo. late:
| 0
( 0% )
| 740-760
(Sep-2008)
|
|
Principal balance:
| $9,314.49 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 12 | | |
Description
Credit Card Consolidation
Purpose of loan:
This loan will be used to pay off mutlipe high interest credit cards and the remaining balance of my Car Loan,? which i am in the final year of payments for.
My financial situation:
I am a good candidate for this loan because, i've got good credit, and a solid job.?? I have been employed with the same company for?over 5 years, with 3 promotions/transfers in that time.? I am continuing my movement upward, and am on track to acheive executive status.??On top of my?stated income, i also?am now receiving rental income from the house that i own.?? My rental property sat vacant for 9 months, causing me to go deeper into debt while i waited for the economy to stabilize.??
I also plan on using my sizeable (projected) income tax return to make a large payment on this loan.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
Can you please list our your remaining debts? Thank you and good luck. - GoNoles06
A:
~$9000 existing prosper loan
~$6000 Credit Card
~$3000 Credit Card
~$5000 Auto Loan
~$27000 Student Loans
~$145000 Mortgage
I am receiving rental income from the mortgaged property.
I plan to use this prosper loan to pay the balance of my previous prosper loan, as well as a large chunk of my auto loan. This will free up a sizeable portion of my income for use in paying down my credit cards.
(Oct-05-2009)
Q:
What is the interest rate on your current Prosper loan? - fulfilling-commitment
A:
14.35
(Oct-15-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| DukSerduk | $25.00 | $25.00 | 10/1/2009 3:50:12 PM |
| sas19 | $25.00 | $25.00 | 10/1/2009 3:50:22 PM |
| snowman34 | $25.00 | $25.00 | 10/1/2009 3:50:25 PM |
| inventive-funds | $25.00 | $25.00 | 10/1/2009 3:50:39 PM |
| gracej | $25.00 | $25.00 | 10/1/2009 3:50:50 PM |
| platinum-sorcerer6 | $25.00 | $25.00 | 10/1/2009 3:50:54 PM |
| czar3 | $25.00 | $25.00 | 10/1/2009 3:51:11 PM |
| MONEYLENDER101 | $100.00 | $100.00 | 10/1/2009 3:51:22 PM |
| a-responsible-return | $25.00 | $25.00 | 10/1/2009 3:51:39 PM |
| Weaverville | $25.00 | $25.00 | 10/1/2009 3:50:07 PM |
| understanding-marketplace | $100.00 | $100.00 | 10/1/2009 3:50:18 PM |
| GatorBait | $50.00 | $50.00 | 10/1/2009 3:50:36 PM |
| gold-tsunami | $25.00 | $25.00 | 10/1/2009 3:50:21 PM |
| compoundinterest | $50.00 | $50.00 | 10/1/2009 3:50:43 PM |
| crenen139 | $50.00 | $50.00 | 10/1/2009 3:50:30 PM |
| degster | $25.00 | $25.00 | 10/1/2009 3:50:46 PM |
| djh47a | $40.00 | $40.00 | 10/1/2009 3:50:38 PM |
| Havana21 | $50.00 | $50.00 | 10/1/2009 3:50:50 PM |
| Moron_Buffet | $25.00 | $25.00 | 10/1/2009 3:50:55 PM |
| kegs | $100.00 | $100.00 | 10/1/2009 3:50:58 PM |
| larrybird | $95.00 | $95.00 | 10/1/2009 3:50:59 PM |
| transparency-giant | $50.00 | $50.00 | 10/1/2009 3:51:01 PM |
| Cai8899 | $25.00 | $25.00 | 10/1/2009 3:51:04 PM |
| thedreamer | $25.00 | $25.00 | 10/1/2009 3:51:04 PM |
| income-crescendo1 | $25.00 | $25.00 | 10/1/2009 3:51:12 PM |
| point-zebra | $25.00 | $25.00 | 10/1/2009 3:56:17 PM |
| credit-investor5 | $50.00 | $50.00 | 10/1/2009 3:56:34 PM |
| power-collider | $25.00 | $25.00 | 10/1/2009 4:00:00 PM |
| jga516 | $25.00 | $25.00 | 10/1/2009 4:34:48 PM |
| GhaChr | $25.00 | $25.00 | 10/1/2009 8:04:44 PM |
| icon7 | $25.00 | $25.00 | 10/1/2009 5:59:27 PM |
| don8ter | $60.00 | $60.00 | 10/1/2009 6:10:03 PM |
| All_Wins | $25.00 | $25.00 | 10/1/2009 6:54:39 PM |
| inventive-wealth2 | $25.00 | $25.00 | 10/1/2009 10:05:00 PM |
| Dazz2061 | $25.00 | $25.00 | 10/1/2009 7:35:01 PM |
| wise-repayment-kayak | $25.00 | $25.00 | 10/2/2009 6:14:42 AM |
| sjlnn | $50.00 | $50.00 | 10/1/2009 10:21:02 PM |
| generous-deal6 | $25.00 | $25.00 | 10/2/2009 3:54:28 AM |
| orange-resolute-platinum | $25.00 | $25.00 | 10/2/2009 3:59:47 AM |
| fllnstrnova | $25.00 | $25.00 | 10/2/2009 9:34:51 AM |
| bluesheep | $25.00 | $25.00 | 10/2/2009 11:24:49 AM |
| pawsitive | $25.00 | $25.00 | 10/2/2009 11:05:22 AM |
| blue-exuberant-economy | $25.00 | $25.00 | 10/2/2009 1:49:31 PM |
| FarBeyondDriven | $25.00 | $25.00 | 10/2/2009 2:10:12 PM |
| Cpay2Me | $25.00 | $25.00 | 10/2/2009 10:34:36 PM |
| Skady3love | $25.00 | $25.00 | 10/3/2009 7:49:36 AM |
| bot403 | $25.00 | $25.00 | 10/3/2009 8:24:40 AM |
| cowboyskier | $27.16 | $27.16 | 10/3/2009 11:04:32 AM |
| bronzmajom | $25.00 | $25.00 | 10/3/2009 5:19:58 PM |
| The_Loan_Ranger | $25.00 | $25.00 | 10/4/2009 7:49:30 AM |
| DonaldColorado | $25.00 | $25.00 | 10/4/2009 4:19:30 PM |
| jct_enterprises | $25.00 | $25.00 | 10/4/2009 3:01:00 PM |
| gauss02 | $25.00 | $25.00 | 10/4/2009 8:09:27 PM |
| reueljw | $25.00 | $25.00 | 10/4/2009 9:14:42 PM |
| AF-Chief | $35.00 | $35.00 | 10/5/2009 8:25:05 AM |
| winter-vigilance | $25.00 | $25.00 | 10/5/2009 9:34:59 AM |
| JohnBanks | $25.00 | $25.00 | 10/5/2009 1:01:29 PM |
| bowdish1 | $50.00 | $50.00 | 10/5/2009 12:09:41 PM |
| personal-lender | $25.00 | $25.00 | 10/5/2009 1:04:43 PM |
| testobsessed | $100.00 | $100.00 | 10/5/2009 3:28:12 PM |
| jgar_O | $30.00 | $30.00 | 10/5/2009 4:05:58 PM |
| lagnisiruk | $25.00 | $25.00 | 10/5/2009 4:54:20 PM |
| meux99 | $25.00 | $25.00 | 10/5/2009 4:54:04 PM |
| Kame | $25.00 | $25.00 | 10/5/2009 4:54:23 PM |
| Patrician | $50.00 | $50.00 | 10/5/2009 5:36:07 PM |
| sensational-kindness | $25.00 | $25.00 | 10/6/2009 9:31:32 AM |
| mdreiss | $25.00 | $25.00 | 10/6/2009 6:12:47 AM |
| freefly67 | $25.00 | $25.00 | 10/6/2009 8:56:13 AM |
| currency-persimmon | $25.00 | $25.00 | 10/6/2009 9:31:52 AM |
| 16888 | $50.00 | $50.00 | 10/6/2009 12:19:18 PM |
| szetheli | $50.00 | $50.00 | 10/6/2009 3:27:44 PM |
| tonomud | $25.00 | $25.00 | 10/6/2009 6:11:03 PM |
| DadWarbucks | $50.00 | $50.00 | 10/6/2009 4:55:26 PM |
| chrisb1414 | $25.00 | $25.00 | 10/6/2009 7:03:23 PM |
| chief_wo | $25.00 | $25.00 | 10/7/2009 3:46:27 AM |
| honorable-treasure | $25.00 | $25.00 | 10/7/2009 10:44:50 AM |
| LizzieMN | $25.00 | $25.00 | 10/7/2009 12:31:23 PM |
| BayShell | $38.01 | $38.01 | 10/7/2009 10:27:19 AM |
| superchicken | $25.00 | $25.00 | 10/7/2009 10:47:32 AM |
| JJS180 | $25.00 | $25.00 | 10/7/2009 11:21:11 AM |
| ClearLake | $25.00 | $25.00 | 10/7/2009 2:08:58 PM |
| FlexFunding | $82.90 | $82.90 | 10/7/2009 2:34:14 PM |
| well-mannered-income3 | $25.00 | $25.00 | 10/7/2009 5:17:14 PM |
| credit-coach118 | $25.00 | $25.00 | 10/7/2009 8:57:24 PM |
| credit-coach118 | $35.00 | $35.00 | 10/7/2009 5:56:52 PM |
| red-favorable-basis | $25.00 | $25.00 | 10/8/2009 7:21:18 AM |
| rmpedi33 | $50.00 | $50.00 | 10/8/2009 7:56:31 AM |
| Halos2002 | $50.00 | $50.00 | 10/8/2009 6:36:10 AM |
| spname | $25.00 | $25.00 | 10/8/2009 9:32:35 AM |
| Viamin | $25.00 | $25.00 | 10/8/2009 10:41:15 AM |
| Sixmil | $25.00 | $25.00 | 10/8/2009 10:51:15 AM |
| the-problem-solver | $52.01 | $52.01 | 10/8/2009 1:20:34 PM |
| brainy-dedication | $25.00 | $25.00 | 10/8/2009 12:51:38 PM |
| icefish | $38.47 | $38.47 | 10/8/2009 12:36:25 PM |
| seattleslug | $30.00 | $30.00 | 10/8/2009 2:16:08 PM |
| rdrloan | $25.00 | $25.00 | 10/8/2009 3:31:38 PM |
| cash-spinner | $25.00 | $25.00 | 10/8/2009 3:16:42 PM |
| Spyder7 | $100.00 | $100.00 | 10/8/2009 3:28:20 PM |
| trade-watcher | $25.00 | $25.00 | 10/8/2009 5:17:42 PM |
| slartibardfast | $30.00 | $30.00 | 10/8/2009 5:18:06 PM |
| Jassi | $25.00 | $25.00 | 10/8/2009 5:20:41 PM |
| unclejaef | $25.00 | $25.00 | 10/8/2009 10:21:22 PM |
| loanman2007 | $50.00 | $50.00 | 10/9/2009 5:23:30 AM |
| mcabery | $150.00 | $150.00 | 10/9/2009 2:45:25 AM |
| pipopirate | $25.00 | $25.00 | 10/9/2009 6:39:00 AM |
| Goodlender42 | $25.00 | $25.00 | 10/9/2009 6:39:39 AM |
| MasterJin | $25.00 | $25.00 | 10/9/2009 6:40:09 AM |
| NoVALending | $25.00 | $25.00 | 10/9/2009 6:13:48 AM |
| GElender | $50.00 | $50.00 | 10/9/2009 6:39:05 AM |
| rmachi | $25.00 | $25.00 | 10/9/2009 6:39:10 AM |
| cash-sensai2 | $25.00 | $25.00 | 10/9/2009 6:39:40 AM |
| nhm | $50.00 | $50.00 | 10/9/2009 6:40:39 AM |
| Tradesmanlender | $25.00 | $25.00 | 10/9/2009 4:29:14 AM |
| buffalobills | $25.00 | $25.00 | 10/9/2009 9:10:10 AM |
| kenyonhillbilly | $25.00 | $25.00 | 10/9/2009 6:36:35 AM |
| AP2PLender | $25.00 | $25.00 | 10/9/2009 6:39:06 AM |
| coolspeed | $25.00 | $25.00 | 10/9/2009 6:39:12 AM |
| BoutYeBank | $25.00 | $25.00 | 10/9/2009 6:39:21 AM |
| Railbird | $25.00 | $25.00 | 10/9/2009 6:39:32 AM |
| LoanGiver | $25.00 | $25.00 | 10/9/2009 6:39:47 AM |
| japper2353 | $25.00 | $25.00 | 10/9/2009 6:39:50 AM |
| philipandc | $25.00 | $25.00 | 10/9/2009 6:40:23 AM |
| anakinsolo | $25.00 | $25.00 | 10/9/2009 9:34:44 AM |
| johnsails | $25.47 | $25.47 | 10/9/2009 12:00:12 PM |
| eggzie | $25.00 | $25.00 | 10/9/2009 10:38:53 AM |
| diverse2 | $27.82 | $27.82 | 10/9/2009 11:44:01 AM |
| ElChico124 | $25.00 | $25.00 | 10/9/2009 12:07:39 PM |
| Sofar | $25.00 | $25.00 | 10/9/2009 3:15:53 PM |
| ctgscott | $25.00 | $25.00 | 10/9/2009 10:54:22 AM |
| dollars4debts | $25.00 | $25.00 | 10/9/2009 3:14:13 PM |
| CorporateT00l | $25.00 | $25.00 | 10/9/2009 4:07:40 PM |
| dumbass | $25.00 | $25.00 | 10/9/2009 10:03:46 PM |
| crossborders | $25.00 | $25.00 | 10/9/2009 9:48:50 PM |
| flexiboy35 | $25.00 | $25.00 | 10/9/2009 5:43:08 PM |
| inventive-investment | $25.00 | $25.00 | 10/10/2009 5:29:52 AM |
| lgs83 | $25.00 | $25.00 | 10/10/2009 10:58:46 AM |
| Coach2often | $50.00 | $50.00 | 10/10/2009 6:49:11 AM |
| slojudy | $25.00 | $25.00 | 10/9/2009 9:23:43 PM |
| inventive-exchange | $25.00 | $25.00 | 10/10/2009 12:29:49 PM |
| Marathoner | $25.00 | $25.00 | 10/10/2009 12:29:51 PM |
| KingCroesus | $25.00 | $25.00 | 10/11/2009 9:16:37 PM |
| nhloan | $25.00 | $25.00 | 10/11/2009 7:14:33 AM |
| coin-lender77 | $100.00 | $100.00 | 10/12/2009 3:52:59 AM |
| heretolendit | $40.00 | $40.00 | 10/12/2009 12:02:20 PM |
| welovebutterflies | $50.00 | $50.00 | 10/12/2009 2:08:55 PM |
| CAGE-Investments | $50.00 | $50.00 | 10/12/2009 2:42:39 PM |
| payout-magician | $50.00 | $50.00 | 10/12/2009 6:10:03 PM |
| G-Love | $100.00 | $100.00 | 10/12/2009 5:08:23 PM |
| TheBiggTree | $100.00 | $100.00 | 10/13/2009 5:59:30 AM |
| yenom | $25.00 | $25.00 | 10/13/2009 6:43:52 AM |
| truth-futurist | $50.00 | $50.00 | 10/13/2009 2:51:10 PM |
| icon7 | $25.00 | $25.00 | 10/13/2009 6:36:27 PM |
| IPlayOutsideTheBox | $25.00 | $25.00 | 10/14/2009 6:58:45 AM |
| TP | $25.00 | $25.00 | 10/14/2009 10:37:18 AM |
| ronin4sale | $25.00 | $25.00 | 10/14/2009 11:50:30 AM |
| ritwik | $100.00 | $100.00 | 10/14/2009 2:17:03 PM |
| bkb7484 | $25.00 | $25.00 | 10/14/2009 5:24:11 PM |
| AM2008 | $25.00 | $25.00 | 10/14/2009 5:39:46 PM |
| Econominator | $25.00 | $25.00 | 10/14/2009 5:23:05 PM |
| wild_carrot | $25.00 | $25.00 | 10/14/2009 5:38:10 PM |
| nocal_lender | $25.00 | $25.00 | 10/14/2009 6:08:30 PM |
| rbgnr111 | $25.00 | $25.00 | 10/14/2009 6:11:03 PM |
| Prezotus | $25.00 | $25.00 | 10/14/2009 6:33:45 PM |
| nashibaksi | $25.00 | $25.00 | 10/14/2009 6:08:39 PM |
| Gundu | $50.00 | $50.00 | 10/14/2009 7:46:34 PM |
| hope-lionheart1 | $75.00 | $75.00 | 10/14/2009 10:12:15 PM |
| jybank | $25.00 | $25.00 | 10/14/2009 10:34:02 PM |
| scloans | $25.00 | $25.00 | 10/15/2009 1:49:23 AM |
| MoneyForNothing | $25.00 | $25.00 | 10/15/2009 6:42:53 AM |
| Leshan | $100.00 | $100.00 | 10/15/2009 10:36:42 AM |
| erowis | $57.71 | $57.71 | 10/15/2009 10:53:59 AM |
| lowdown85 | $25.00 | $25.00 | 10/15/2009 10:50:54 AM |
| oldman68 | $25.00 | $25.00 | 10/15/2009 10:56:48 AM |
| mu50stang | $25.00 | $25.00 | 10/15/2009 12:09:27 PM |
| PrinceValium | $25.00 | $25.00 | 10/15/2009 12:24:13 PM |
| gustavholstopus32 | $25.00 | $25.00 | 10/15/2009 12:30:18 PM |
| doomsday18 | $25.00 | $25.00 | 10/15/2009 1:40:18 PM |
| OGS_Capital | $25.00 | $25.00 | 10/15/2009 12:35:31 PM |
| organic-platinum | $25.00 | $25.00 | 10/15/2009 2:41:42 PM |
| wealth-comet694 | $25.00 | $25.00 | 10/15/2009 2:47:32 PM |
| sixxpak | $32.59 | $32.59 | 10/15/2009 3:11:18 PM |
| akl_5277 | $27.71 | $27.71 | 10/15/2009 2:55:01 PM |
| DaveTheWave | $44.42 | $44.42 | 10/15/2009 2:58:04 PM |
| LAKETIME | $25.00 | $25.00 | 10/15/2009 2:59:56 PM |
| skuba | $50.00 | $50.00 | 10/1/2009 3:50:14 PM |
| elasermd | $50.00 | $50.00 | 10/1/2009 3:50:19 PM |
| kinetic-diversification | $50.00 | $50.00 | 10/1/2009 3:50:23 PM |
| kid8549 | $25.00 | $25.00 | 10/1/2009 3:50:56 PM |
| InvestorPartners | $25.00 | $25.00 | 10/1/2009 3:51:06 PM |
| bchen78875 | $50.00 | $50.00 | 10/1/2009 3:50:16 PM |
| Barak | $80.00 | $80.00 | 10/1/2009 3:50:32 PM |
| anton | $50.00 | $50.00 | 10/1/2009 3:50:37 PM |
| BlindProphet | $25.00 | $25.00 | 10/1/2009 3:50:41 PM |
| bazaar-tulip | $25.00 | $25.00 | 10/1/2009 3:50:28 PM |
| justice-dna | $25.00 | $25.00 | 10/1/2009 3:50:44 PM |
| j48 | $25.00 | $25.00 | 10/1/2009 3:50:34 PM |
| turbine5 | $40.00 | $40.00 | 10/1/2009 3:50:47 PM |
| SNH | $50.00 | $50.00 | 10/1/2009 3:50:48 PM |
| fortytwo | $200.00 | $200.00 | 10/1/2009 3:51:02 PM |
| hawker | $100.00 | $100.00 | 10/1/2009 3:51:15 PM |
| dealarella | $25.00 | $25.00 | 10/1/2009 3:51:21 PM |
| radiant-fund | $25.00 | $25.00 | 10/1/2009 3:51:23 PM |
| buckyhead2000 | $25.00 | $25.00 | 10/1/2009 3:51:45 PM |
| triumphant-community | $25.00 | $25.00 | 10/1/2009 3:56:37 PM |
| Cheburashka | $25.00 | $25.00 | 10/1/2009 3:56:40 PM |
| selector568 | $100.00 | $100.00 | 10/1/2009 3:56:50 PM |
| saffron4 | $25.00 | $25.00 | 10/1/2009 4:25:32 PM |
| TheMan | $25.00 | $25.00 | 10/1/2009 5:40:07 PM |
| adaptiveanimal | $25.00 | $25.00 | 10/1/2009 6:09:58 PM |
| pragmatic-contract | $25.00 | $25.00 | 10/1/2009 4:50:01 PM |
| toblerone | $25.00 | $25.00 | 10/1/2009 6:10:01 PM |
| crazybill | $25.00 | $25.00 | 10/1/2009 6:59:52 PM |
| Syzygy | $25.00 | $25.00 | 10/1/2009 7:30:35 PM |
| zone6 | $25.00 | $25.00 | 10/2/2009 3:54:29 AM |
| julijask | $25.00 | $25.00 | 10/2/2009 4:07:09 AM |
| busybee007 | $25.00 | $25.00 | 10/2/2009 5:59:25 AM |
| jdnyc | $25.00 | $25.00 | 10/2/2009 9:24:29 AM |
| Kelor99 | $25.00 | $25.00 | 10/2/2009 9:35:21 AM |
| radiant-cash | $100.00 | $100.00 | 10/2/2009 7:44:58 AM |
| ArmyGuy | $25.00 | $25.00 | 10/2/2009 10:24:30 AM |
| suicideducky | $25.00 | $25.00 | 10/2/2009 8:01:25 AM |
| SASBANK | $25.00 | $25.00 | 10/2/2009 8:41:18 AM |
| visionary-currency | $25.00 | $25.00 | 10/2/2009 8:59:40 AM |
| djc314 | $25.00 | $25.00 | 10/2/2009 9:54:25 AM |
| the-profit-oracle | $25.00 | $25.00 | 10/2/2009 10:54:49 AM |
| MidnightBank | $25.00 | $25.00 | 10/2/2009 11:32:47 AM |
| Gibbyland | $28.15 | $28.15 | 10/2/2009 12:04:36 PM |
| yachtmaster45 | $25.00 | $25.00 | 10/2/2009 1:36:20 PM |
| Davidson2 | $25.00 | $25.00 | 10/2/2009 1:49:50 PM |
| abidos | $25.00 | $25.00 | 10/2/2009 3:29:28 PM |
| kmwvma | $25.00 | $25.00 | 10/3/2009 7:17:31 AM |
| drcoop | $25.00 | $25.00 | 10/3/2009 10:51:42 AM |
| kulender | $25.00 | $25.00 | 10/3/2009 8:35:48 AM |
| honorable-yield | $50.00 | $50.00 | 10/3/2009 2:09:30 PM |
| lewislewis | $25.00 | $25.00 | 10/3/2009 10:34:32 AM |
| LendDoc | $25.00 | $25.00 | 10/3/2009 5:19:54 PM |
| Ragnar | $25.00 | $25.00 | 10/4/2009 6:09:32 PM |
| Copa16 | $25.00 | $25.00 | 10/4/2009 10:49:37 PM |
| loner001 | $25.00 | $25.00 | 10/5/2009 7:34:27 AM |
| Snowflake6515 | $25.00 | $25.00 | 10/5/2009 9:14:28 AM |
| twomonkeys3 | $25.00 | $25.00 | 10/5/2009 11:04:53 AM |
| KiwiElf | $30.00 | $30.00 | 10/5/2009 10:25:07 AM |
| danthemon35 | $25.00 | $25.00 | 10/5/2009 12:00:27 PM |
| jktravl | $25.00 | $25.00 | 10/5/2009 2:54:33 PM |
| aajwm | $50.00 | $50.00 | 10/5/2009 3:28:57 PM |
| neenerman | $25.00 | $25.00 | 10/5/2009 3:29:57 PM |
| financelover | $50.00 | $50.00 | 10/5/2009 4:00:07 PM |
| CULPEPPERGROUP | $25.00 | $25.00 | 10/5/2009 4:52:07 PM |
| the-dinero-samurai | $65.00 | $65.00 | 10/5/2009 6:17:18 PM |
| MissionMicroFinance | $50.00 | $50.00 | 10/5/2009 4:54:19 PM |
| JackAlbertson | $25.00 | $25.00 | 10/5/2009 7:42:09 PM |
| djs81 | $25.00 | $25.00 | 10/6/2009 6:42:28 AM |
| smallcountry | $25.00 | $25.00 | 10/6/2009 9:18:33 AM |
| radiant-fund | $25.00 | $25.00 | 10/6/2009 3:18:14 PM |
| Cherrypicker06 | $25.00 | $25.00 | 10/6/2009 2:20:04 PM |
| langdonx | $50.00 | $50.00 | 10/6/2009 4:43:58 PM |
| peace-cadence | $25.00 | $25.00 | 10/7/2009 1:58:05 AM |
| MGOT-Ken | $25.00 | $25.00 | 10/7/2009 10:09:47 AM |
| SnE | $25.00 | $25.00 | 10/7/2009 7:11:18 AM |
| Artist_Blue | $25.00 | $25.00 | 10/7/2009 11:52:11 AM |
| LittleMingo | $25.00 | $25.00 | 10/7/2009 12:16:57 PM |
| shadowflame_99 | $25.00 | $25.00 | 10/7/2009 3:14:34 PM |
| best-marketologist | $25.00 | $25.00 | 10/7/2009 5:58:31 PM |
| benroo | $25.00 | $25.00 | 10/7/2009 5:26:42 PM |
| Sid-K | $50.00 | $50.00 | 10/7/2009 5:26:56 PM |
| progressive-rupee | $25.00 | $25.00 | 10/8/2009 9:31:56 AM |
| ADenny | $25.00 | $25.00 | 10/8/2009 9:32:56 AM |
| passivesf | $25.00 | $25.00 | 10/8/2009 2:01:22 PM |
| discrete-asset | $25.00 | $25.00 | 10/8/2009 3:37:11 PM |
| Eagledrop | $25.00 | $25.00 | 10/8/2009 3:31:20 PM |
| Patter256 | $25.00 | $25.00 | 10/8/2009 5:17:51 PM |
| zeelender | $25.00 | $25.00 | 10/8/2009 5:18:11 PM |
| salala | $25.00 | $25.00 | 10/8/2009 5:19:58 PM |
| whiteshadow | $25.00 | $25.00 | 10/8/2009 5:17:37 PM |
| uncleegg | $25.00 | $25.00 | 10/8/2009 5:19:41 PM |
| longisland47m | $25.00 | $25.00 | 10/8/2009 5:20:19 PM |
| TK4 | $25.00 | $25.00 | 10/8/2009 5:20:37 PM |
| Landselott | $25.00 | $25.00 | 10/8/2009 4:41:03 PM |
| jt88 | $25.00 | $25.00 | 10/8/2009 5:17:50 PM |
| junes08 | $50.00 | $50.00 | 10/8/2009 7:36:25 PM |
| versatilenyguy | $50.00 | $50.00 | 10/9/2009 6:34:30 AM |
| newest-unique-integrity | $25.00 | $25.00 | 10/9/2009 6:38:59 AM |
| pulmdoc | $25.00 | $25.00 | 10/9/2009 6:39:07 AM |
| zeraphm | $25.00 | $25.00 | 10/9/2009 6:39:13 AM |
| QuinMccoy | $25.00 | $25.00 | 10/9/2009 6:39:17 AM |
| goofy15975 | $25.00 | $25.00 | 10/9/2009 6:39:38 AM |
| pseudokris | $25.00 | $25.00 | 10/9/2009 6:39:42 AM |
| seasportsguy | $25.00 | $25.00 | 10/9/2009 6:39:54 AM |
| kayakg | $25.00 | $25.00 | 10/9/2009 6:40:33 AM |
| geekguy | $25.00 | $25.00 | 10/9/2009 6:41:15 AM |
| bmbanzai | $25.00 | $25.00 | 10/9/2009 6:39:09 AM |
| Avala | $25.00 | $25.00 | 10/9/2009 6:39:30 AM |
| rjleves | $25.00 | $25.00 | 10/9/2009 6:40:03 AM |
| tsui517 | $25.00 | $25.00 | 10/9/2009 6:40:22 AM |
| mikeandcat | $50.00 | $50.00 | 10/9/2009 4:28:58 AM |
| BSr | $25.00 | $25.00 | 10/9/2009 4:43:52 AM |
| impartial-deal | $25.00 | $25.00 | 10/9/2009 5:04:07 AM |
| USMC0311 | $25.00 | $25.00 | 10/9/2009 9:24:10 AM |
| kayden | $25.00 | $25.00 | 10/9/2009 9:33:48 AM |
| SuperDoucheBag | $25.00 | $25.00 | 10/9/2009 6:01:05 AM |
| BigLinCT | $50.00 | $50.00 | 10/9/2009 7:59:07 AM |
| bayareainv | $50.00 | $50.00 | 10/9/2009 6:39:11 AM |
| rulender | $50.00 | $50.00 | 10/9/2009 6:39:19 AM |
| five-star-justice | $36.00 | $36.00 | 10/9/2009 6:39:37 AM |
| Castellan | $25.00 | $25.00 | 10/9/2009 6:40:04 AM |
| mizount | $25.00 | $25.00 | 10/9/2009 6:40:20 AM |
| rdextra | $25.00 | $25.00 | 10/9/2009 6:40:30 AM |
| Sigonio | $25.00 | $25.00 | 10/9/2009 11:03:30 AM |
| cheng | $25.00 | $25.00 | 10/9/2009 11:26:46 AM |
| BankOfFrankFairness | $31.22 | $31.22 | 10/9/2009 11:42:19 AM |
| excellent-greenback | $50.00 | $50.00 | 10/9/2009 2:32:42 PM |
| rose88 | $25.00 | $25.00 | 10/9/2009 9:39:41 AM |
| thedoctor | $25.00 | $25.00 | 10/9/2009 10:24:02 AM |
| keydet99 | $25.00 | $25.00 | 10/9/2009 3:17:30 PM |
| George2384 | $25.00 | $25.00 | 10/9/2009 11:55:14 AM |
| NATIVEBORN | $50.00 | $50.00 | 10/9/2009 12:23:54 PM |
| sparky1129 | $25.00 | $25.00 | 10/9/2009 12:58:44 PM |
| riversmoke | $25.00 | $25.00 | 10/10/2009 4:54:59 AM |
| yank918 | $25.00 | $25.00 | 10/10/2009 5:13:44 AM |
| shopzone | $25.00 | $25.00 | 10/9/2009 6:43:46 PM |
| Lendomatic | $25.00 | $25.00 | 10/10/2009 4:55:01 AM |
| Rendely | $25.00 | $25.00 | 10/10/2009 5:13:45 AM |
| virtualbank | $25.00 | $25.00 | 10/10/2009 5:18:47 AM |
| jcrew007 | $25.00 | $25.00 | 10/10/2009 6:58:43 AM |
| rudy510s | $50.00 | $50.00 | 10/10/2009 5:20:25 PM |
| 850 | $200.00 | $200.00 | 10/11/2009 10:52:21 PM |
| the-repayment-treaty | $38.00 | $38.00 | 10/12/2009 8:38:55 AM |
| MrGhost | $25.00 | $25.00 | 10/12/2009 12:44:21 PM |
| Grandmahoneybee | $50.00 | $50.00 | 10/12/2009 11:47:47 AM |
| interest-friendship | $25.00 | $25.00 | 10/12/2009 3:09:28 PM |
| GreenSolutionsOffshoreHoldings | $25.00 | $25.00 | 10/12/2009 3:59:15 PM |
| haryassman | $25.00 | $25.00 | 10/12/2009 3:43:13 PM |
| corndog4000 | $50.00 | $50.00 | 10/13/2009 12:34:01 AM |
| Easystreet | $25.00 | $25.00 | 10/13/2009 8:28:53 AM |
| jcquiroz | $50.00 | $50.00 | 10/13/2009 2:11:03 PM |
| Lender0307 | $25.00 | $25.00 | 10/13/2009 12:26:59 PM |
| OoM | $25.00 | $25.00 | 10/13/2009 1:46:07 PM |
| ManhattanLender | $25.00 | $25.00 | 10/13/2009 4:59:05 PM |
| sardarji | $25.00 | $25.00 | 10/13/2009 5:44:10 PM |
| JerryB96 | $25.00 | $25.00 | 10/13/2009 7:46:51 PM |
| the-silver-blaster | $100.00 | $100.00 | 10/14/2009 5:21:11 AM |
| awe-inspiring-power | $25.00 | $25.00 | 10/14/2009 5:40:45 AM |
| flwah | $25.00 | $25.00 | 10/14/2009 7:27:04 AM |
| kanakakm | $100.00 | $100.00 | 10/14/2009 7:08:15 AM |
| mcs99 | $50.00 | $9.03 | 10/14/2009 8:53:50 AM |
| ratzlefrss | $50.00 | $50.00 | 10/14/2009 2:42:03 PM |
| dist | $32.79 | $32.79 | 10/14/2009 2:15:16 PM |
| return-flamenco | $25.00 | $25.00 | 10/14/2009 5:38:48 PM |
| Moby | $50.00 | $50.00 | 10/14/2009 5:39:30 PM |
| shawnw2 | $50.00 | $50.00 | 10/14/2009 5:39:12 PM |
| gothampark | $25.00 | $25.00 | 10/14/2009 7:27:07 PM |
| engbusres | $100.00 | $100.00 | 10/14/2009 8:28:15 PM |
| momentous-coin | $50.00 | $50.00 | 10/14/2009 8:35:05 PM |
| maj0508 | $100.00 | $100.00 | 10/15/2009 7:28:18 AM |
| martymaniaman | $25.00 | $25.00 | 10/15/2009 7:35:08 AM |
| JJ-Loans | $49.75 | $49.75 | 10/15/2009 8:22:57 AM |
| Richmp412 | $25.00 | $25.00 | 10/15/2009 8:38:41 AM |
| Moots | $25.00 | $25.00 | 10/15/2009 9:18:34 AM |
| Rustang | $50.00 | $50.00 | 10/15/2009 9:14:00 AM |
| maga | $25.00 | $25.00 | 10/15/2009 10:19:42 AM |
| Floridagirl | $25.00 | $25.00 | 10/15/2009 10:27:13 AM |
| balance-force | $35.00 | $35.00 | 10/15/2009 11:03:58 AM |
| adl4628 | $25.00 | $25.00 | 10/15/2009 12:32:25 PM |
| albatross897 | $25.00 | $25.00 | 10/15/2009 11:53:39 AM |
| oldman1947 | $25.79 | $25.79 | 10/15/2009 1:25:16 PM |
| fulfilling-commitment | $100.00 | $100.00 | 10/15/2009 2:27:05 PM |
| micloans | $50.00 | $50.00 | 10/15/2009 12:40:27 PM |
| RETIRED2007 | $50.00 | $50.00 | 10/15/2009 3:44:26 PM |
| dorypro | $25.00 | $25.00 | 10/15/2009 2:57:13 PM |
| jessieb | $25.00 | $25.00 | 10/15/2009 2:38:45 PM |
| 370 bids
|
Borrower Payment Dependent Notes Series
329854
This series of Notes was issued and sold upon the funding of the borrower loan #39003, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,500.00 |
Prosper Rating:
| A |
Auction Duration:
| 14 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction start date:
| Sep-25-2009 |
| |
Auction end date:
| Oct-09-2009 |
|
|
Starting lender yield:
| 10.33% |
Starting borrower rate/APR:
| 11.33% / 13.45% |
Starting monthly payment:
| $82.24 |
|
Final lender yield:
| 7.90% |
Final borrower rate/APR:
| 8.90% / 10.99% |
Final monthly payment:
| $79.38 |
| |
|
Auction yield range:
| 4.27% - 10.33% |
Estimated loss impact:
| 2.12% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.78% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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:
| 9 |
First credit line:
| Mar-2005 |
Debt/Income ratio:
| 18% |
|
Credit score:
| 740-760 (Sep-2009) |
Current / open credit lines:
| 2
/
2 | Employment status: | Part-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 4 | Length of status: | 3y 11m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $1,199 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 21% | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| jcpballer |
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
Buy a Kawasaki Ninja ex250
Purpose of loan:
This loan will be used to pay back my father for the Kawasaki Ninja 250 used for transportation to and from college.
My financial situation:
I am a good candidate for this loan because I was educated at young age to pay and honor all my bills and ensure I have no debt. My parents cover all my bills (cell phone, car insurance, school, etc.) I have a credit card that I use for personal purchases that I pay off every month. I am a part-time worker and a full time student. I have no problem paying this loan. I am a responsible student that makes the honor roll and has never had any problems with school or with getting in trouble. The bike was already purchased and delivered to my home. I am signed up for the Evergreen Safety Council for novice riders so I can learn safety instructions on a motorcycle while receiving my motorcycle endorsement.
Information in the Description is not verified.
Friends And Family Winning Bids
PHANTOM4751 has bid a total of
$1,000.00 in winning bids.
friends and family winning bid
Information in Questions and Answers is not verified
Questions & Answers
Q:
what's your part time job? - Finspons
A:
Hey, sorry for the late reply. I am an interviewer and mentor at a market research firm located in Renton, WA. The name of the company is Pacific Market Research. The website for my company is listed below.
http://www.pacificmarketresearch.com/main.html
(Sep-26-2009)
Q:
What kind of safety gear have you purchased? - 12BNTheBlack
A:
I have an "ICON" full face helmet made of fiberglass that is both DOT and SNELL approved, leather gloves with carbon fiber protection around the knuckles made by AGV, an Alpine Star leather jacket with padding around shoulders and forearms, and I purchased an ICON spine protector vest.
(Oct-01-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| rce1964 | $25.00 | $25.00 | 9/29/2009 11:19:40 AM |
| stageactor | $25.00 | $25.00 | 10/2/2009 10:04:29 PM |
| junes08 | $50.00 | $50.00 | 10/2/2009 10:24:56 PM |
| marwadi-62 | $100.00 | $100.00 | 10/3/2009 11:15:23 AM |
| vtr1000 | $25.01 | $25.01 | 10/5/2009 8:19:56 AM |
| HealthAndSafety | $100.00 | $100.00 | 10/6/2009 4:17:19 PM |
| bkb7484 | $25.00 | $25.00 | 10/7/2009 4:15:34 AM |
| JerryB96 | $25.00 | $25.00 | 10/7/2009 11:42:01 AM |
| Snoopylover | $25.00 | $25.00 | 10/8/2009 11:26:26 AM |
| billquality | $201.20 | $201.20 | 10/9/2009 2:23:10 AM |
| Redleg6 | $25.00 | $25.00 | 10/9/2009 4:39:32 AM |
| PHANTOM4751 | $1,000.00 | $1,000.00 | 10/9/2009 5:40:46 AM |
| the-repayment-treaty | $35.00 | $35.00 | 10/9/2009 5:57:45 AM |
| NorthwestLoan1 | $25.00 | $25.00 | 10/9/2009 7:42:09 AM |
| generous-deal6 | $50.00 | $50.00 | 10/9/2009 7:19:01 AM |
| Waroen | $25.00 | $25.00 | 10/9/2009 9:40:29 AM |
| kf88 | $40.00 | $40.00 | 10/9/2009 8:39:31 AM |
| chrisb1414 | $25.00 | $25.00 | 10/9/2009 11:24:03 AM |
| sunnysally | $25.00 | $25.00 | 10/9/2009 7:44:16 AM |
| jobani | $50.00 | $50.00 | 10/9/2009 10:26:14 AM |
| best-generosity-financier | $25.00 | $23.79 | 10/9/2009 11:44:39 AM |
| wwwUniversal | $25.00 | $25.00 | 10/9/2009 11:46:15 AM |
| jybank | $25.00 | $25.00 | 10/9/2009 11:49:49 AM |
| buckyhead2000 | $25.00 | $25.00 | 10/3/2009 5:20:24 PM |
| loanman2007 | $50.00 | $50.00 | 10/4/2009 6:00:26 PM |
| Gandalf0001 | $25.00 | $25.00 | 10/6/2009 6:45:22 PM |
| kulender | $100.00 | $100.00 | 10/8/2009 7:11:59 AM |
| Student_Capital | $75.00 | $75.00 | 10/8/2009 7:15:11 PM |
| Anacomical | $25.00 | $25.00 | 10/8/2009 7:58:30 PM |
| fatboy888 | $25.00 | $25.00 | 10/9/2009 5:37:24 AM |
| OGS_Capital | $25.00 | $25.00 | 10/9/2009 8:50:35 AM |
| Mikale360 | $25.00 | $25.00 | 10/9/2009 6:33:01 AM |
| BR-549 | $25.00 | $25.00 | 10/9/2009 9:38:23 AM |
| Mack_Inv | $25.00 | $25.00 | 10/9/2009 11:23:20 AM |
| wealth-safehouse9 | $25.00 | $25.00 | 10/9/2009 6:52:32 AM |
| porwestco | $25.00 | $25.00 | 10/9/2009 9:10:04 AM |
| sorace | $50.00 | $50.00 | 10/9/2009 10:17:55 AM |
| 37 bids
|
Borrower Payment Dependent Notes Series
358218
This series of Notes was issued and sold upon the funding of the borrower loan #38989, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,500.00 |
Prosper Rating:
| C |
Auction Duration:
| 14 days
|
|
Term:
| 36 months |
Estimated loss:
| 6.5% |
Auction start date:
| Oct-02-2009 |
| |
Auction end date:
| Oct-16-2009 |
|
|
Starting lender yield:
| 20.06% |
Starting borrower rate/APR:
| 21.06% / 23.57% |
Starting monthly payment:
| $56.56 |
|
Final lender yield:
| 14.25% |
Final borrower rate/APR:
| 15.25% / 17.67% |
Final monthly payment:
| $52.18 |
| |
|
Auction yield range:
| 8.27% - 20.06% |
Estimated loss impact:
| 6.82% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.43% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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:
| 9 |
First credit line:
| Feb-1988 |
Debt/Income ratio:
| 15% |
|
Credit score:
| 640-660 (Oct-2009) |
Current / open credit lines:
| 1
/
1 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 30 | Length of status: | 2y 5m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $0 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 1 |
Bankcard utilization:
| 0% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| dbashaggy |
Borrower's state:
| Indiana |
Borrower's group:
| BORROWERS - Free instant Listings - 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.
Description
New computer to start business
Purpose of loan:
This loan will be used to? buy a new computer for home office to start a home business.? My previous computer, which I planned to use, just died.? I already do some buying and selling on eBay, but I want to get into affiliate marketing and traffic generation.? I have over ten years' experience on the internet, went through one period of online business attempt that failed but provided?a good learning experience, and now have a good plan to start up and gradually expand.
My financial situation:
I am a good candidate for this loan because? I have finally gotten my finances straightened out, though I still cannot, and will not, get any credit cards.? My expenses have been cut to the minimum.? I also am employed by a medical products company that is thriving, and I have little chance of losing my position.? Further, I have a small but building income of about $250-350 net per month from internet sources that I hope to expand, which is where the payment will come from for this loan.
Monthly net income: $ 3780
Monthly expenses: $ 3000
??Housing: $ 600
??Insurance: $?250
??Car expenses: $?200
??Utilities: $200
??Phone, cable, internet: $?150
??Food, entertainment: $ 400
??Clothing, household expenses $ 150
??Credit cards and other loans: $?900
??Other expenses: $150
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Unitas4302 | $50.00 | $50.00 | 10/6/2009 11:31:08 AM |
| Syzygy | $25.00 | $25.00 | 10/7/2009 1:04:07 PM |
| khamlagirl | $25.00 | $25.00 | 10/10/2009 1:54:28 PM |
| loanman2007 | $50.00 | $50.00 | 10/11/2009 4:46:14 PM |
| Gandalf0001 | $50.00 | $50.00 | 10/14/2009 3:21:14 PM |
| nashibaksi | $25.00 | $25.00 | 10/14/2009 6:09:59 PM |
| Astyanax | $25.00 | $25.00 | 10/14/2009 6:22:24 PM |
| maga | $25.00 | $25.00 | 10/15/2009 10:22:56 AM |
| juxtapose | $25.00 | $25.00 | 10/15/2009 6:51:46 PM |
| building_community | $25.00 | $25.00 | 10/16/2009 5:40:09 AM |
| jpsmith1981 | $111.72 | $111.72 | 10/16/2009 9:03:27 AM |
| RicheyRich | $25.00 | $25.00 | 10/16/2009 10:42:02 AM |
| REITRUST | $25.00 | $25.00 | 10/16/2009 11:21:44 AM |
| ronin4sale | $25.00 | $25.00 | 10/16/2009 11:38:48 AM |
| engbusres | $108.00 | $108.00 | 10/16/2009 12:46:19 PM |
| well-mannered-income3 | $25.00 | $25.00 | 10/16/2009 3:05:41 PM |
| Prezotus | $25.00 | $25.00 | 10/16/2009 2:53:05 PM |
| Mikale360 | $25.00 | $25.00 | 10/16/2009 3:54:02 PM |
| wwwUniversal | $25.00 | $25.00 | 10/16/2009 3:57:07 PM |
| jybank | $25.00 | $25.00 | 10/16/2009 4:08:41 PM |
| best-generosity-financier | $25.00 | $25.00 | 10/16/2009 4:10:08 PM |
| junes08 | $50.00 | $50.00 | 10/8/2009 9:34:39 AM |
| srthsvghdthtr | $25.00 | $25.00 | 10/8/2009 9:36:24 AM |
| outofoffice | $50.00 | $50.00 | 10/8/2009 7:44:17 PM |
| dudebrah | $25.00 | $25.00 | 10/12/2009 12:27:19 PM |
| MrGhost | $25.00 | $25.00 | 10/14/2009 4:29:17 PM |
| delivery | $25.00 | $25.00 | 10/15/2009 9:41:18 AM |
| jcw3rd | $25.00 | $25.00 | 10/15/2009 5:19:11 PM |
| Midg | $25.00 | $25.00 | 10/15/2009 5:38:13 PM |
| glenium | $25.00 | $25.00 | 10/16/2009 3:49:16 AM |
| the-profit-oracle | $25.00 | $25.00 | 10/16/2009 1:19:33 PM |
| Cashlender1992 | $25.00 | $25.00 | 10/16/2009 10:47:22 AM |
| Earn_money | $28.49 | $28.49 | 10/16/2009 1:48:57 PM |
| Leshan | $50.00 | $50.00 | 10/16/2009 12:28:07 PM |
| poolboy17 | $50.00 | $50.00 | 10/16/2009 2:36:48 PM |
| Bito03 | $28.21 | $28.21 | 10/16/2009 1:57:46 PM |
| scientists | $25.00 | $25.00 | 10/16/2009 2:40:34 PM |
| brightest-economy-tsunami | $25.00 | $25.00 | 10/16/2009 4:02:11 PM |
| Medic05 | $50.00 | $50.00 | 10/16/2009 3:36:59 PM |
| DackoDenk | $25.00 | $25.00 | 10/16/2009 3:39:19 PM |
| icon7 | $50.00 | $23.58 | 10/16/2009 4:09:24 PM |
| XayV03 | $100.00 | $100.00 | 10/16/2009 4:06:02 PM |
| 42 bids
|
Borrower Payment Dependent Notes Series
408112
This series of Notes was issued and sold upon the funding of the borrower loan #39011, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $5,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 14 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% |
Auction start date:
| Oct-06-2009 |
| |
Auction end date:
| Oct-15-2009 |
|
|
Starting lender yield:
| 30.98% |
Starting borrower rate/APR:
| 31.98% / 34.39% |
Starting monthly payment:
| $217.72 |
|
Final lender yield:
| 25.35% |
Final borrower rate/APR:
| 26.35% / 28.68% |
Final monthly payment:
| $202.39 |
| |
|
Auction yield range:
| 11.27% - 30.98% |
Estimated loss impact:
| 10.63% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.72% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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:
| 7 |
First credit line:
| Oct-1996 |
Debt/Income ratio:
| 4% |
|
Credit score:
| 700-720 (Oct-2009) |
Current / open credit lines:
| 2
/
1 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 7 | Length of status: | 7y 7m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $90 |
Occupation: | Construction |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 18% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 7 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| gonecribbin |
Borrower's state:
| Minnesota |
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
wife wants minivan :(
Purpose of loan:
Well the wife says the explorer is to small, she finally has me talked into a minivan...? Going to trade in the explorer and would like 5k to upgrade as much as possible...?
My financial situation:
My credit scores are 682, 668, 662....?? I could get financed locally, but have been a lender here on prosper for a while now and thought I would try the other side of the spectrum...? I know what its like to have non-paying borrowers, I will NOT be one of them....
Monthly net income: $ 4200
Monthly expenses: $ 1315
??Housing: $ 800
??Insurance: $ 140
??Car expenses: $ 120
??Utilities: $ 100
??Phone, cable, internet: $ 80
??Food, entertainment: $ 200
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 250
??Other expenses: $ 275
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| gracej | $25.00 | $25.00 | 10/6/2009 4:29:34 PM |
| snoopey100 | $25.00 | $25.00 | 10/6/2009 4:30:50 PM |
| SNH | $50.00 | $50.00 | 10/6/2009 4:31:01 PM |
| Halos2002 | $50.00 | $50.00 | 10/6/2009 4:31:08 PM |
| secobarbital | $25.00 | $25.00 | 10/6/2009 4:31:39 PM |
| delivery | $25.00 | $25.00 | 10/6/2009 4:31:44 PM |
| Mantis75 | $25.00 | $25.00 | 10/6/2009 4:31:56 PM |
| louisianalender | $100.00 | $100.00 | 10/6/2009 4:32:09 PM |
| p2ploan-lion | $25.00 | $25.00 | 10/6/2009 4:32:36 PM |
| InvestorPartners | $25.00 | $25.00 | 10/6/2009 4:29:45 PM |
| birddogsb | $50.00 | $50.00 | 10/6/2009 4:30:08 PM |
| lagnisiruk | $25.00 | $25.00 | 10/6/2009 4:30:54 PM |
| personal-lender | $25.00 | $25.00 | 10/6/2009 4:31:19 PM |
| seisen | $50.00 | $50.00 | 10/6/2009 4:31:31 PM |
| GMPK_TLAS | $25.00 | $25.00 | 10/6/2009 4:31:48 PM |
| Artist_Blue | $25.00 | $25.00 | 10/6/2009 4:29:16 PM |
| honorable-yield | $25.00 | $25.00 | 10/6/2009 4:33:35 PM |
| tsquared_030 | $25.00 | $25.00 | 10/6/2009 4:33:47 PM |
| spitzbergen | $25.00 | $25.00 | 10/6/2009 4:31:29 PM |
| anton | $25.00 | $25.00 | 10/6/2009 4:32:00 PM |
| Shepherd7 | $25.00 | $25.00 | 10/6/2009 4:32:07 PM |
| boghdan2000 | $25.00 | $25.00 | 10/6/2009 4:55:47 PM |
| firewomin | $25.00 | $25.00 | 10/6/2009 4:43:53 PM |
| PatRichi | $25.00 | $25.00 | 10/6/2009 4:44:01 PM |
| Havana21 | $100.00 | $100.00 | 10/6/2009 5:58:53 PM |
| zone8 | $25.00 | $25.00 | 10/6/2009 4:36:56 PM |
| Sateesh | $100.00 | $100.00 | 10/6/2009 4:55:59 PM |
| Dreams4Cash | $25.00 | $25.00 | 10/7/2009 8:51:13 AM |
| loanfairy | $25.00 | $25.00 | 10/7/2009 2:19:51 PM |
| poeman | $25.00 | $25.00 | 10/7/2009 6:01:12 PM |
| shiny-dollar9 | $25.00 | $25.00 | 10/7/2009 7:21:14 PM |
| Jonb6919 | $25.00 | $25.00 | 10/8/2009 5:06:07 AM |
| lcole32 | $35.00 | $35.00 | 10/8/2009 11:06:06 AM |
| larrybird | $95.00 | $95.00 | 10/8/2009 2:50:16 PM |
| UCLA4life | $25.00 | $25.00 | 10/8/2009 2:50:42 PM |
| red-favorable-basis | $25.00 | $25.00 | 10/8/2009 2:50:30 PM |
| jcfunder | $25.00 | $25.00 | 10/8/2009 3:52:54 PM |
| unequaled-credit7 | $25.00 | $25.00 | 10/8/2009 5:01:43 PM |
| Kaj | $25.00 | $25.00 | 10/8/2009 5:46:08 PM |
| Rogelio48 | $25.00 | $25.00 | 10/8/2009 6:21:22 PM |
| Hondo | $25.00 | $25.00 | 10/8/2009 7:46:24 PM |
| unclejaef | $25.00 | $25.00 | 10/8/2009 10:21:45 PM |
| NATIVEBORN | $25.00 | $25.00 | 10/9/2009 6:37:12 AM |
| AF_Trust | $25.00 | $25.00 | 10/9/2009 8:24:14 AM |
| nhi | $50.00 | $50.00 | 10/8/2009 11:09:24 PM |
| thrifty-return | $30.00 | $30.00 | 10/9/2009 11:09:05 AM |
| rhin0cerx | $50.00 | $50.00 | 10/9/2009 11:09:09 AM |
| zeelender | $25.00 | $25.00 | 10/9/2009 8:24:13 AM |
| SDNLR | $25.00 | $25.00 | 10/9/2009 4:08:22 PM |
| samo102us | $25.00 | $25.00 | 10/9/2009 5:43:32 PM |
| the-profit-oracle | $25.00 | $25.00 | 10/9/2009 5:25:02 PM |
| natecam | $25.00 | $25.00 | 10/9/2009 5:40:50 PM |
| Brainworm | $25.00 | $25.00 | 10/9/2009 5:43:38 PM |
| lostontheedge | $25.00 | $25.00 | 10/10/2009 12:39:14 AM |
| revenue-achievement | $25.00 | $25.00 | 10/10/2009 6:33:53 PM |
| money-vista | $25.00 | $25.00 | 10/11/2009 11:44:26 AM |
| Ananya | $25.00 | $25.00 | 10/10/2009 9:58:59 PM |
| Papa_Mema | $48.08 | $48.08 | 10/11/2009 4:48:59 PM |
| mdf | $50.00 | $50.00 | 10/11/2009 7:38:54 PM |
| LAM26 | $25.00 | $25.00 | 10/11/2009 4:48:57 PM |
| rmachi | $25.00 | $25.00 | 10/11/2009 4:49:16 PM |
| CPAMAN | $25.00 | $25.00 | 10/12/2009 7:59:02 AM |
| nicklds | $25.00 | $25.00 | 10/12/2009 11:54:11 AM |
| baconguy | $25.00 | $25.00 | 10/12/2009 1:38:44 PM |
| benroo | $25.00 | $25.00 | 10/12/2009 10:54:52 AM |
| jpreal | $25.00 | $25.00 | 10/12/2009 12:45:29 PM |
| dbluesea | $25.00 | $25.00 | 10/12/2009 7:59:01 AM |
| dparkhom | $25.00 | $25.00 | 10/12/2009 1:35:32 PM |
| jlr613 | $25.00 | $25.00 | 10/12/2009 2:24:14 PM |
| Sixmil | $25.00 | $25.00 | 10/12/2009 2:41:08 PM |
| attractive-fund | $25.00 | $25.00 | 10/12/2009 5:22:25 PM |
| beezling | $52.00 | $52.00 | 10/12/2009 3:09:17 PM |
| head | $25.00 | $25.00 | 10/12/2009 7:43:47 PM |
| aFro | $25.00 | $23.09 | 10/13/2009 2:15:02 AM |
| Darkjimson | $25.00 | $25.00 | 10/12/2009 8:05:30 PM |
| flwah | $25.00 | $25.00 | 10/13/2009 12:08:43 AM |
| p2ploan-bliss | $25.00 | $25.00 | 10/12/2009 8:54:08 PM |
| jeromeyuan | $25.00 | $25.00 | 10/13/2009 12:59:18 AM |
| Gaelicman | $100.00 | $100.00 | 10/13/2009 1:37:22 PM |
| reflective-rupee | $25.00 | $25.00 | 10/13/2009 2:42:18 PM |
| rapid-power2 | $25.00 | $25.00 | 10/6/2009 4:29:49 PM |
| jonn834 | $25.00 | $25.00 | 10/6/2009 4:30:03 PM |
| slcchad | $25.00 | $25.00 | 10/6/2009 4:31:51 PM |
| blue-exuberant-economy | $25.00 | $25.00 | 10/6/2009 4:33:13 PM |
| icon7 | $25.00 | $25.00 | 10/6/2009 4:31:38 PM |
| heroic-benefit | $25.00 | $25.00 | 10/6/2009 4:32:17 PM |
| wildguy | $25.00 | $25.00 | 10/6/2009 4:28:21 PM |
| deal-secret-agent | $25.00 | $25.00 | 10/6/2009 4:32:23 PM |
| thedreamer | $25.00 | $25.00 | 10/6/2009 4:30:40 PM |
| CarDealer3070 | $30.00 | $30.00 | 10/6/2009 4:30:45 PM |
| visionary-currency | $25.00 | $25.00 | 10/6/2009 4:31:07 PM |
| drg6289 | $25.00 | $25.00 | 10/6/2009 4:31:15 PM |
| Savings_EQ_Dignity | $25.00 | $25.00 | 10/6/2009 4:34:33 PM |
| treasure-bliss | $50.00 | $50.00 | 10/6/2009 4:32:18 PM |
| capital-galaxy | $75.00 | $75.00 | 10/6/2009 4:36:54 PM |
| fcb202 | $25.00 | $25.00 | 10/6/2009 4:32:35 PM |
| leverage-trident | $25.00 | $25.00 | 10/6/2009 4:34:04 PM |
| bazaar-tulip | $25.00 | $25.00 | 10/6/2009 4:34:49 PM |
| Phantom99 | $25.00 | $25.00 | 10/6/2009 10:38:26 PM |
| KiwiElf | $25.00 | $25.00 | 10/7/2009 10:20:44 AM |
| capital-albatross | $25.00 | $25.00 | 10/7/2009 3:22:18 PM |
| bronzmajom | $25.00 | $25.00 | 10/8/2009 1:16:23 AM |
| noble-revenue | $50.00 | $50.00 | 10/7/2009 9:01:09 PM |
| Slowtype | $25.00 | $25.00 | 10/8/2009 11:54:30 AM |
| draggon77 | $25.00 | $25.00 | 10/8/2009 12:20:09 PM |
| cash-tiramisu | $250.00 | $250.00 | 10/8/2009 2:50:21 PM |
| runner262 | $25.00 | $25.00 | 10/8/2009 2:50:40 PM |
| TEAM-Jasper | $25.00 | $25.00 | 10/8/2009 12:04:45 PM |
| saffron4 | $25.00 | $25.00 | 10/8/2009 2:50:22 PM |
| remey | $25.00 | $25.00 | 10/8/2009 3:16:16 PM |
| MidnightBank | $25.00 | $25.00 | 10/9/2009 6:37:16 AM |
| payout-magician | $50.00 | $50.00 | 10/8/2009 9:46:18 PM |
| goofy15975 | $25.00 | $25.00 | 10/9/2009 12:31:10 PM |
| ChrisTJ | $25.00 | $25.00 | 10/9/2009 10:20:54 AM |
| skro | $25.00 | $25.00 | 10/9/2009 5:40:44 PM |
| impressive-loan | $100.00 | $100.00 | 10/9/2009 5:41:17 PM |
| MicroPod | $25.00 | $25.00 | 10/9/2009 5:41:34 PM |
| selfmademan | $25.00 | $25.00 | 10/9/2009 5:41:50 PM |
| KevinC_63366 | $25.00 | $25.00 | 10/9/2009 6:25:54 PM |
| payout-comet | $25.00 | $25.00 | 10/9/2009 6:33:55 PM |
| uncleegg | $25.00 | $25.00 | 10/10/2009 5:14:11 AM |
| NewTouchAssociateLLC | $25.00 | $25.00 | 10/10/2009 6:54:15 AM |
| SNL_Svs | $25.00 | $25.00 | 10/9/2009 5:41:36 PM |
| kegs | $100.00 | $100.00 | 10/9/2009 5:41:40 PM |
| YQQ | $25.00 | $25.00 | 10/9/2009 5:41:56 PM |
| yomanie | $25.00 | $25.00 | 10/9/2009 5:43:41 PM |
| derec | $25.00 | $25.00 | 10/10/2009 11:04:05 AM |
| testobsessed | $36.83 | $36.83 | 10/10/2009 7:53:57 AM |
| catomaior | $25.00 | $25.00 | 10/10/2009 11:14:01 AM |
| Prezotus | $25.00 | $25.00 | 10/10/2009 8:22:09 AM |
| teejay411 | $100.00 | $100.00 | 10/10/2009 3:12:39 PM |
| munro | $25.00 | $25.00 | 10/11/2009 6:52:14 PM |
| JDFuego | $25.00 | $25.00 | 10/11/2009 4:48:58 PM |
| mathprof | $25.00 | $25.00 | 10/12/2009 7:59:00 AM |
| crenen139 | $25.00 | $25.00 | 10/12/2009 10:54:50 AM |
| unk1911 | $25.00 | $25.00 | 10/12/2009 1:09:54 PM |
| blackballplayer | $25.00 | $25.00 | 10/12/2009 3:24:01 PM |
| Wangersinc | $25.00 | $25.00 | 10/12/2009 1:44:30 PM |
| GreenSolutionsOffshoreHoldings | $25.00 | $25.00 | 10/12/2009 3:45:28 PM |
| VBAces | $25.00 | $25.00 | 10/12/2009 2:44:58 PM |
| b-rent | $25.00 | $25.00 | 10/12/2009 4:09:26 PM |
| bid-papyrus | $25.00 | $25.00 | 10/12/2009 3:31:44 PM |
| shopzone | $50.00 | $50.00 | 10/12/2009 5:54:31 PM |
| integrity-spilunker | $25.00 | $25.00 | 10/12/2009 6:18:55 PM |
| dextro | $25.00 | $25.00 | 10/12/2009 10:24:01 PM |
| wwwUniversal | $25.00 | $25.00 | 10/13/2009 12:59:04 AM |
| get30inc | $25.00 | $25.00 | 10/13/2009 12:04:22 AM |
| analog4 | $25.00 | $25.00 | 10/13/2009 10:42:07 AM |
| inforapenny | $25.00 | $25.00 | 10/13/2009 2:39:09 PM |
| icon7 | $25.00 | $25.00 | 10/14/2009 11:49:06 AM |
| goldlender | $25.00 | $25.00 | 10/15/2009 12:40:14 AM |
| 151 bids
|
Borrower Payment Dependent Notes Series
424416
This series of Notes was issued and sold upon the funding of the borrower loan #38992, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $5,000.00 |
Prosper Rating:
| A |
Auction Duration:
| 14 days
|
|
Term:
| 36 months |
Estimated loss:
| 2.1% |
Auction start date:
| Sep-17-2009 |
| |
Auction end date:
| Oct-01-2009 |
|
|
Starting lender yield:
| 11.33% |
Starting borrower rate/APR:
| 12.33% / 14.47% |
Starting monthly payment:
| $166.86 |
|
Final lender yield:
| 9.09% |
Final borrower rate/APR:
| 10.09% / 12.20% |
Final monthly payment:
| $161.55 |
| |
|
Auction yield range:
| 4.27% - 11.33% |
Estimated loss impact:
| 2.12% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.97% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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:
| 9 |
First credit line:
| Jun-2003 |
Debt/Income ratio:
| 4% |
|
Credit score:
| 760-780 (Sep-2009) |
Current / open credit lines:
| 6
/
6 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 8 | Length of status: | 1y 8m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $1,222 |
Occupation: | Accountant/CPA |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 0% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| BeautyofMoney |
Borrower's state:
| Maryland |
Borrower's group:
| Investors and Entrepeneurs |
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
Inventory for Dollar Store
Please visit this link for a more detailed description. Detailed Description
Purpose of loan:
This loan will be used to purchase inventory for a dollar store that I am
buying in the DC/MD/VA metropolitan area. Since
its name is so generic, it?s very similar to a franchise. When the store
opens, people already know what?s in there. So, you get customers on day
one! I will manage this place
after work and my brother will manage it while I am at work. My financial situation:
I am a good candidate for this loan because I have an excellent credit score
and I have never been late on a payment.? I
chose to live at home with my parents instead of renting an apartment with
friends because I wanted to save money to buy a business.? I have NO expenses.
I live at home and my parents bought me the car I use. I would like to mention that I don't even
need a loan because I have mutual funds that sum up to 31,000 at this very
moment. I just don?t want to sell them because they have taken a loss
from the market and I am waiting for it to go back up to par value.
Please message me if you would like to see a snapshot of my mutual funds
summary total. If everything goes wrong and I
fail, I will still be able to make payments using my salary or I can sell my
mutual funds to make payments. Income:
Yearly Salary: 58,000
Yearly bonus: 5000Total income: $63,000Expenses:
books/tv/entertainment: 200/monthTotal Expenses: 200/month
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| turbospeed | $25.00 | $25.00 | 9/17/2009 4:52:13 PM |
| Stek7 | $25.00 | $25.00 | 9/18/2009 1:51:36 AM |
| Syzygy | $25.00 | $25.00 | 9/18/2009 12:05:08 PM |
| OoM | $25.00 | $25.00 | 9/18/2009 2:14:06 PM |
| RandyL3 | $44.04 | $44.04 | 9/18/2009 7:51:13 PM |
| rjglender | $25.00 | $25.00 | 9/19/2009 6:12:14 AM |
| oldman1947 | $25.00 | $25.00 | 9/19/2009 12:25:56 PM |
| littlemonkey | $25.00 | $25.00 | 9/20/2009 10:59:42 AM |
| poolboy17 | $25.00 | $25.00 | 9/20/2009 9:05:28 AM |
| sprinkler5 | $25.00 | $25.00 | 9/20/2009 6:38:50 PM |
| credit-magician | $300.00 | $300.00 | 9/22/2009 9:10:53 AM |
| Rockymtnhi | $28.50 | $28.50 | 9/23/2009 1:04:10 PM |
| rce1964 | $25.00 | $25.00 | 9/24/2009 10:27:32 AM |
| tenchi2777 | $25.00 | $25.00 | 9/24/2009 8:38:00 AM |
| GreenHill | $25.22 | $25.22 | 9/24/2009 12:26:08 PM |
| BONSAY | $75.00 | $75.00 | 9/24/2009 5:52:31 PM |
| BONSAY | $50.00 | $50.00 | 9/24/2009 5:52:56 PM |
| milo77 | $50.00 | $50.00 | 9/25/2009 7:13:18 AM |
| TechieLender | $103.80 | $103.80 | 9/25/2009 1:47:54 PM |
| RiskAdverse | $25.00 | $25.00 | 9/25/2009 7:30:00 PM |
| Mathusalum | $100.00 | $100.00 | 9/27/2009 8:29:07 PM |
| Shanester | $25.00 | $25.00 | 9/28/2009 8:09:20 AM |
| plbquic | $25.00 | $25.00 | 9/28/2009 1:23:25 PM |
| jybank | $50.00 | $50.00 | 9/28/2009 4:53:45 PM |
| hidavehi | $59.00 | $59.00 | 9/28/2009 5:26:23 PM |
| falonxz | $25.00 | $25.00 | 9/29/2009 4:55:50 AM |
| AustinAmerica | $25.00 | $25.00 | 9/29/2009 11:32:11 AM |
| wwwUniversal | $25.00 | $25.00 | 9/29/2009 12:53:28 PM |
| afcme | $25.00 | $25.00 | 9/29/2009 2:11:16 PM |
| LoanDMC | $50.00 | $50.00 | 9/29/2009 3:55:06 PM |
| Russh | $25.00 | $25.00 | 9/29/2009 6:10:05 PM |
| RickColo | $74.65 | $74.65 | 9/29/2009 11:56:02 PM |
| Manta_Rai | $25.00 | $25.00 | 9/30/2009 8:21:08 AM |
| the-profit-oracle | $25.00 | $25.00 | 9/30/2009 2:13:36 PM |
| greenback-floret | $25.00 | $25.00 | 9/30/2009 4:05:47 PM |
| PhalanxBulldog | $25.00 | $25.00 | 9/30/2009 4:10:26 PM |
| mglanham | $25.00 | $25.00 | 9/30/2009 5:24:41 PM |
| ScottFinance | $25.00 | $25.00 | 9/30/2009 5:08:52 PM |
| Mikale360 | $25.00 | $8.75 | 9/30/2009 5:06:30 PM |
| GBlack | $25.00 | $25.00 | 9/30/2009 11:43:07 PM |
| flshdaskll | $25.00 | $25.00 | 9/30/2009 8:36:19 PM |
| CULPEPPERGROUP | $25.00 | $25.00 | 10/1/2009 3:42:43 AM |
| fatboy888 | $25.00 | $25.00 | 10/1/2009 5:42:43 AM |
| Jakes_Bank | $25.00 | $25.00 | 10/1/2009 5:48:44 AM |
| Jiangtao | $25.00 | $25.00 | 10/1/2009 4:16:51 AM |
| tomjac2000 | $25.00 | $25.00 | 10/1/2009 4:42:42 AM |
| medkoder | $25.00 | $25.00 | 10/1/2009 5:41:36 AM |
| soular21804 | $25.00 | $25.00 | 10/1/2009 1:54:54 PM |
| Gandalf0001 | $25.00 | $25.00 | 10/1/2009 3:42:47 PM |
| LAKETIME | $25.00 | $25.00 | 10/1/2009 3:25:00 PM |
| Gnomes-of-Zurich | $25.00 | $25.00 | 10/1/2009 3:49:13 PM |
| whittlesey31 | $25.00 | $25.00 | 10/1/2009 4:04:07 PM |
| bankojerry | $25.00 | $25.00 | 10/1/2009 4:09:42 PM |
| FL-Lender | $47.91 | $47.91 | 10/1/2009 4:28:20 PM |
| Savings_EQ_Dignity | $50.00 | $50.00 | 10/1/2009 4:27:49 PM |
| Nash2065 | $25.00 | $25.00 | 9/18/2009 6:33:31 PM |
| hellasow | $25.00 | $25.00 | 9/20/2009 12:42:36 PM |
| bid-wonder | $25.00 | $25.00 | 9/22/2009 9:38:47 AM |
| ujiba | $25.00 | $25.00 | 9/22/2009 10:00:21 AM |
| worth-matador | $50.00 | $50.00 | 9/22/2009 11:57:41 AM |
| zento | $25.00 | $25.00 | 9/22/2009 11:21:15 AM |
| jrw | $100.00 | $100.00 | 9/22/2009 6:20:33 PM |
| khamen | $25.00 | $25.00 | 9/23/2009 11:51:04 AM |
| UofCMaroon | $50.00 | $50.00 | 9/24/2009 6:26:10 AM |
| Nephi | $30.00 | $30.00 | 9/24/2009 6:47:52 AM |
| SKAGIT22 | $25.00 | $25.00 | 9/24/2009 9:27:23 AM |
| Sefotonga | $75.00 | $75.00 | 9/24/2009 4:03:56 PM |
| marwadi-62 | $50.00 | $50.00 | 9/24/2009 5:26:09 PM |
| shneb | $200.00 | $200.00 | 9/25/2009 9:26:59 AM |
| payontime1 | $50.00 | $50.00 | 9/25/2009 2:19:03 PM |
| JoeXB | $25.00 | $25.00 | 9/26/2009 10:43:03 AM |
| CommerciaLender | $25.00 | $25.00 | 9/25/2009 9:00:28 PM |
| worth-matador | $25.00 | $25.00 | 9/26/2009 2:03:55 PM |
| herman7 | $25.00 | $25.00 | 9/26/2009 6:06:39 AM |
| bchbum | $40.00 | $40.00 | 9/26/2009 7:06:04 AM |
| sflawya | $25.00 | $25.00 | 9/26/2009 6:01:03 PM |
| llequire1 | $300.00 | $300.00 | 9/26/2009 12:14:00 PM |
| baltar | $25.00 | $25.00 | 9/26/2009 12:38:18 PM |
| just-trade | $49.78 | $49.78 | 9/26/2009 12:54:16 PM |
| jyalender | $78.71 | $78.71 | 9/27/2009 6:33:26 PM |
| SpectrumCen | $25.00 | $25.00 | 9/28/2009 2:54:43 PM |
| fantasysports | $25.00 | $25.00 | 9/28/2009 2:36:57 PM |
| KaChingInvestments | $25.00 | $25.00 | 9/29/2009 3:08:53 PM |
| gilbrear | $25.00 | $25.00 | 9/29/2009 5:56:39 PM |
| credit-coach118 | $25.00 | $25.00 | 9/29/2009 7:38:49 PM |
| johnrx | $50.00 | $50.00 | 9/29/2009 8:17:14 PM |
| The-Lighthouse-Group | $25.00 | $25.00 | 9/30/2009 5:20:02 AM |
| JerryB96 | $25.00 | $25.00 | 9/30/2009 11:21:27 AM |
| vutah | $50.00 | $50.00 | 9/30/2009 11:37:25 AM |
| sorace | $100.00 | $100.00 | 9/30/2009 2:49:20 PM |
| jokerj006 | $34.64 | $34.64 | 9/30/2009 5:28:50 PM |
| jn_tiger | $25.00 | $25.00 | 9/30/2009 4:58:39 PM |
| dlpprincipal | $50.00 | $50.00 | 9/30/2009 10:04:57 PM |
| bkb7484 | $25.00 | $25.00 | 10/1/2009 4:20:27 AM |
| visionary-currency | $100.00 | $100.00 | 10/1/2009 5:37:21 AM |
| Leshan | $50.00 | $50.00 | 10/1/2009 9:28:29 AM |
| Planecourage | $25.00 | $25.00 | 10/1/2009 9:57:45 AM |
| Prossper-Godfather | $100.00 | $100.00 | 10/1/2009 10:21:26 AM |
| gpuck | $25.00 | $25.00 | 10/1/2009 10:49:55 AM |
| jetblack | $50.00 | $50.00 | 10/1/2009 11:29:45 AM |
| Astyanax | $50.00 | $50.00 | 10/1/2009 1:01:40 PM |
| packrs1 | $50.00 | $50.00 | 10/1/2009 3:42:25 PM |
| kf88 | $25.00 | $25.00 | 10/1/2009 2:22:49 PM |
| william8 | $25.00 | $25.00 | 10/1/2009 3:45:23 PM |
| jimduism | $250.00 | $250.00 | 10/1/2009 4:01:15 PM |
| biffmush | $250.00 | $250.00 | 10/1/2009 4:27:36 PM |
| 106 bids
|
Borrower Payment Dependent Notes Series
425162
This series of Notes was issued and sold upon the funding of the borrower loan #38980, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 14 days
|
|
Term:
| 36 months |
Estimated loss:
| 6.5% |
Auction start date:
| Sep-21-2009 |
| |
Auction end date:
| Oct-05-2009 |
|
|
Starting lender yield:
| 27.00% |
Starting borrower rate/APR:
| 28.00% / 31.98% |
Starting monthly payment:
| $41.36 |
|
Final lender yield:
| 20.00% |
Final borrower rate/APR:
| 21.00% / 24.81% |
Final monthly payment:
| $37.68 |
| |
|
Auction yield range:
| 8.27% - 27.00% |
Estimated loss impact:
| 6.97% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.03% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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:
| 9 |
First credit line:
| Sep-1996 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 640-660 (Sep-2009) |
Current / open credit lines:
| 8
/
6 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 38 | Length of status: | 0y 3m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $7,925 |
Occupation: | Laborer |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 72% | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 3 | | | | |
|
Screen name:
| ideal-bill |
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 my credit cards
Purpose of loan:
This loan will be used to pay of?a?credit card.?
My financial situation:
I am a good candidate for this loan because I pay my bills on time.
Monthly net income: $ 1473
Monthly expenses: $
??Housing: $ 395
??Insurance: $ 25
??Car expenses: $ 290
??Utilities: $ 30
??Phone, cable, internet: $ 65
??Food, entertainment: $ 100
??Clothing, household expenses $
??Credit cards and other loans: $ 500
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| IPG1 | $25.00 | $25.00 | 9/22/2009 7:47:57 AM |
| lend4life13 | $250.00 | $68.71 | 10/2/2009 6:42:56 AM |
| carmat60 | $25.00 | $25.00 | 10/3/2009 2:00:01 AM |
| BlessedEveryDay | $25.00 | $25.00 | 10/3/2009 3:33:56 PM |
| steveinflorida | $25.00 | $25.00 | 10/4/2009 4:37:06 PM |
| gothampark | $25.00 | $25.00 | 10/4/2009 9:28:22 PM |
| bitano | $50.00 | $50.00 | 10/5/2009 7:46:37 AM |
| zorbadgreek | $25.00 | $25.00 | 10/5/2009 11:22:39 AM |
| spike22 | $26.00 | $26.00 | 10/5/2009 8:23:13 AM |
| dorypro | $25.00 | $25.00 | 10/5/2009 2:24:59 PM |
| umfan123 | $25.00 | $25.00 | 10/5/2009 3:16:46 PM |
| jjsparks28 | $28.66 | $28.66 | 10/5/2009 2:29:48 PM |
| well-mannered-income3 | $25.00 | $25.00 | 10/5/2009 3:01:35 PM |
| CoolBreezeWarlord | $25.00 | $25.00 | 10/5/2009 3:42:52 PM |
| Prossper-Godfather | $100.00 | $100.00 | 10/5/2009 4:03:15 PM |
| Prossper-Godfather | $100.00 | $100.00 | 10/5/2009 4:03:29 PM |
| loanman2007 | $25.00 | $25.00 | 10/2/2009 11:04:56 AM |
| investment-cluster | $26.63 | $26.63 | 10/2/2009 4:23:10 PM |
| Sol_Invictus | $25.00 | $25.00 | 10/3/2009 5:10:12 AM |
| fulfilling-commitment | $50.00 | $50.00 | 10/4/2009 3:06:01 PM |
| atlas100 | $25.00 | $25.00 | 10/5/2009 7:19:34 AM |
| Taho | $50.00 | $50.00 | 10/5/2009 7:49:37 AM |
| zxr | $25.00 | $25.00 | 10/5/2009 8:06:29 AM |
| HomerdohNY | $25.00 | $25.00 | 10/5/2009 12:33:40 PM |
| money-expert | $25.00 | $25.00 | 10/5/2009 2:06:30 PM |
| best-generosity-financier | $25.00 | $25.00 | 10/5/2009 3:41:01 PM |
| LAKETIME | $25.00 | $25.00 | 10/5/2009 3:34:46 PM |
| dough-rocket | $50.00 | $50.00 | 10/5/2009 3:59:27 PM |
| 28 bids
|
Borrower Payment Dependent Notes Series
426002
This series of Notes was issued and sold upon the funding of the borrower loan #38987, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,500.00 |
Prosper Rating:
| E |
Auction Duration:
| 14 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.7% |
Auction start date:
| Sep-28-2009 |
| |
Auction end date:
| Oct-12-2009 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.73% |
Starting monthly payment:
| $67.85 |
|
Final lender yield:
| 34.00% |
Final borrower rate/APR:
| 35.00% / 37.73% |
Final monthly payment:
| $67.85 |
| |
|
Auction yield range:
| 14.27% - 34.00% |
Estimated loss impact:
| 16.27% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 17.73% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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:
| 9 |
First credit line:
| Nov-1993 |
Debt/Income ratio:
| 19% |
|
Credit score:
| 600-620 (Sep-2009) |
Current / open credit lines:
| 9
/
7 | Employment status: | Retired |
|
Now delinquent:
| 6 |
Total credit lines:
| 29 | Length of status: | 2y 0m |
|
Amount delinquent:
| $4,311 |
Revolving credit balance:
| $3,282 | Stated income: | $25,000-$49,999 |
|
Public records last 12m / 10y:
| 0/ 1 |
Bankcard utilization:
| 68% | |
|
Delinquencies in last 7y:
| 40 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| todd53 |
Borrower's state:
| NewJersey |
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:
| 6 ( 100% )
| 600-620 (Latest)
|
|
Principal borrowed:
| $2,000.00 | < mo. late:
| 0
( 0% )
| 680-700
(Jul-2008)
|
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 6 | | |
Description
Money to Hire Disability Lawyer
Purpose of loan:
This loan will be used to pay a good disability lawyer to represent me in my case against the Air Force.
My financial situation:
I am a good candidate for this loan because I will pay my loan back. I had a loan on here before and paid it back.? I have had a few lates but I haven't had a late payment in over 2 years.? So what is reported on my credit report here on Prosper?is actually inaccurate.? I am currently taking the steps to correct this. Additionally I had a loan here on Prosper last year and paid it back.? I have a good payment history with Prosper.? The loan amount I am requesting this time is actually less than what I had requested from Prosper the last time when my loan was funded.
Monthly net income: $ 5400
Monthly expenses: $
??Housing: $ 1332
??Insurance: $ 125
??Car expenses: $ 516
??Utilities: $ 140
??Phone, cable, internet: $ 100
??Food, entertainment: $ 200
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 50
??Other expenses: $ 25
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
I lent you money on your first loan. How did you pay it back so quickly, and why must you get another lawyer? How soon do youexpect to pay this loan now? - mikelance7
A:
What happened the first time was that I ended up not needing a lawyer for my first go round with the military in the disposition of my case. I paid it back early because I no longer needed the funds. This time around I will definitely need a lawyer to finally bring a final disposition to my case as I am seeking to get this resolved and to have a final ruling issued by the Disability Board. This time around I expect to pay off this loan in 1.5 or more but not to exceed 2 .5 years.
(Oct-06-2009)
Q:
stats look like 1 month's surplus will cover your $1500 request by around X2. Why borrow? and see my page. thank you. - Tono
A:
I see what you are saying but this will give me some cushion with being able to pay this back over time considering also that these payments are very reasonable. I can make it on what I get but this is living on a fixed income and my wife is out of work so paying for this lawyer with just my income puts a big strain on us. This loan give us breathing room and time to pay it back.
(Oct-10-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| frugalinvestor20 | $25.00 | $25.00 | 9/28/2009 4:31:06 PM |
| cyclingonup | $25.00 | $25.00 | 10/7/2009 10:46:33 AM |
| best-generosity-financier | $50.00 | $50.00 | 10/10/2009 12:07:43 AM |
| Lubava | $25.00 | $25.00 | 10/10/2009 6:32:50 AM |
| jlrmpa | $100.00 | $100.00 | 10/11/2009 4:59:18 PM |
| heeeley | $25.00 | $25.00 | 10/12/2009 10:28:26 AM |
| Engineer44 | $25.00 | $25.00 | 10/12/2009 6:19:18 AM |
| 5kids5 | $40.00 | $40.00 | 10/12/2009 12:05:57 PM |
| Jasmel | $530.88 | $530.88 | 10/12/2009 3:59:37 PM |
| Jasmel | $400.00 | $400.00 | 9/28/2009 4:57:00 PM |
| noble-revenue | $25.00 | $25.00 | 9/29/2009 1:23:15 PM |
| Dave_Cashflow | $37.62 | $37.62 | 10/5/2009 1:24:41 PM |
| Iza13 | $25.00 | $25.00 | 10/5/2009 4:35:57 PM |
| TheAlchemist | $25.00 | $25.00 | 10/8/2009 1:55:14 PM |
| mikelance7 | $25.00 | $25.00 | 10/9/2009 6:14:11 AM |
| Chrishu | $25.00 | $25.00 | 10/9/2009 7:41:10 AM |
| generous-deal6 | $25.00 | $25.00 | 10/10/2009 8:45:20 PM |
| martymaniaman | $25.00 | $25.00 | 10/12/2009 8:00:03 AM |
| vigilance-searcher | $41.50 | $41.50 | 10/11/2009 11:23:14 PM |
| 19 bids
|
Borrower Payment Dependent Notes Series
426044
This series of Notes was issued and sold upon the funding of the borrower loan #38984, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $6,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 14 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% |
Auction start date:
| Sep-28-2009 |
| |
Auction end date:
| Oct-12-2009 |
|
|
Starting lender yield:
| 27.38% |
Starting borrower rate/APR:
| 28.38% / 30.73% |
Starting monthly payment:
| $249.41 |
|
Final lender yield:
| 25.35% |
Final borrower rate/APR:
| 26.35% / 28.68% |
Final monthly payment:
| $242.86 |
| |
|
Auction yield range:
| 11.27% - 27.38% |
Estimated loss impact:
| 10.63% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.72% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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:
| 8 |
First credit line:
| Dec-2001 |
Debt/Income ratio:
| 26% |
|
Credit score:
| 680-700 (Sep-2009) |
Current / open credit lines:
| 11
/
9 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 20 | Length of status: | 2y 2m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $6,525 |
Occupation: | Nurse (RN) |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 74% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| kur258 |
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:
| 1 / 2 |
On-time:
| 42 ( 100% )
| 680-700 (Latest)
|
|
Principal borrowed:
| $6,708.00 | < mo. late:
| 0
( 0% )
| 600-620
(Feb-2008)
600-620
(Jun-2007)
|
|
Principal balance:
| $1,685.92 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 42 | | |
Description
home health business
I need the?cash to partner a home health agency
I need the?cash to partner a home health agency
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
Are you going to be full time with the business venture? Thank you. - p2p-journey
A:
No, this is a parttime and will be involved in the administrative part. Have two experienced partners in this joint venture.I will still continue working @ UCLA
(Oct-11-2009)
Q:
would you like to here how you can get 40 to 60% return on you money very safe not MLM and and there is no cost just free information no strings attached call me nine zero nine five nine seven two seven five eight I've been doing this for 11yrs - greatreturnsonyourmoney
A:
ok will do
(Oct-11-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| thedreamer | $25.00 | $25.00 | 9/28/2009 4:23:09 PM |
| lagnisiruk | $25.00 | $25.00 | 9/28/2009 4:23:50 PM |
| SNH | $50.00 | $50.00 | 9/28/2009 4:24:09 PM |
| Halos2002 | $50.00 | $50.00 | 9/28/2009 4:24:49 PM |
| cash-tiramisu | $250.00 | $250.00 | 9/28/2009 4:25:13 PM |
| seisen | $50.00 | $50.00 | 9/28/2009 4:26:35 PM |
| capital-galaxy | $75.00 | $75.00 | 9/28/2009 4:26:59 PM |
| louisianalender | $100.00 | $100.00 | 9/28/2009 4:29:11 PM |
| Havana21 | $50.00 | $50.00 | 9/28/2009 4:33:04 PM |
| Artist_Blue | $25.00 | $25.00 | 9/28/2009 4:33:09 PM |
| power-collider | $25.00 | $25.00 | 9/28/2009 4:36:43 PM |
| charity_fundraiser | $50.00 | $50.00 | 9/28/2009 4:53:51 PM |
| snoopey100 | $25.00 | $25.00 | 9/28/2009 4:23:32 PM |
| Dreams4Cash | $25.00 | $25.00 | 9/28/2009 4:24:58 PM |
| CarDealer3070 | $30.00 | $30.00 | 9/28/2009 4:23:18 PM |
| personal-lender | $25.00 | $25.00 | 9/28/2009 4:25:47 PM |
| icon7 | $25.00 | $25.00 | 9/28/2009 4:26:55 PM |
| turbine5 | $25.00 | $25.00 | 9/28/2009 4:24:40 PM |
| firewomin | $25.00 | $25.00 | 9/28/2009 4:27:12 PM |
| secobarbital | $25.00 | $25.00 | 9/28/2009 4:27:44 PM |
| delivery | $25.00 | $25.00 | 9/28/2009 4:28:03 PM |
| impressive-loan | $100.00 | $100.00 | 9/28/2009 5:01:25 PM |
| fuzed | $25.00 | $25.00 | 9/28/2009 4:25:28 PM |
| bmbanzai | $25.00 | $25.00 | 9/28/2009 5:01:35 PM |
| MARWARISETH | $25.00 | $25.00 | 9/28/2009 4:25:38 PM |
| spitzbergen | $25.00 | $25.00 | 9/28/2009 4:25:56 PM |
| Sateesh | $100.00 | $100.00 | 9/28/2009 4:26:51 PM |
| justice-dna | $25.00 | $25.00 | 9/28/2009 4:27:02 PM |
| YoungSuccessLLC | $25.00 | $25.00 | 9/28/2009 4:27:30 PM |
| anton | $25.00 | $25.00 | 9/28/2009 4:28:53 PM |
| Shepherd7 | $25.00 | $25.00 | 9/28/2009 4:29:02 PM |
| boghdan2000 | $25.00 | $25.00 | 9/28/2009 4:29:28 PM |
| WorldlyWorker | $25.00 | $25.00 | 9/28/2009 5:04:16 PM |
| treasure-bliss | $50.00 | $50.00 | 9/28/2009 4:29:51 PM |
| riversmoke | $25.00 | $25.00 | 9/28/2009 5:05:06 PM |
| darylc | $35.00 | $35.00 | 9/28/2009 5:05:17 PM |
| richrobe | $25.00 | $25.00 | 9/28/2009 4:59:20 PM |
| Phantom99 | $25.00 | $25.00 | 9/28/2009 5:04:44 PM |
| Credit2Prosper | $25.00 | $25.00 | 9/29/2009 6:02:15 AM |
| bronzmajom | $25.00 | $25.00 | 9/30/2009 1:34:30 PM |
| bondhedger | $25.00 | $25.00 | 9/30/2009 2:04:41 PM |
| shawnw2 | $35.00 | $35.00 | 10/1/2009 12:39:33 PM |
| Kennfusion | $50.00 | $50.00 | 10/2/2009 8:28:29 AM |
| Nicksr | $27.04 | $27.04 | 10/2/2009 10:50:23 AM |
| bright-exchange | $25.00 | $25.00 | 10/2/2009 5:39:58 PM |
| jybank | $25.00 | $25.00 | 10/3/2009 12:30:41 AM |
| The-Lighthouse-Group | $25.00 | $25.00 | 10/4/2009 6:40:26 AM |
| fortytwo | $400.00 | $400.00 | 10/4/2009 1:29:14 PM |
| loanman2007 | $100.00 | $100.00 | 10/4/2009 6:04:36 PM |
| buffalobills | $25.00 | $25.00 | 10/5/2009 8:57:22 AM |
| mikeyp411 | $25.00 | $25.00 | 10/5/2009 2:18:01 PM |
| enriched-truth | $25.00 | $25.00 | 10/5/2009 11:04:07 PM |
| wowlender | $25.00 | $25.00 | 10/6/2009 11:26:18 AM |
| reflective-rupee | $25.00 | $25.00 | 10/6/2009 9:32:02 PM |
| bartenderpro | $49.13 | $49.13 | 10/7/2009 6:00:01 PM |
| fireferd | $90.32 | $90.32 | 10/7/2009 10:04:15 PM |
| whatreality | $25.00 | $25.00 | 10/8/2009 6:03:45 AM |
| na2moo4 | $50.00 | $50.00 | 10/9/2009 5:32:33 AM |
| martymaniaman | $52.17 | $52.17 | 10/9/2009 6:38:29 AM |
| The_Loaner | $25.00 | $25.00 | 10/9/2009 11:59:21 AM |
| doubledb | $35.00 | $35.00 | 10/9/2009 1:13:41 PM |
| brilliant-balance | $25.00 | $25.00 | 10/9/2009 6:20:27 PM |
| peregrine | $25.00 | $25.00 | 10/10/2009 1:54:59 AM |
| best-generosity-financier | $75.00 | $75.00 | 10/10/2009 12:11:09 AM |
| Nethead | $25.00 | $25.00 | 10/10/2009 7:53:10 AM |
| Crom | $50.00 | $50.00 | 10/10/2009 1:22:13 PM |
| wizard750 | $64.85 | $64.85 | 10/10/2009 10:58:20 AM |
| larryboy10 | $25.00 | $25.00 | 10/10/2009 3:24:04 PM |
| Feyenoord | $50.00 | $50.00 | 10/11/2009 11:42:04 AM |
| investment-cluster | $25.00 | $25.00 | 10/11/2009 4:47:21 AM |
| wealth-safehouse9 | $25.00 | $25.00 | 10/10/2009 6:28:42 PM |
| efficient-bid2 | $25.00 | $25.00 | 10/11/2009 8:08:39 PM |
| peb44 | $25.00 | $25.00 | 10/10/2009 9:56:11 PM |
| well-mannered-income3 | $25.00 | $25.00 | 10/11/2009 7:38:30 PM |
| credit-missile | $103.19 | $103.19 | 10/12/2009 7:56:09 AM |
| Gaelicman | $100.00 | $100.00 | 10/12/2009 1:37:13 PM |
| Skeptical-one | $100.00 | $100.00 | 10/12/2009 1:30:41 PM |
| reflective-rupee | $75.00 | $75.00 | 10/12/2009 10:49:27 AM |
| icon7 | $25.00 | $25.00 | 10/12/2009 2:27:51 PM |
| dcm6276 | $50.00 | $50.00 | 10/12/2009 4:05:40 PM |
| dcm6276 | $25.00 | $25.00 | 10/12/2009 4:02:04 PM |
| bazaar-tulip | $25.00 | $25.00 | 9/28/2009 4:23:44 PM |
| neighborly-bid | $25.00 | $25.00 | 9/28/2009 4:23:54 PM |
| poeman | $25.00 | $25.00 | 9/28/2009 4:24:04 PM |
| visionary-currency | $25.00 | $25.00 | 9/28/2009 4:24:21 PM |
| noble-revenue | $100.00 | $100.00 | 9/28/2009 4:24:45 PM |
| drg6289 | $25.00 | $25.00 | 9/28/2009 4:25:19 PM |
| zone8 | $25.00 | $25.00 | 9/28/2009 4:28:43 PM |
| larrybird | $95.00 | $95.00 | 9/28/2009 4:29:45 PM |
| gracej | $25.00 | $25.00 | 9/28/2009 4:34:13 PM |
| CA_Lender | $25.00 | $25.00 | 9/28/2009 4:19:07 PM |
| upc_tnt | $25.00 | $25.00 | 9/28/2009 4:56:43 PM |
| Savings_EQ_Dignity | $25.00 | $25.00 | 9/28/2009 4:27:06 PM |
| GMPK_TLAS | $25.00 | $25.00 | 9/28/2009 4:28:11 PM |
| Mantis75 | $25.00 | $25.00 | 9/28/2009 4:28:35 PM |
| UCLA4life | $25.00 | $25.00 | 9/28/2009 5:02:03 PM |
| kegs | $100.00 | $100.00 | 9/28/2009 4:29:36 PM |
| slcchad | $25.00 | $25.00 | 9/28/2009 4:28:20 PM |
| heroic-benefit | $25.00 | $25.00 | 9/28/2009 4:29:19 PM |
| deal-secret-agent | $25.00 | $25.00 | 9/28/2009 4:30:01 PM |
| capital-musician9 | $25.00 | $25.00 | 9/28/2009 5:07:24 PM |
| InvestorPartners | $25.00 | $25.00 | 9/28/2009 4:35:28 PM |
| westsidehighway | $25.00 | $7.40 | 9/28/2009 5:08:12 PM |
| generous-deal6 | $25.00 | $25.00 | 9/28/2009 4:33:24 PM |
| mmqc | $25.00 | $25.00 | 9/28/2009 4:53:41 PM |
| rapid-power2 | $25.00 | $25.00 | 9/28/2009 4:35:59 PM |
| sharpchicago | $25.00 | $25.00 | 9/28/2009 4:54:02 PM |
| dinero-mason | $50.00 | $50.00 | 9/28/2009 5:00:44 PM |
| saffron4 | $25.00 | $25.00 | 9/28/2009 5:01:16 PM |
| PatRichi | $25.00 | $25.00 | 9/28/2009 5:02:32 PM |
| Viamin | $25.00 | $25.00 | 9/28/2009 5:04:48 PM |
| MidnightBank | $25.00 | $25.00 | 9/28/2009 5:03:44 PM |
| 87Marc | $25.00 | $25.00 | 9/28/2009 5:07:16 PM |
| bid-papyrus | $25.00 | $25.00 | 9/29/2009 7:33:48 PM |
| gaiusceasar | $25.00 | $25.00 | 9/30/2009 8:50:05 AM |
| mercuriant | $25.00 | $25.00 | 10/2/2009 10:55:26 AM |
| festivecpl | $50.00 | $50.00 | 10/2/2009 5:31:13 PM |
| sturdy-peace9 | $50.00 | $50.00 | 10/6/2009 10:20:21 AM |
| himanshuko | $30.00 | $30.00 | 10/6/2009 12:56:06 PM |
| CincyTex | $50.00 | $50.00 | 10/6/2009 6:53:41 PM |
| mrpowers5531 | $25.00 | $25.00 | 10/7/2009 9:31:08 AM |
| Eloise62 | $75.00 | $75.00 | 10/7/2009 1:48:01 PM |
| VitaminFunk | $25.00 | $25.00 | 10/7/2009 6:01:57 PM |
| Gregger | $26.00 | $26.00 | 10/8/2009 10:41:27 AM |
| deadzed | $52.00 | $52.00 | 10/8/2009 4:51:59 PM |
| ltlsprite3 | $100.00 | $100.00 | 10/9/2009 11:03:09 AM |
| doubledb | $35.00 | $35.00 | 10/9/2009 1:18:08 PM |
| mattblizz | $100.00 | $100.00 | 10/10/2009 12:32:00 AM |
| MrRooster101 | $52.90 | $52.90 | 10/9/2009 10:29:16 PM |
| GALMUL | $25.00 | $25.00 | 10/10/2009 2:04:08 PM |
| wealth-safehouse9 | $25.00 | $25.00 | 10/10/2009 8:33:56 PM |
| cash2lendu | $50.00 | $50.00 | 10/10/2009 10:14:32 PM |
| brightest-asset-healer | $25.00 | $25.00 | 10/11/2009 9:23:33 AM |
| loan-eagle9 | $25.00 | $25.00 | 10/12/2009 8:16:25 AM |
| lib5836 | $25.00 | $25.00 | 10/11/2009 9:57:05 PM |
| crazybill | $25.00 | $25.00 | 10/12/2009 1:40:19 PM |
| just-trade0 | $25.00 | $25.00 | 10/12/2009 1:03:40 PM |
| enriched-truth | $50.00 | $50.00 | 10/12/2009 4:00:50 PM |
| DMKAssetManagement | $150.00 | $150.00 | 10/12/2009 3:35:27 PM |
| Engineer44 | $30.00 | $30.00 | 10/12/2009 4:06:09 PM |
| 140 bids
|
Borrower Payment Dependent Notes Series
426080
This series of Notes was issued and sold upon the funding of the borrower loan #38993, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $5,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 14 days
|
|
Term:
| 36 months |
Estimated loss:
| 7.0% |
Auction start date:
| Sep-29-2009 |
| |
Auction end date:
| Oct-13-2009 |
|
|
Starting lender yield:
| 21.93% |
Starting borrower rate/APR:
| 22.93% / 25.21% |
Starting monthly payment:
| $193.37 |
|
Final lender yield:
| 21.93% |
Final borrower rate/APR:
| 22.93% / 25.21% |
Final monthly payment:
| $193.37 |
| |
|
Auction yield range:
| 8.27% - 21.93% |
Estimated loss impact:
| 7.52% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.41% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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:
| 7 |
First credit line:
| Jan-1996 |
Debt/Income ratio:
| 29% |
|
Credit score:
| 780-800 (Sep-2009) |
Current / open credit lines:
| 4
/
4 | Employment status: | Full-time employee |
|
Now delinquent:
| 1 |
Total credit lines:
| 20 | Length of status: | 8y 3m |
|
Amount delinquent:
| $133 |
Revolving credit balance:
| $4,355 |
Occupation: | Waiter/Waitress |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 12% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| unbeatable-coin |
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
Paying off loans and Credit Cards
I look forward to consolidating my debts into one payment with a lower interest rate.? I appreciate anyone that will help me accomplish my goal of becoming debt free in a quicker time frame.? Thanks!
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
Can you list your current balances that you owe and the current interest rate. Can you also explain the current DQ. Thanks - the-profit-oracle
A:
I found my deliquency when I viewed my credit. I viewed my credit when I applied for this loan. I have a few credit cards at 28% and my car needs to be fixed. Thanks for any amount you can loan!
(Oct-10-2009)
Q:
How are the proceeds of the loan going to be used, are you paying off all your outstanding debt? How much do you need for the car repair? - the-profit-oracle
A:
$200 for automobile, rest pays off and consolidates debt.
(Oct-11-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| mmzero | $25.00 | $25.00 | 9/29/2009 4:11:49 PM |
| five-star-justice | $36.00 | $36.00 | 9/29/2009 4:08:17 PM |
| 4est | $25.00 | $25.00 | 9/29/2009 4:09:40 PM |
| YoungSuccessLLC | $25.00 | $25.00 | 9/29/2009 4:19:38 PM |
| PalmTreeIsland | $31.60 | $31.60 | 10/1/2009 4:01:29 AM |
| return-owner | $25.00 | $25.00 | 10/1/2009 3:59:39 AM |
| Oupa-George | $25.00 | $25.00 | 10/1/2009 11:12:26 AM |
| BBL | $25.00 | $25.00 | 10/1/2009 4:41:36 PM |
| Syzygy | $25.00 | $25.00 | 10/2/2009 10:42:32 AM |
| finance-vault | $50.00 | $50.00 | 10/2/2009 8:10:12 PM |
| b1geasy | $25.00 | $25.00 | 10/5/2009 1:34:52 PM |
| Helenska11 | $50.00 | $50.00 | 10/5/2009 1:59:39 PM |
| pythia | $25.00 | $25.00 | 10/5/2009 3:26:05 PM |
| nbhz60a | $25.00 | $25.00 | 10/5/2009 4:49:03 PM |
| keynaples | $26.35 | $26.35 | 10/5/2009 4:49:04 PM |
| invincible-gain | $25.00 | $25.00 | 10/6/2009 2:16:58 PM |
| Eloise62 | $75.00 | $75.00 | 10/7/2009 1:47:07 PM |
| ChrisKwan | $25.00 | $25.00 | 10/7/2009 2:07:23 PM |
| tnjohnso | $25.00 | $25.00 | 10/8/2009 6:42:49 PM |
| the-profit-oracle | $25.00 | $25.00 | 10/11/2009 11:45:16 AM |
| dcoggins | $25.00 | $25.00 | 10/12/2009 7:21:11 AM |
| Cypher041 | $25.00 | $25.00 | 10/12/2009 4:14:40 PM |
| RadCad1 | $50.00 | $50.00 | 10/12/2009 4:16:44 PM |
| Bigsaver | $25.00 | $25.00 | 10/12/2009 2:44:16 PM |
| cemseller | $25.00 | $25.00 | 10/12/2009 4:18:44 PM |
| drkhelmet | $25.00 | $25.00 | 10/12/2009 6:38:17 PM |
| noble-revenue | $500.00 | $19.46 | 10/13/2009 12:33:16 AM |
| rick4734 | $25.00 | $25.00 | 10/12/2009 9:04:30 PM |
| ideal-value | $100.00 | $100.00 | 10/13/2009 1:25:39 AM |
| PersonalBnkr | $50.00 | $50.00 | 10/12/2009 7:52:49 PM |
| zieger | $25.00 | $25.00 | 10/13/2009 5:33:15 AM |
| VT2VA | $25.00 | $25.00 | 10/13/2009 7:27:11 AM |
| icess285 | $25.00 | $25.00 | 10/13/2009 9:47:53 AM |
| Skeptical-one | $25.00 | $25.00 | 10/13/2009 8:18:31 AM |
| JTHarris | $50.00 | $50.00 | 10/13/2009 10:10:31 AM |
| tclay77 | $25.00 | $25.00 | 10/13/2009 10:42:57 AM |
| bitano | $50.00 | $50.00 | 10/13/2009 10:47:41 AM |
| dime-worker | $25.00 | $25.00 | 10/13/2009 11:11:05 AM |
| ptclender | $50.00 | $50.00 | 10/13/2009 12:24:38 PM |
| dlg | $26.00 | $26.00 | 10/13/2009 1:13:41 PM |
| ChewyZ | $25.00 | $25.00 | 10/13/2009 12:11:46 PM |
| red-duty-sensai | $25.00 | $25.00 | 10/13/2009 12:27:35 PM |
| resolute-liberty | $25.00 | $25.00 | 10/13/2009 2:39:10 PM |
| mpatrick | $50.00 | $50.00 | 10/13/2009 12:47:48 PM |
| zone6 | $30.00 | $30.00 | 10/13/2009 3:11:07 PM |
| Gaelicman | $50.00 | $50.00 | 10/13/2009 1:39:28 PM |
| yu-rik | $50.00 | $50.00 | 10/13/2009 3:39:55 PM |
| asya | $29.00 | $29.00 | 10/13/2009 3:04:40 PM |
| payontime1 | $50.00 | $50.00 | 10/13/2009 3:39:42 PM |
| InAFoodComa | $200.00 | $200.00 | 10/13/2009 3:45:41 PM |
| porwestco | $25.00 | $25.00 | 10/13/2009 3:53:39 PM |
| wwwUniversal | $25.00 | $25.00 | 10/13/2009 3:58:22 PM |
| Carnth | $25.00 | $25.00 | 9/29/2009 4:17:02 PM |
| Approved1234 | $25.00 | $25.00 | 9/29/2009 4:10:47 PM |
| d_grbg | $35.00 | $35.00 | 9/29/2009 4:08:34 PM |
| Bigheadboy | $25.00 | $25.00 | 9/29/2009 4:19:02 PM |
| BGILlender | $25.00 | $25.00 | 9/29/2009 11:24:30 PM |
| grf1945 | $25.00 | $25.00 | 9/30/2009 9:44:27 PM |
| fostaman | $25.00 | $25.00 | 9/30/2009 10:04:28 PM |
| privatebankerva | $25.00 | $25.00 | 10/1/2009 2:36:20 PM |
| Hartfelt | $25.87 | $25.87 | 10/5/2009 1:34:28 PM |
| aurorafinancial | $50.00 | $50.00 | 10/5/2009 1:34:22 PM |
| davidc314 | $50.00 | $50.00 | 10/5/2009 4:45:36 PM |
| mtp | $50.00 | $50.00 | 10/5/2009 4:49:01 PM |
| privatebankerva | $25.00 | $25.00 | 10/8/2009 1:39:20 PM |
| well-mannered-income3 | $25.00 | $25.00 | 10/8/2009 3:05:25 PM |
| E-B | $50.00 | $50.00 | 10/10/2009 3:57:24 AM |
| reflective-rupee | $500.00 | $500.00 | 10/10/2009 2:30:47 PM |
| the-profit-oracle | $25.00 | $25.00 | 10/10/2009 7:40:08 PM |
| Logan7 | $25.00 | $25.00 | 10/12/2009 4:18:43 PM |
| eyal0 | $64.73 | $64.73 | 10/12/2009 4:19:01 PM |
| 1traveler | $25.00 | $25.00 | 10/12/2009 5:32:10 PM |
| witty-compassion | $25.00 | $25.00 | 10/12/2009 4:18:44 PM |
| investment-cluster | $25.00 | $25.00 | 10/12/2009 4:40:39 PM |
| ddh81 | $33.95 | $33.95 | 10/12/2009 4:09:46 PM |
| kindness-jedi | $50.00 | $50.00 | 10/13/2009 2:40:28 AM |
| five-star-note | $25.00 | $25.00 | 10/12/2009 7:54:04 PM |
| deal_11 | $50.00 | $50.00 | 10/12/2009 7:55:58 PM |
| paulsar71495 | $25.00 | $25.00 | 10/13/2009 6:03:46 AM |
| kenL | $300.00 | $300.00 | 10/12/2009 9:16:32 PM |
| beakerfish | $50.00 | $50.00 | 10/13/2009 5:03:43 AM |
| VT2VA | $25.00 | $25.00 | 10/13/2009 7:27:50 AM |
| bxdoc | $125.00 | $125.00 | 10/13/2009 6:30:11 AM |
| buffalobills | $25.00 | $25.00 | 10/13/2009 9:15:25 AM |
| JRockdown | $25.00 | $25.00 | 10/13/2009 8:59:01 AM |
| davez0r | $25.00 | $25.00 | 10/13/2009 9:38:18 AM |
| balance-force | $25.00 | $25.00 | 10/13/2009 7:50:02 AM |
| fulfilling-commitment | $50.00 | $50.00 | 10/13/2009 9:50:26 AM |
| Brown98 | $25.00 | $25.00 | 10/13/2009 10:24:46 AM |
| maga | $25.00 | $25.00 | 10/13/2009 10:32:43 AM |
| EEasyMoney | $25.00 | $25.00 | 10/13/2009 10:33:41 AM |
| Taho | $45.41 | $45.41 | 10/13/2009 10:52:39 AM |
| PCGeekWI | $25.00 | $25.00 | 10/13/2009 11:13:45 AM |
| jybank | $25.00 | $25.00 | 10/13/2009 10:47:07 AM |
| JauaFlash | $46.63 | $46.63 | 10/13/2009 12:43:09 PM |
| Rule62 | $25.00 | $25.00 | 10/13/2009 11:48:43 AM |
| credit-coach118 | $25.00 | $25.00 | 10/13/2009 2:08:48 PM |
| rockymtbob | $25.00 | $25.00 | 10/13/2009 12:38:49 PM |
| sophisticated-ore | $300.00 | $300.00 | 10/13/2009 11:40:32 AM |
| thegreatone | $300.00 | $300.00 | 10/13/2009 12:51:12 PM |
| csak13 | $25.00 | $25.00 | 10/13/2009 12:19:17 PM |
| lifegrowth | $50.00 | $50.00 | 10/13/2009 2:08:18 PM |
| Grandmahoneybee | $25.00 | $25.00 | 10/13/2009 1:32:39 PM |
| Kyileo | $25.00 | $25.00 | 10/13/2009 1:39:08 PM |
| jcquiroz | $50.00 | $50.00 | 10/13/2009 2:04:41 PM |
| Feyenoord | $25.00 | $25.00 | 10/13/2009 3:39:02 PM |
| 106 bids
|
Borrower Payment Dependent Notes Series
426160
This series of Notes was issued and sold upon the funding of the borrower loan #39002, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,000.00 |
Prosper Rating:
| AA |
Auction Duration:
| 14 days
|
|
Term:
| 36 months |
Estimated loss:
| 0.6% |
Auction start date:
| Sep-29-2009 |
| |
Auction end date:
| Oct-13-2009 |
|
|
Starting lender yield:
| 8.08% |
Starting borrower rate/APR:
| 9.08% / 9.42% |
Starting monthly payment:
| $31.84 |
|
Final lender yield:
| 4.54% |
Final borrower rate/APR:
| 5.54% / 5.88% |
Final monthly payment:
| $30.21 |
| |
|
Auction yield range:
| 3.27% - 8.08% |
Estimated loss impact:
| 0.59% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 3.95% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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:
| 10 |
First credit line:
| Dec-1995 |
Debt/Income ratio:
| 3% |
|
Credit score:
| 800-820 (Sep-2009) |
Current / open credit lines:
| 4
/
3 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 23 | Length of status: | 11y 3m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $0 |
Occupation: | Skilled Labor |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 0% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 1 | | | | |
|
Screen name:
| MTMoney |
Borrower's state:
| Montana |
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
Credit Score
Purpose of loan:
This loan will be used to increases my credit score and reinvest in prosper. I just purchased a Ford Expedition and I seen my credit score is not what I want it to be my divorce has been hard on my credit score and I think this would be an easy way to improve it.
My financial situation:
I am a good candidate for this loan because I don't use any credit cards and I will pay this off with automatic pay from my bank acct. I don't buy things I cant afford.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| HealthAndSafety | $100.00 | $100.00 | 10/6/2009 4:10:41 PM |
| Blind_Pig | $27.00 | $27.00 | 10/10/2009 9:55:22 AM |
| LenderCB | $50.00 | $50.00 | 10/10/2009 11:08:45 PM |
| CollinsCrew | $51.55 | $51.55 | 10/12/2009 10:24:04 AM |
| beaver0206 | $50.00 | $50.00 | 10/12/2009 7:01:25 AM |
| heretolendit | $33.01 | $33.01 | 10/12/2009 12:06:41 PM |
| aloantime07 | $25.00 | $25.00 | 10/12/2009 7:57:05 PM |
| kulender | $100.00 | $100.00 | 10/12/2009 9:08:45 PM |
| TomDalonajay | $25.00 | $25.00 | 10/13/2009 10:40:15 AM |
| GO4NY23 | $50.00 | $50.00 | 10/13/2009 1:32:21 PM |
| jimduism | $66.56 | $66.56 | 10/13/2009 2:07:03 PM |
| generous-deal6 | $50.00 | $50.00 | 10/13/2009 2:33:16 PM |
| payontime1 | $50.00 | $50.00 | 10/13/2009 3:41:27 PM |
| kinetic-social | $50.00 | $13.44 | 10/13/2009 3:47:28 PM |
| junes08 | $50.00 | $50.00 | 10/2/2009 10:24:50 PM |
| axelducheck | $25.00 | $25.00 | 10/5/2009 11:16:28 PM |
| bankar | $25.00 | $25.00 | 10/6/2009 2:27:40 PM |
| FundMaker | $25.00 | $25.00 | 10/7/2009 11:04:02 AM |
| kgeezy | $25.00 | $25.00 | 10/8/2009 4:25:25 PM |
| hope-lionheart1 | $25.00 | $25.00 | 10/9/2009 10:47:51 PM |
| REITRUST | $25.00 | $25.00 | 10/10/2009 3:15:22 PM |
| bankar | $25.00 | $25.00 | 10/12/2009 1:51:17 PM |
| quiggles | $25.00 | $25.00 | 10/13/2009 6:02:43 AM |
| Alexander1776 | $25.00 | $25.00 | 10/13/2009 8:37:30 AM |
| jimduism | $33.44 | $33.44 | 10/13/2009 2:07:46 PM |
| 25 bids
|
Borrower Payment Dependent Notes Series
426250
This series of Notes was issued and sold upon the funding of the borrower loan #38996, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,300.00 |
Prosper Rating:
| C |
Auction Duration:
| 14 days
|
|
Term:
| 36 months |
Estimated loss:
| 6.5% |
Auction start date:
| Sep-29-2009 |
| |
Auction end date:
| Oct-13-2009 |
|
|
Starting lender yield:
| 20.06% |
Starting borrower rate/APR:
| 21.06% / 23.96% |
Starting monthly payment:
| $49.02 |
|
Final lender yield:
| 12.00% |
Final borrower rate/APR:
| 13.00% / 15.77% |
Final monthly payment:
| $43.80 |
| |
|
Auction yield range:
| 8.27% - 20.06% |
Estimated loss impact:
| 6.76% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.24% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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:
| 9 |
First credit line:
| Jan-1999 |
Debt/Income ratio:
| 10% |
|
Credit score:
| 640-660 (Sep-2009) |
Current / open credit lines:
| 6
/
5 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 16 | Length of status: | 4y 6m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $2,360 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 1 |
Bankcard utilization:
| 93% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| Redboneamber |
Borrower's state:
| Missouri |
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:
| 1 / 2 |
On-time:
| 44 ( 100% )
| 640-660 (Latest)
|
|
Principal borrowed:
| $5,600.00 | < mo. late:
| 0
( 0% )
| 600-620
(Jan-2008)
560-580
(May-2007)
|
|
Principal balance:
| $1,366.42 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 44 | | |
Description
Dental Bill and combine 2 debts
Purpose of loan:
Mainly want to get rid of an unexpected?dental bill and combine two other loans.??
My financial situation:
I respect the value of credit.??In the past my decisions were not very wise.? I came out of a bad marriage and that's why I had some negative reporting on my Credit bureau in 2002, which resulted in a?Bankruptcy.? Since that time, my credit has been perfect.
Monthly net income: $2399.93?+ 500 in child support Avg
Monthly expenses: $?1731
??Housing: $ 795.00
??Insurance: $ 75
??Car expenses: $ 0
??Utilities: $ 135
??Phone, cable, internet: $ 75
??Food, entertainment: $ 200
??Clothing, household expenses $ 150.00
??Credit cards and other loans: $?250
??Other expenses: $118 (Prosper loan #2)?
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| marwadi-62 | $200.00 | $200.00 | 10/8/2009 5:46:03 PM |
| BankofBeth | $50.00 | $50.00 | 10/9/2009 8:33:31 PM |
| loanman2007 | $75.00 | $72.65 | 10/10/2009 4:01:58 PM |
| Kash2010lu | $25.00 | $25.00 | 10/11/2009 8:29:34 AM |
| Astyanax | $25.00 | $25.00 | 10/12/2009 2:58:28 PM |
| lakini18 | $50.00 | $50.00 | 10/12/2009 4:16:09 PM |
| seatown7 | $50.00 | $50.00 | 10/13/2009 12:14:53 AM |
| loan-eagle9 | $25.00 | $25.00 | 10/13/2009 8:30:27 AM |
| maga | $100.00 | $100.00 | 10/13/2009 10:38:21 AM |
| ptclender | $60.00 | $60.00 | 10/13/2009 1:29:55 PM |
| jcquiroz | $50.00 | $50.00 | 10/13/2009 2:06:05 PM |
| CA_Lender | $25.00 | $25.00 | 10/13/2009 1:10:31 PM |
| dorypro | $25.00 | $25.00 | 10/13/2009 3:22:57 PM |
| wwwUniversal | $25.00 | $25.00 | 10/13/2009 3:59:36 PM |
| Feyenoord | $50.00 | $50.00 | 10/13/2009 3:41:24 PM |
| kinetic-social | $25.00 | $25.00 | 10/13/2009 3:50:21 PM |
| junes08 | $50.00 | $50.00 | 10/6/2009 7:14:06 PM |
| Student_Capital | $50.00 | $50.00 | 10/12/2009 8:04:52 PM |
| martymaniaman | $25.00 | $25.00 | 10/13/2009 6:11:20 AM |
| Johnny0311 | $42.35 | $42.35 | 10/12/2009 10:51:32 PM |
| sunnysally | $25.00 | $25.00 | 10/13/2009 10:40:08 AM |
| Prezotus | $50.00 | $50.00 | 10/13/2009 11:44:57 AM |
| fiscal_family | $25.00 | $25.00 | 10/13/2009 12:47:48 PM |
| beaver0206 | $25.00 | $25.00 | 10/13/2009 3:39:04 PM |
| Johnab | $50.00 | $50.00 | 10/13/2009 3:56:45 PM |
| Gandalf0001 | $100.00 | $100.00 | 10/13/2009 3:58:32 PM |
| 26 bids
|
Borrower Payment Dependent Notes Series
426274
This series of Notes was issued and sold upon the funding of the borrower loan #38999, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 14 days
|
|
Term:
| 36 months |
Estimated loss:
| 6.5% |
Auction start date:
| Sep-29-2009 |
| |
Auction end date:
| Oct-13-2009 |
|
|
Starting lender yield:
| 20.06% |
Starting borrower rate/APR:
| 21.06% / 24.87% |
Starting monthly payment:
| $37.71 |
|
Final lender yield:
| 14.85% |
Final borrower rate/APR:
| 15.85% / 19.54% |
Final monthly payment:
| $35.08 |
| |
|
Auction yield range:
| 8.27% - 20.06% |
Estimated loss impact:
| 6.83% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 8.02% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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:
| 9 |
First credit line:
| May-1987 |
Debt/Income ratio:
| 31% |
|
Credit score:
| 660-680 (Sep-2009) |
Current / open credit lines:
| 7
/
7 | Employment status: | Full-time employee |
|
Now delinquent:
| 1 |
Total credit lines:
| 25 | Length of status: | 13y 7m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $7,221 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 1 |
Bankcard utilization:
| 92% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 6 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 1 | | | | |
|
Screen name:
| Critter1963 |
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.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 15 ( 100% )
| 660-680 (Latest)
|
|
Principal borrowed:
| $3,500.00 | < mo. late:
| 0
( 0% )
| 640-660
(May-2008)
|
|
Principal balance:
| $2,244.95 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 15 | | |
Description
A Lift Recliner for my Mother
Purpose of loan:
This loan will be used to? purchase a lift recliner for my Mother...? She has a hard time getting out of a regular recliner without assistance... I would love to surprise her with a nice Lift Recliner so that she can have the ability to get out of her chair on her own.? She has been going through alot and I would love to make things as easy as possible for her.?
My financial situation:
I am a good candidate for this loan because? It is very?important for me?to pay my bills on time.? I have worked at the same job for over 13 years which shows dedication and stability.? I take my financial obligations seriously.? I make sure my bills are paid?first and on time.? I have a current Prosper loan and every payment has been paid on time. ?I have never missed a payment.?
Monthly net income: $ 2665
Monthly expenses: $
??Housing: $ 582.50
??Insurance: $ 102.50
??Car expenses: $?308
??Utilities: $?75
??Phone, cable, internet: $?112
??Food, entertainment: $?280
??Clothing, household expenses $?75
??Credit cards and other loans: $?317
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Syzygy | $25.00 | $25.00 | 9/30/2009 6:43:32 PM |
| building_community | $25.00 | $25.00 | 10/1/2009 2:10:03 AM |
| Unitas4302 | $109.62 | $109.62 | 10/9/2009 3:28:09 PM |
| junes08 | $50.00 | $50.00 | 10/9/2009 5:17:23 PM |
| dudebrah | $25.00 | $25.00 | 10/11/2009 6:58:49 PM |
| mobius_titan | $25.00 | $25.00 | 10/13/2009 7:32:10 AM |
| maga | $100.00 | $100.00 | 10/13/2009 10:43:47 AM |
| icon7 | $25.00 | $25.00 | 10/13/2009 2:46:43 PM |
| thegreatone | $100.00 | $100.00 | 10/13/2009 3:07:21 PM |
| porwestco | $25.00 | $19.24 | 10/13/2009 1:49:42 PM |
| credit-missile | $100.00 | $100.00 | 10/13/2009 3:00:49 PM |
| beaver0206 | $25.00 | $25.00 | 10/13/2009 3:56:52 PM |
| wwwUniversal | $25.00 | $25.00 | 10/13/2009 4:01:08 PM |
| Johnab | $55.00 | $55.00 | 10/10/2009 12:57:03 PM |
| Gandalf0001 | $25.00 | $25.00 | 10/12/2009 5:28:01 PM |
| danno | $50.00 | $50.00 | 10/13/2009 8:51:06 AM |
| sunnysally | $25.00 | $25.00 | 10/13/2009 9:02:37 AM |
| piscary | $50.00 | $50.00 | 10/13/2009 11:03:26 AM |
| reflective-rupee | $25.00 | $25.00 | 10/13/2009 3:18:56 PM |
| generous-deal6 | $40.00 | $40.00 | 10/13/2009 3:07:16 PM |
| dorypro | $25.00 | $25.00 | 10/13/2009 3:26:05 PM |
| Feyenoord | $25.00 | $25.00 | 10/13/2009 3:42:20 PM |
| awe-inspiring-basis | $26.14 | $26.14 | 10/13/2009 3:52:12 PM |
| 23 bids
|
Borrower Payment Dependent Notes Series
426516
This series of Notes was issued and sold upon the funding of the borrower loan #39005, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $3,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 14 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% |
Auction start date:
| Oct-01-2009 |
| |
Auction end date:
| Oct-14-2009 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $158.33 |
|
Final lender yield:
| 34.00% |
Final borrower rate/APR:
| 35.00% / 37.45% |
Final monthly payment:
| $158.33 |
| |
|
Auction yield range:
| 17.27% - 34.00% |
Estimated loss impact:
| 20.01% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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:
| 5 |
First credit line:
| Aug-1989 |
Debt/Income ratio:
| 13% |
|
Credit score:
| 760-780 (Sep-2009) |
Current / open credit lines:
| 9
/
9 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 30 | Length of status: | 5y 4m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $3,380 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 1 |
Bankcard utilization:
| 97% | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 19 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 2 | | | | |
|
Screen name:
| sandy2 |
Borrower's state:
| Missouri |
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:
| 1 / 1 |
On-time:
| 35 ( 100% )
| 760-780 (Latest)
|
|
Principal borrowed:
| $2,000.00 | < mo. late:
| 0
( 0% )
| 700-720
(Oct-2006)
|
|
Principal balance:
| $68.56 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 35 | | |
Description
Sandy2
I need a tempory loan ASAP?to cover some unexpected expenses.? I have borrowed on Prosper before & have made all payments in a timely manner (only have 1 payment left)..?In addition to my proven ability to make timely payments--I will most likely be able to pay additional larger sum payments (in addition?to the regularly scheduled monthly bank withdrawal payments)?& have this loan paid off within 1 year to 1 1/2 years, as?I anticipate my income to increase within the year.? I currently make about $87,000 per year, but anticipate making some good additional commissions within the next year to?exceed that salary--due to some recent business I recently obtained?with my job. Your prompt review of my loan request would be appreciated, as I need these funds within the next 4 days. Thank you so much for your prompt assistance/help!!? I greatly appreciate your help, if you could provide it.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
Hey Sandy2- what are the 2 inquiries in the last six months related to? Best of luck with your listing. - bondhedger
A:
Hi Bondhedger
I have had 2 inquire 2X, as I have gotten no responses on either. My spouse is in the mortgage business on 100% commission. As you may or may not know--that industry is not so lucrative right now, and so it has fallen upon my shoulders for MANY months now to support our family (2 little girls). We have had some unexpected expenses come up--in addition to having to pay our mortgage & other bills--and I just need a little help until my commissions start hitting my payck. Thx
(Oct-05-2009)
Q:
Hi Sandy, I've 'bid' on your loan based on your past history of repayment, but you are rather vague about how the loan will be used why you feel you'll be able to re-pay it given the described situation. Can you provide any more information? - fortytwo
A:
My spouse is in the mortgage biz & gets pd 100% commision.Due to the mtg industry not being lucrative for the past sevral months,my family has had to rely almost solely on my income. We have 2 small daughters to support,so with mtg pmt, bills, & some unexpected expenses this year,it has been challenging for us financially. In the past 2 wks,my job which pays base+ commission,I have gained several sales which will allow me to reap good commissions for the next 2 yrs-alowing me to repay quikly.Thx
(Oct-05-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| fortytwo | $200.00 | $200.00 | 10/4/2009 1:49:34 PM |
| Unitas4302 | $100.00 | $100.00 | 10/6/2009 11:35:06 AM |
| gold-cluster | $100.00 | $100.00 | 10/9/2009 2:46:40 PM |
| five-star-note | $2,534.00 | $2,295.00 | 10/13/2009 5:54:55 PM |
| noble-revenue | $300.00 | $300.00 | 10/13/2009 8:50:01 PM |
| rvfbroker | $25.00 | $25.00 | 10/13/2009 6:47:53 PM |
| well-mannered-income3 | $25.00 | $25.00 | 10/13/2009 7:38:16 PM |
| privatebankerva | $25.00 | $25.00 | 10/14/2009 6:55:17 AM |
| EEasyMoney | $50.00 | $50.00 | 10/14/2009 8:19:25 AM |
| jpf27 | $100.00 | $100.00 | 10/6/2009 7:53:40 AM |
| niceguy777 | $25.00 | $25.00 | 10/6/2009 4:52:08 PM |
| shawnw2 | $30.00 | $30.00 | 10/9/2009 6:44:37 AM |
| Eloise62 | $75.00 | $75.00 | 10/10/2009 10:12:07 AM |
| investment-cluster | $25.00 | $25.00 | 10/11/2009 5:17:45 AM |
| bid-strawberry | $50.00 | $50.00 | 10/13/2009 2:39:29 PM |
| reflective-rupee | $25.00 | $25.00 | 10/13/2009 9:03:58 PM |
| marwadi-62 | $50.00 | $50.00 | 10/14/2009 8:16:43 AM |
| 17 bids
|
Borrower Payment Dependent Notes Series
426604
This series of Notes was issued and sold upon the funding of the borrower loan #38998, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $3,800.00 |
Prosper Rating:
| HR |
Auction Duration:
| 14 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% |
Auction start date:
| Oct-02-2009 |
| |
Auction end date:
| Oct-16-2009 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $171.90 |
|
Final lender yield:
| 30.00% |
Final borrower rate/APR:
| 31.00% / 33.39% |
Final monthly payment:
| $163.40 |
| |
|
Auction yield range:
| 17.27% - 34.00% |
Estimated loss impact:
| 19.76% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 10.24% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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:
| 4 |
First credit line:
| Nov-1992 |
Debt/Income ratio:
| 19% |
|
Credit score:
| 640-660 (Sep-2009) |
Current / open credit lines:
| 4
/
4 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 9 | Length of status: | 4y 1m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $13,031 |
Occupation: | Truck Driver |
|
Public records last 12m / 10y:
| 0/ 3 |
Bankcard utilization:
| 100% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 3 | | | | |
|
Screen name:
| roadroamer53 |
Borrower's state:
| Nevada |
Borrower's group:
| LendersClub |
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
Pay off Title Loan
Purpose of Loan
To pay off a title loan that I have on my Semi-Truck. In January of this year, I borrowed money against my title to repair my engine. This ended up costing me almost $12000 dollars. Needing to get this done, as my truck is my business, I borrowed the money at 38%, payable at $500 a month. I?ve been making the payments and in the mean time, I have saved up almost $4000, would like to pay this loan off and get out from under the 38% interest. I have applied previously for a loan, but for one reason or another it never happened and this was last year before Prosper went into quite time. I did take care of the bills that I was looking for the loan to help with.
I am a good candidate for this loan because??
I?m a truck driver, own my truck and trailer. I admit that my credit is fair. This happened with medical expenses from my wife who passed away and having liens placed against me by the IRS for not paying taxes. But I have since paid the medical bills off and settled with the IRS which has also been paid off. I can?t go delinquent on bills as this will affect my clearances that I have, that allows me to transport freight into airports and for the Military.
If I haven?t explained enough or you need more information, please feel free to ask any questions and I?ll gladly answer them.
I am also a lender on Prosper and have been doing this since April 2007.
Monthly net income: $5000.00 (not counting my retirement check from the US Navy)
Monthly expenses: $1555 (2055 with title loan)
Housing: $460.00
Utilities: $100
Capital One Platinum $211.00
Capital One Visa $157.00
Progressive Auto Insurance $74.00
AMIG (Home Insurance) $42.00
Sprint $193.00
American General Finance $318.00
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
Your bank card utilization says 100%, have you paid down your credit cards? Or is this loan going to help pay those down? Or is it just going to your payday loan? - Miami_Lending
A:
No, it will not be going towards my credit cards (2), I use those strickly for my Tractor, for fuel and maintenance. Depending on when Prosper checks my credit score, it could run from 5% - 100% depending on the time of the month. I pay these each month on the 27th and start all over again on them on the 1st. Any money I get from my listing will be used to get my Title back on my Tractor. Thank you for even looking at my listing.
(Oct-06-2009)
Q:
How much do you have currently invested in Prosper? - Miami_Lending
A:
I currently have a little over $1200 invested in Prosper. When they went into their quite period, after 6 months I didn't know if they were going to come back and started pulling my money out each month.
(Oct-06-2009)
Q:
First off, thank you for answering my questions so promptly. I am hoping your answers will help you get additional bids. The $4,000 you said you saved, did you already use this money to help pay down your title loan? - Miami_Lending
A:
Yes, I did. I currently have loan down to $6000 and change. Since I posted the fist time for $5000, I had already saved another $1000 to put with it. But after talking to an investor, it was recommended I lower it to $3800 and relist. So since I relisted, I?ve been pushing myself and working at cutting corners to come up with additional $1200, so that I would have it all together to pay this loan off. Thank you for showing interest in my listing.
(Oct-06-2009)
Q:
you have 5000$ in monthly income, not including your navy retirement . 2000$ monthly expenses.. you can save 3000$ a month. Why borrow 3800$ at HR rating (expect 30%+ interest cost)? It makes more sense to wait, you can save that money in 6 weeks - mango501
A:
I also have to plan for unexpected repairs along with my scheduled repairs. Trucking isn?t cheap and with this economy, its even harder. Just as an example, cracked windshield $400 (always happens during winter), blown tire $400 ( I have 18 to watch ), just replaced my radiator 3 weeks ago $1700, toll roads, road taxes, these are just a few things that I have to plan for and / or maintain schedules on.
(Oct-15-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| bobnewt | $50.00 | $50.00 | 10/6/2009 11:43:47 AM |
| gpuck | $25.00 | $25.00 | 10/6/2009 5:31:25 PM |
| Unitas4302 | $50.00 | $50.00 | 10/8/2009 6:47:55 AM |
| Finchy78 | $25.00 | $25.00 | 10/8/2009 12:12:19 PM |
| BAEVentures | $25.00 | $25.00 | 10/8/2009 6:24:53 PM |
| element40 | $50.00 | $50.00 | 10/12/2009 5:59:36 PM |
| kenL | $300.00 | $300.00 | 10/12/2009 4:58:10 PM |
| Iza13 | $25.00 | $25.00 | 10/12/2009 5:52:57 PM |
| gpuck | $25.00 | $25.00 | 10/13/2009 9:43:45 AM |
| Tai | $25.00 | $25.00 | 10/13/2009 5:21:25 PM |
| YummiBear | $25.00 | $25.00 | 10/13/2009 7:29:20 PM |
| Prezotus | $25.00 | $25.00 | 10/13/2009 9:30:53 PM |
| BankofBeth | $50.00 | $50.00 | 10/13/2009 11:40:52 PM |
| Kqwik | $25.00 | $25.00 | 10/13/2009 11:15:38 PM |
| GS-ROCK | $75.00 | $75.00 | 10/13/2009 11:40:54 PM |
| SALLYEB | $25.00 | $25.00 | 10/14/2009 6:25:08 AM |
| loanman2007 | $250.00 | $250.00 | 10/14/2009 10:24:03 AM |
| SwiDaddy | $50.00 | $50.00 | 10/14/2009 3:50:58 PM |
| GAHeel | $33.39 | $33.39 | 10/14/2009 6:46:11 PM |
| bentonlending | $25.00 | $25.00 | 10/14/2009 6:48:42 PM |
| Astyanax | $25.00 | $25.00 | 10/15/2009 7:55:09 AM |
| wisemoney22 | $97.72 | $97.72 | 10/15/2009 10:57:47 AM |
| CMDCO | $50.00 | $50.00 | 10/15/2009 2:07:59 PM |
| kindness-jedi | $25.00 | $25.00 | 10/15/2009 1:26:59 PM |
| unk1911 | $25.00 | $25.00 | 10/15/2009 3:58:54 PM |
| Gandalf0001 | $25.00 | $25.00 | 10/15/2009 4:18:18 PM |
| tigercat | $50.00 | $50.00 | 10/15/2009 4:09:25 PM |
| SouthernRemarketing | $25.00 | $25.00 | 10/15/2009 6:08:44 PM |
| thetuck | $50.00 | $50.00 | 10/15/2009 8:02:46 PM |
| brightest-economy-tsunami | $25.00 | $25.00 | 10/16/2009 10:18:57 AM |
| loan-eagle9 | $25.00 | $25.00 | 10/16/2009 9:11:32 AM |
| plaudvr07 | $45.54 | $45.54 | 10/16/2009 9:20:30 AM |
| reflective-rupee | $25.00 | $25.00 | 10/16/2009 9:41:12 AM |
| Leshan | $25.00 | $25.00 | 10/16/2009 12:29:30 PM |
| wiggly | $25.00 | $25.00 | 10/16/2009 12:52:46 PM |
| Cashlender1992 | $33.00 | $33.00 | 10/16/2009 10:48:18 AM |
| srfb973 | $50.00 | $50.00 | 10/16/2009 10:56:30 AM |
| redhead21 | $35.00 | $35.00 | 10/16/2009 2:21:17 PM |
| PackFan13 | $25.00 | $25.00 | 10/16/2009 2:29:39 PM |
| upbeat-wealth | $25.00 | $25.00 | 10/16/2009 12:37:50 PM |
| LindaRicci | $25.00 | $25.00 | 10/16/2009 12:10:28 PM |
| jtc26 | $50.00 | $50.00 | 10/16/2009 1:48:16 PM |
| Tikibarman | $50.00 | $50.00 | 10/16/2009 1:43:59 PM |
| well-mannered-income3 | $25.00 | $25.00 | 10/16/2009 3:07:05 PM |
| icon7 | $50.00 | $50.00 | 10/16/2009 2:37:07 PM |
| Medic05 | $100.00 | $100.00 | 10/16/2009 3:46:51 PM |
| Engineer44 | $35.00 | $35.00 | 10/16/2009 4:10:18 PM |
| DER | $100.00 | $100.00 | 10/13/2009 6:21:03 PM |
| Eaglehigh | $25.00 | $25.00 | 10/13/2009 5:17:04 PM |
| Kennfusion | $25.00 | $25.00 | 10/14/2009 4:31:28 AM |
| jsnryn | $25.00 | $25.00 | 10/14/2009 6:57:31 AM |
| NekHoldings | $25.00 | $25.00 | 10/14/2009 8:08:00 AM |
| wildanne | $50.00 | $50.00 | 10/14/2009 11:30:20 AM |
| investment-visionary | $25.00 | $25.00 | 10/14/2009 1:32:09 PM |
| intuitive-deal5 | $50.00 | $50.00 | 10/14/2009 2:39:07 PM |
| BeemerRider | $50.00 | $50.00 | 10/14/2009 6:04:48 PM |
| MTF | $100.00 | $100.00 | 10/14/2009 8:14:00 PM |
| deepblue34 | $30.00 | $30.00 | 10/14/2009 7:51:19 PM |
| Tamerz | $25.00 | $25.00 | 10/15/2009 10:56:20 AM |
| rubylender | $25.00 | $25.00 | 10/15/2009 1:44:02 PM |
| GreenSolutionsOffshoreHoldings | $25.00 | $25.00 | 10/15/2009 3:53:14 PM |
| nimcha | $50.00 | $50.00 | 10/15/2009 5:11:33 PM |
| shark1234 | $25.00 | $25.00 | 10/15/2009 6:47:48 PM |
| zone6 | $25.00 | $25.00 | 10/16/2009 10:15:39 AM |
| DMKAssetManagement | $100.00 | $100.00 | 10/16/2009 9:18:36 AM |
| new-truth-chuckler | $25.00 | $25.00 | 10/16/2009 10:08:12 AM |
| hglrfdom | $25.00 | $25.00 | 10/16/2009 11:55:41 AM |
| beach_bum | $25.00 | $25.00 | 10/16/2009 3:00:42 PM |
| Miami_Lending | $463.19 | $390.35 | 10/16/2009 12:33:39 PM |
| garnetchik | $25.00 | $25.00 | 10/16/2009 1:19:55 PM |
| epic-payout | $200.00 | $200.00 | 10/16/2009 1:56:29 PM |
| Only_Money | $25.00 | $25.00 | 10/16/2009 2:02:22 PM |
| BAEVentures | $50.00 | $50.00 | 10/16/2009 3:47:01 PM |
| Mikale360 | $25.00 | $25.00 | 10/16/2009 3:56:34 PM |
| 74 bids
|
Borrower Payment Dependent Notes Series
426628
This series of Notes was issued and sold upon the funding of the borrower loan #38971, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,000.00 |
Prosper Rating:
| AA |
Auction Duration:
| 14 days
|
|
Term:
| 36 months |
Estimated loss:
| 0.6% |
Auction start date:
| Oct-02-2009 |
| |
Auction end date:
| Oct-16-2009 |
|
|
Starting lender yield:
| 7.50% |
Starting borrower rate/APR:
| 8.50% / 8.84% |
Starting monthly payment:
| $63.14 |
|
Final lender yield:
| 6.45% |
Final borrower rate/APR:
| 7.45% / 7.79% |
Final monthly payment:
| $62.17 |
| |
|
Auction yield range:
| 3.27% - 7.50% |
Estimated loss impact:
| 0.60% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.85% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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:
| 10 |
First credit line:
| Feb-1990 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Credit score:
| 840-860 (Oct-2009) |
Current / open credit lines:
| 10
/
9 | Employment status: | Self-employed |
|
Now delinquent:
| 0 |
Total credit lines:
| 42 | Length of status: | 1y 11m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $35,362 |
Occupation: | Computer Programmer |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 31% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| 99Burning_Coder |
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
Leveraging prosper
Purpose of loan:
This loan will be used to?
fund loans to prosper borrowers that I judge as lower risk than Prosper assigns them.
My financial situation:
I am a good candidate for this loan because? I have money to repay the loan now, but would like to leverage Prosper rather than liquidating my current investments to join the party.
The revolving credit balance is at 0%, a rate good until December, when I and my wife will pay it off with proceeds from a portfolio I have at E*Trade and the $20k she has in her bank account.? I did not include her nursing income in the income I reported to Prosper.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| blot44 | $50.00 | $50.00 | 10/2/2009 6:37:02 PM |
| gizmo65 | $25.00 | $25.00 | 10/6/2009 7:43:05 PM |
| heeeley | $25.00 | $25.00 | 10/7/2009 9:42:15 AM |
| rmpedi33 | $50.00 | $50.00 | 10/7/2009 7:13:05 PM |
| Dollars4Rent | $25.00 | $25.00 | 10/9/2009 8:24:09 AM |
| FundMaker | $25.00 | $25.00 | 10/12/2009 3:49:03 PM |
| finagler | $25.00 | $25.00 | 10/12/2009 4:59:57 PM |
| flshdaskll | $25.00 | $25.00 | 10/13/2009 5:58:54 PM |
| gsp1885 | $25.00 | $25.00 | 10/13/2009 8:36:09 PM |
| Prezotus | $25.00 | $25.00 | 10/14/2009 6:56:27 PM |
| sorace | $50.00 | $50.00 | 10/15/2009 7:17:00 AM |
| Halos2002 | $200.00 | $200.00 | 10/15/2009 8:47:45 AM |
| YummiBear | $25.00 | $25.00 | 10/15/2009 7:12:10 PM |
| octoberfresh | $25.00 | $25.00 | 10/16/2009 6:32:12 AM |
| sadhikari | $100.00 | $100.00 | 10/16/2009 10:12:54 AM |
| Richmp412 | $25.00 | $25.00 | 10/16/2009 8:20:38 AM |
| generous-deal6 | $50.00 | $50.00 | 10/16/2009 3:03:36 PM |
| brightest-economy-tsunami | $75.00 | $75.00 | 10/16/2009 4:04:45 PM |
| jybank | $275.00 | $275.00 | 10/16/2009 4:05:57 PM |
| kinetic-social | $50.00 | $50.00 | 10/16/2009 4:07:09 PM |
| best-generosity-financier | $25.00 | $25.00 | 10/16/2009 4:10:44 PM |
| hellasow | $25.00 | $25.00 | 10/4/2009 6:26:43 AM |
| springpanda | $50.00 | $25.00 | 10/5/2009 11:17:14 PM |
| Unitas4302 | $50.00 | $50.00 | 10/6/2009 11:26:34 AM |
| HealthAndSafety | $100.00 | $100.00 | 10/6/2009 4:13:02 PM |
| Dollars4Rent | $25.00 | $25.00 | 10/9/2009 8:24:23 AM |
| Walden2007 | $25.00 | $25.00 | 10/9/2009 8:19:25 AM |
| beaver0206 | $50.00 | $50.00 | 10/12/2009 7:07:24 AM |
| JACJ | $25.00 | $25.00 | 10/14/2009 3:16:46 AM |
| JDLanier | $25.00 | $25.00 | 10/14/2009 11:02:58 AM |
| soilchem | $25.00 | $25.00 | 10/14/2009 6:28:41 PM |
| dpfl55 | $25.00 | $25.00 | 10/14/2009 8:29:54 PM |
| Astyanax | $25.00 | $25.00 | 10/15/2009 7:57:32 AM |
| IceFisherman | $50.00 | $50.00 | 10/15/2009 5:38:34 PM |
| redtilapia | $25.00 | $25.00 | 10/16/2009 12:45:39 AM |
| wealth-safehouse9 | $25.00 | $25.00 | 10/16/2009 5:54:53 AM |
| kulender | $100.00 | $100.00 | 10/16/2009 5:42:58 AM |
| ronin4sale | $25.00 | $25.00 | 10/16/2009 6:13:19 AM |
| LA-Funding-Bank | $50.00 | $50.00 | 10/16/2009 10:23:16 AM |
| worth-matador | $25.00 | $25.00 | 10/16/2009 12:12:50 PM |
| Auditman | $50.00 | $50.00 | 10/16/2009 12:04:54 PM |
| scientists | $25.00 | $25.00 | 10/16/2009 2:50:23 PM |
| 42 bids
|
Borrower Payment Dependent Notes Series
426800
This series of Notes was issued and sold upon the funding of the borrower loan #39000, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $4,256.00 |
Prosper Rating:
| C |
Auction Duration:
| 14 days
|
|
Term:
| 36 months |
Estimated loss:
| 6.5% |
Auction start date:
| Oct-05-2009 |
| |
Auction end date:
| Oct-13-2009 |
|
|
Starting lender yield:
| 20.06% |
Starting borrower rate/APR:
| 21.06% / 23.31% |
Starting monthly payment:
| $160.48 |
|
Final lender yield:
| 19.05% |
Final borrower rate/APR:
| 20.05% / 22.29% |
Final monthly payment:
| $158.28 |
| |
|
Auction yield range:
| 8.27% - 20.06% |
Estimated loss impact:
| 6.94% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 12.11% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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:
| 9 |
First credit line:
| May-1993 |
Debt/Income ratio:
| 31% |
|
Credit score:
| 640-660 (Oct-2009) |
Current / open credit lines:
| 14
/
13 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 65 | Length of status: | 5y 3m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $23,934 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 82% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| LittleBanker |
Borrower's state:
| Oklahoma |
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:
| 1 / 2 |
On-time:
| 42 ( 95% )
| 640-660 (Latest)
|
|
Principal borrowed:
| $4,000.00 | < mo. late:
| 2
( 5% )
| 660-680
(Sep-2008)
640-660
(Apr-2008)
640-660
(Jan-2007)
|
|
Principal balance:
| $2,158.69 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 44 | | |
Description
Installing new carpet in home
Purpose of loan:
This loan will be used to install new carpet in my home.
My financial situation:
I
I am a good candidate for this loan because I am current on all my debt
obligations, am professionally and gainfully employed and believe in
paying my debts on time.? My current credit grade is C and my
middle credit score is around 678 (Due only to inaccurate bankcard utilization percentage).? I have been a home owner for the past 5 years. I plan to repay this debt in less than 6 months.
Monthly net income: $ 4,900 ? Net household income: $7,200
Monthly expenses: $
??Housing: $ 924
??Insurance: $ 102
??Car expenses: $
564
??Utilities: $
232
??Phone, cable, internet: $
100
??Food, entertainment: $
325
??Clothing, household expenses $
100
??Credit cards and other loans: $
526
??Other expenses: $
125
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| crazycool | $25.00 | $25.00 | 10/5/2009 4:15:23 PM |
| victorcab | $25.00 | $25.00 | 10/5/2009 4:16:31 PM |
| jdrez | $25.00 | $25.00 | 10/5/2009 4:16:42 PM |
| truth-futurist | $25.00 | $25.00 | 10/5/2009 4:16:44 PM |
| inventive-exchange | $25.00 | $25.00 | 10/5/2009 4:19:09 PM |
| divemaster | $25.00 | $25.00 | 10/5/2009 4:19:15 PM |
| hawkhelp | $25.00 | $25.00 | 10/5/2009 4:14:53 PM |
| yukongin | $25.00 | $25.00 | 10/5/2009 4:19:35 PM |
| rellotsf | $25.00 | $25.00 | 10/5/2009 4:14:59 PM |
| Halos2002 | $50.00 | $50.00 | 10/5/2009 4:19:52 PM |
| unitedins | $25.00 | $25.00 | 10/5/2009 4:19:53 PM |
| Champpilot | $50.00 | $50.00 | 10/5/2009 4:20:04 PM |
| scottr | $25.00 | $25.00 | 10/5/2009 4:15:16 PM |
| Supernick | $25.00 | $25.00 | 10/5/2009 4:15:21 PM |
| zone8 | $25.00 | $25.00 | 10/5/2009 4:16:01 PM |
| dollars4debts | $25.00 | $25.00 | 10/5/2009 4:16:24 PM |
| thaceisbac | $25.00 | $25.00 | 10/5/2009 4:16:52 PM |
| coolspeed | $25.00 | $25.00 | 10/5/2009 4:15:26 PM |
| kumpa2u | $25.00 | $25.00 | 10/5/2009 4:17:39 PM |
| jammers | $25.00 | $25.00 | 10/5/2009 4:16:30 PM |
| amber_in_florida | $25.00 | $25.00 | 10/5/2009 4:16:35 PM |
| power-collider | $25.00 | $25.00 | 10/5/2009 4:18:33 PM |
| kind-leverage-ringleader | $50.00 | $50.00 | 10/5/2009 4:18:43 PM |
| thrifty-return | $50.00 | $50.00 | 10/5/2009 4:18:53 PM |
| Havana21 | $100.00 | $100.00 | 10/5/2009 4:19:00 PM |
| bluesheep | $25.00 | $25.00 | 10/5/2009 4:16:51 PM |
| teega5 | $25.00 | $25.00 | 10/5/2009 4:16:58 PM |
| RationalWorld | $25.00 | $25.00 | 10/5/2009 4:19:42 PM |
| Artist_Blue | $25.00 | $25.00 | 10/5/2009 4:19:59 PM |
| riversmoke | $25.00 | $25.00 | 10/5/2009 4:20:21 PM |
| don8ter | $25.00 | $25.00 | 10/5/2009 4:18:50 PM |
| Phantom99 | $25.00 | $25.00 | 10/5/2009 4:18:57 PM |
| InvestorPartners | $25.00 | $25.00 | 10/5/2009 4:19:03 PM |
| gracej | $25.00 | $25.00 | 10/5/2009 4:19:39 PM |
| visionary-currency | $50.00 | $50.00 | 10/5/2009 4:19:45 PM |
| RadCad1 | $50.00 | $50.00 | 10/5/2009 4:19:49 PM |
| exact-justice | $25.00 | $25.00 | 10/5/2009 4:20:12 PM |
| AuroraRobbin | $50.00 | $50.00 | 10/5/2009 6:59:21 PM |
| Traal | $25.00 | $25.00 | 10/5/2009 4:59:42 PM |
| generous-deal6 | $50.00 | $50.00 | 10/5/2009 8:23:59 PM |
| semdoc1 | $50.00 | $50.00 | 10/5/2009 8:45:43 PM |
| atlas100 | $50.00 | $50.00 | 10/6/2009 12:32:09 PM |
| kentmolyneaux | $25.00 | $25.00 | 10/6/2009 3:52:39 PM |
| jybank | $25.00 | $25.00 | 10/7/2009 4:12:02 PM |
| Russh | $25.00 | $25.00 | 10/7/2009 7:13:01 PM |
| businessguy29 | $30.00 | $30.00 | 10/8/2009 9:32:59 AM |
| building_community | $25.00 | $25.00 | 10/8/2009 7:44:36 PM |
| outofoffice | $50.00 | $50.00 | 10/8/2009 7:48:46 PM |
| loanman2007 | $50.00 | $50.00 | 10/11/2009 4:49:08 PM |
| iGeoff | $75.00 | $75.00 | 10/12/2009 7:15:46 AM |
| liederhaus | $50.00 | $50.00 | 10/12/2009 3:29:22 PM |
| meteoric-trade | $25.00 | $25.00 | 10/12/2009 6:19:25 PM |
| funtwosay | $25.00 | $25.00 | 10/13/2009 4:20:19 AM |
| peb44 | $125.00 | $125.00 | 10/12/2009 9:21:49 PM |
| JTHarris | $50.00 | $50.00 | 10/13/2009 9:46:48 AM |
| oldman1947 | $25.00 | $25.00 | 10/13/2009 10:31:30 AM |
| Tazeme | $25.00 | $25.00 | 10/13/2009 11:45:04 AM |
| capital-galaxy | $75.00 | $75.00 | 10/5/2009 4:15:29 PM |
| Int_PrinRateTime4000 | $40.00 | $40.00 | 10/5/2009 4:16:02 PM |
| treasure-firestarter8 | $50.00 | $50.00 | 10/5/2009 4:16:40 PM |
| Longtermcapitalmgmt | $25.00 | $25.00 | 10/5/2009 4:16:54 PM |
| Gabriel02 | $25.00 | $25.00 | 10/5/2009 4:18:36 PM |
| tender-gold | $25.00 | $25.00 | 10/5/2009 4:18:56 PM |
| a-healthy-affluence | $50.00 | $50.00 | 10/5/2009 4:19:05 PM |
| jonn834 | $25.00 | $25.00 | 10/5/2009 4:19:11 PM |
| Weaverville | $50.00 | $50.00 | 10/5/2009 4:19:32 PM |
| soldadoz | $25.00 | $25.00 | 10/5/2009 4:19:47 PM |
| honorable-yield | $25.00 | $25.00 | 10/5/2009 4:19:56 PM |
| personal-lender | $25.00 | $25.00 | 10/5/2009 4:20:01 PM |
| VentureExplorer | $25.00 | $25.00 | 10/5/2009 4:20:08 PM |
| burrito6 | $25.00 | $25.00 | 10/5/2009 4:20:25 PM |
| special-responsibility | $25.00 | $3.35 | 10/5/2009 4:20:27 PM |
| jga516 | $25.00 | $25.00 | 10/5/2009 4:16:13 PM |
| carlover | $25.00 | $25.00 | 10/5/2009 4:16:23 PM |
| RickD1003 | $50.00 | $50.00 | 10/5/2009 4:16:34 PM |
| silver-allotment | $25.00 | $25.00 | 10/5/2009 4:16:43 PM |
| Davidson2 | $25.00 | $25.00 | 10/5/2009 4:16:56 PM |
| shawnw2 | $50.00 | $50.00 | 10/5/2009 4:17:08 PM |
| zoomdrm57 | $25.00 | $25.00 | 10/5/2009 4:15:19 PM |
| skuba | $25.00 | $25.00 | 10/5/2009 4:15:25 PM |
| inventive-wealth2 | $25.00 | $25.00 | 10/5/2009 4:15:50 PM |
| wildguy | $25.00 | $25.00 | 10/5/2009 4:17:57 PM |
| Savings_EQ_Dignity | $35.00 | $35.00 | 10/5/2009 4:15:51 PM |
| Syzygy | $25.00 | $25.00 | 10/5/2009 4:16:00 PM |
| decisive-capital | $50.00 | $50.00 | 10/5/2009 4:16:21 PM |
| techgnostic | $25.00 | $25.00 | 10/5/2009 4:16:32 PM |
| five-star-justice | $36.00 | $36.00 | 10/5/2009 4:18:29 PM |
| eloquent-penny | $25.00 | $25.00 | 10/5/2009 4:16:46 PM |
| unk1911 | $25.00 | $25.00 | 10/5/2009 4:18:59 PM |
| mcarm66 | $25.00 | $25.00 | 10/5/2009 4:19:06 PM |
| blue-exuberant-economy | $50.00 | $50.00 | 10/5/2009 4:16:55 PM |
| LenderDan | $100.00 | $100.00 | 10/5/2009 4:19:37 PM |
| Aquani | $50.00 | $50.00 | 10/5/2009 4:20:06 PM |
| wayman | $50.00 | $50.00 | 10/5/2009 4:20:10 PM |
| dinobuddy | $25.00 | $25.00 | 10/5/2009 4:20:17 PM |
| transaction-animal8 | $25.00 | $25.00 | 10/5/2009 4:18:42 PM |
| CarDealer3070 | $25.00 | $25.00 | 10/5/2009 4:19:29 PM |
| Dutchhunter | $25.00 | $25.00 | 10/5/2009 4:19:43 PM |
| MARWARISETH | $25.00 | $25.00 | 10/5/2009 4:19:48 PM |
| figs4u2 | $29.65 | $29.65 | 10/5/2009 4:20:15 PM |
| lending-bear | $25.00 | $25.00 | 10/5/2009 4:20:18 PM |
| benefit-squirrel | $30.00 | $30.00 | 10/5/2009 4:20:23 PM |
| bid-wonder | $25.00 | $25.00 | 10/5/2009 4:32:15 PM |
| junes08 | $50.00 | $50.00 | 10/5/2009 4:35:03 PM |
| interstellar | $50.00 | $50.00 | 10/6/2009 5:36:34 AM |
| spy0 | $25.00 | $25.00 | 10/6/2009 7:50:04 AM |
| the-profit-oracle | $25.00 | $25.00 | 10/6/2009 3:13:14 PM |
| zento | $25.00 | $25.00 | 10/7/2009 8:03:03 AM |
| antaum | $25.00 | $25.00 | 10/7/2009 2:06:29 PM |
| isuperwang | $100.00 | $100.00 | 10/8/2009 3:25:20 PM |
| bid-papyrus | $25.00 | $25.00 | 10/8/2009 5:19:50 PM |
| massuot | $25.00 | $25.00 | 10/9/2009 8:53:40 AM |
| unger | $47.00 | $47.00 | 10/9/2009 10:52:28 AM |
| LendGuy | $100.00 | $100.00 | 10/11/2009 9:04:55 AM |
| mreggz | $55.00 | $55.00 | 10/12/2009 7:36:04 AM |
| dudebrah | $25.00 | $25.00 | 10/12/2009 1:30:55 PM |
| GInBaghdad | $50.00 | $50.00 | 10/12/2009 1:47:01 PM |
| new-truth-chuckler | $25.00 | $25.00 | 10/12/2009 5:21:13 PM |
| samaritan5 | $50.00 | $50.00 | 10/13/2009 3:29:28 PM |
| clemclan | $25.00 | $25.00 | 10/13/2009 9:01:16 PM |
| 120 bids
|
Borrower Payment Dependent Notes Series
426906
This series of Notes was issued and sold upon the funding of the borrower loan #39001, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,000.00 |
Prosper Rating:
| AA |
Auction Duration:
| 14 days
|
|
Term:
| 36 months |
Estimated loss:
| 0.6% |
Auction start date:
| Oct-05-2009 |
| |
Auction end date:
| Oct-19-2009 |
|
|
Starting lender yield:
| 8.08% |
Starting borrower rate/APR:
| 9.08% / 9.42% |
Starting monthly payment:
| $31.84 |
|
Final lender yield:
| 5.00% |
Final borrower rate/APR:
| 6.00% / 6.34% |
Final monthly payment:
| $30.42 |
| |
|
Auction yield range:
| 3.27% - 8.08% |
Estimated loss impact:
| 0.59% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 4.41% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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:
| 10 |
First credit line:
| Oct-1986 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 740-760 (Oct-2009) |
Current / open credit lines:
| 3
/
3 | Employment status: | Part-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 5 | Length of status: | 3y 0m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $3,340 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 42% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| Jenxyz |
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.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 16 ( 100% )
| 740-760 (Latest)
|
|
Principal borrowed:
| $1,000.00 | < mo. late:
| 0
( 0% )
| 720-740
(May-2008)
|
|
Principal balance:
| $581.40 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 16 | | |
Description
Continue medical editing business
Purpose of loan:
This loan will be used to continue my medical editing business.
My financial situation:
I am a good candidate for this loan because I have a master's degree in English, a certified nurse assistant
license, and a two year degree in clinical trials research. I am a
member of the American Medical Writers Association. I will complete the
AMWA core certificate and after two years of medical editing, I will
complete the Basic Editor Life Sciences (BELS) certification. I have 20
years experience in software technical writing. ?
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
Why don't you have $1,000? Why do you need to borrow it? - wishcometrue
A:
I do have 1,000, tied up in another investment. I keep my business funding and my personal funding separate. If you check AMWA, medical writing has taken a hit recently because ghostwriting, which I don't do, and offshoring. For the upcoming Dallas annual conference, the registration period was extended; I am not planning to go. The $1,000 allows me to expand into a new market.
(Oct-07-2009)
Q:
What does Medical Editing do ? Pardon my ignorance, but I have never known of this business/business model.
Do you have an establised client base ? - nikebootie
A:
The American Medical Writers Association offers courses in medical editing. Medical editors serve several functions. One is to polish grammar, punctuation and syntax. Another is to edit for word length. Some medical editors help create the abstract for a medical journal, that is, an abstract is a summary of a longer article. I have listed my services for one year on the American Medical Writers Freelance web site; however, the fee has increased and I have to weigh whether to re-list.
(Oct-19-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| LittleMingo | $25.00 | $25.00 | 10/6/2009 5:14:13 AM |
| hellasow | $25.00 | $25.00 | 10/6/2009 11:26:41 AM |
| gizmo65 | $41.26 | $41.26 | 10/6/2009 7:45:45 PM |
| marwadi-62 | $100.00 | $100.00 | 10/8/2009 5:44:31 PM |
| marwadi-62 | $100.00 | $100.00 | 10/8/2009 5:44:09 PM |
| JDLanier | $25.00 | $25.00 | 10/14/2009 11:22:01 AM |
| building_community | $25.00 | $25.00 | 10/17/2009 9:14:01 PM |
| dudebrah | $25.00 | $25.00 | 10/19/2009 12:16:05 PM |
| kf88 | $30.00 | $30.00 | 10/19/2009 1:02:58 PM |
| the-repayment-treaty | $35.13 | $35.13 | 10/19/2009 1:42:10 PM |
| nbah123 | $50.00 | $50.00 | 10/19/2009 2:34:29 PM |
| HealthAndSafety | $50.00 | $50.00 | 10/6/2009 4:12:08 PM |
| The-Lighthouse-Group | $25.00 | $25.00 | 10/8/2009 6:07:59 PM |
| bankar | $25.00 | $25.00 | 10/12/2009 1:53:18 PM |
| rmpedi33 | $100.00 | $100.00 | 10/13/2009 7:39:59 AM |
| peb44 | $98.61 | $98.61 | 10/13/2009 2:43:06 PM |
| helpful-dough | $50.00 | $45.00 | 10/13/2009 8:45:03 PM |
| Gandalf0001 | $25.00 | $25.00 | 10/15/2009 4:26:53 PM |
| gjm6d | $25.00 | $25.00 | 10/17/2009 4:37:49 PM |
| generous-deal6 | $50.00 | $50.00 | 10/19/2009 12:25:16 PM |
| redtilapia | $25.00 | $25.00 | 10/19/2009 11:06:58 AM |
| scientists | $25.00 | $25.00 | 10/19/2009 11:42:26 AM |
| jybank | $25.00 | $25.00 | 10/19/2009 2:53:06 PM |
| 23 bids
|
Borrower Payment Dependent Notes Series
427082
This series of Notes was issued and sold upon the funding of the borrower loan #38977, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,700.00 |
Prosper Rating:
| E |
Auction Duration:
| 14 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.7% |
Auction start date:
| Oct-05-2009 |
| |
Auction end date:
| Oct-17-2009 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $76.90 |
|
Final lender yield:
| 34.00% |
Final borrower rate/APR:
| 35.00% / 37.45% |
Final monthly payment:
| $76.90 |
| |
|
Auction yield range:
| 14.27% - 34.00% |
Estimated loss impact:
| 16.27% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 17.73% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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:
| 10 |
First credit line:
| Feb-1996 |
Debt/Income ratio:
| 4% |
|
Credit score:
| 600-620 (Oct-2009) |
Current / open credit lines:
| 7
/
6 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 23 | Length of status: | 0y 5m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $3,468 |
Occupation: | Computer Programmer |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 44% | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 26 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| Neshat |
Borrower's state:
| Massachusetts |
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:
| 11 ( 79% )
| 600-620 (Latest)
|
|
Principal borrowed:
| $1,000.00 | < mo. late:
| 3
( 21% )
| 620-640
(Sep-2009)
640-660
(May-2008)
540-560
(Nov-2007)
|
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 14 | | |
Description
Medical Expense, 2nd time borrower
Purpose of loan:
Medical expense
My financial situation:
I am paying for my mother's medical expenses, I have a stable job and plan to pay it off by Feb 2010 even earlier
Monthly net income: $ 10500
Monthly expenses: $
??Housing: $
900
??Insurance: $ 100
??Car expenses: $
0
??Utilities: $ 80
??Phone, cable, internet: $
200
??Food, entertainment: $
400
??Clothing, household expenses $
200
??Credit cards and other loans: $
500
??Other expenses: $
200
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
Could you explain 26 delinquencies in last 7-yr? Publicly please. Thanks. - cybercop45
A:
Hello
at that time, I was in process of divorce and unfortunately lost my job couple a month after Sep 11th 2001 for 11 month, since then i am repairing my credit.
(Oct-06-2009)
Q:
If this loan is fully funded, what rate would you except? Your previous loan has been paid off early, are you going to do the same with this if possible? Thanks. - cybercop45
A:
the same rate I asked for which is 35%.
as I said in my profile, I am taking care of my mother's medical expenses and i am planning to pay it off in Feb.
I have a very good job and high salary and I manage to have a low cost life style so I have no problem to pay off the loan early.
Thank you
(Oct-06-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| frugalinvestor20 | $25.00 | $25.00 | 10/5/2009 4:22:56 PM |
| Jasmel | $400.00 | $400.00 | 10/5/2009 5:22:58 PM |
| HoyaHeel | $25.00 | $25.00 | 10/6/2009 2:20:07 PM |
| cybercop45 | $25.00 | $25.00 | 10/6/2009 6:55:19 PM |
| donlenboy | $29.80 | $29.80 | 10/7/2009 9:43:06 AM |
| the-profit-oracle | $25.00 | $25.00 | 10/12/2009 10:05:07 AM |
| reflective-rupee | $25.00 | $25.00 | 10/12/2009 8:51:15 PM |
| five-star-note | $25.00 | $2.44 | 10/13/2009 5:46:27 PM |
| Eloise62 | $75.00 | $75.00 | 10/14/2009 7:40:18 AM |
| atrevete | $26.61 | $26.61 | 10/14/2009 2:53:14 PM |
| well-mannered-income3 | $25.00 | $25.00 | 10/14/2009 8:10:04 PM |
| bondhedger | $25.00 | $25.00 | 10/15/2009 5:02:59 AM |
| EEasyMoney | $25.00 | $25.00 | 10/15/2009 7:42:11 AM |
| mustang9935 | $25.00 | $25.00 | 10/15/2009 10:40:58 AM |
| Chrishu | $25.00 | $25.00 | 10/15/2009 1:08:47 PM |
| marwadi-62 | $50.00 | $50.00 | 10/15/2009 4:30:21 PM |
| CoolPlexer | $25.00 | $25.00 | 10/15/2009 7:26:46 PM |
| roux | $25.00 | $25.00 | 10/15/2009 7:38:22 PM |
| unk1911 | $25.00 | $25.00 | 10/16/2009 8:42:27 AM |
| best-generosity-financier | $50.00 | $50.00 | 10/16/2009 4:01:05 PM |
| reflective-rupee | $75.00 | $75.00 | 10/16/2009 4:07:57 PM |
| Thought | $25.00 | $25.00 | 10/6/2009 3:45:13 PM |
| zydeco337 | $28.00 | $28.00 | 10/7/2009 10:19:40 AM |
| noble-revenue | $25.00 | $25.00 | 10/8/2009 6:42:36 PM |
| flwah | $25.00 | $25.00 | 10/9/2009 6:54:32 AM |
| goofy15975 | $25.00 | $25.00 | 10/9/2009 12:36:30 PM |
| capital-galaxy | $200.00 | $200.00 | 10/13/2009 5:34:57 AM |
| dunrizzo | $28.53 | $28.53 | 10/13/2009 9:09:50 PM |
| Prezotus | $25.00 | $25.00 | 10/14/2009 4:29:01 PM |
| eccles | $25.00 | $25.00 | 10/14/2009 6:59:26 PM |
| Finchy78 | $25.00 | $25.00 | 10/15/2009 5:00:45 AM |
| MoneyMover | $25.00 | $25.00 | 10/15/2009 5:59:28 PM |
| bunnybear | $29.62 | $29.62 | 10/16/2009 9:02:06 AM |
| Evolver | $30.00 | $30.00 | 10/16/2009 5:53:51 AM |
| icon7 | $25.00 | $25.00 | 10/16/2009 2:42:15 PM |
| 56bones | $25.00 | $25.00 | 10/16/2009 3:13:29 PM |
| treasure-transporter | $100.00 | $100.00 | 10/16/2009 8:01:07 PM |
| 37 bids
|
Borrower Payment Dependent Notes Series
427842
This series of Notes was issued and sold upon the funding of the borrower loan #38986, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $3,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% |
Auction start date:
| Oct-13-2009 |
| |
Auction end date:
| Oct-18-2009 |
|
|
Starting lender yield:
| 26.47% |
Starting borrower rate/APR:
| 27.47% / 29.81% |
Starting monthly payment:
| $123.23 |
|
Final lender yield:
| 25.35% |
Final borrower rate/APR:
| 26.35% / 28.68% |
Final monthly payment:
| $121.43 |
| |
|
Auction yield range:
| 11.27% - 26.47% |
Estimated loss impact:
| 10.63% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.72% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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:
| 6 |
First credit line:
| Jan-1980 |
Debt/Income ratio:
| 23% |
|
Credit score:
| 720-740 (Oct-2009) |
Current / open credit lines:
| 12
/
10 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 21 | Length of status: | 3y 0m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $10,914 |
Occupation: | Accountant/CPA |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 71% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 4 | | | | |
|
Screen name:
| top-economy-enjoyment |
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
KITHCEN & SCREENED PORCH
Purpose of loan:
??Enlarge my kithchen, make necessary electrical upgrades to entire house and complete electrical to outside porch area?
My financial situation:
I am a good candidate for this loan because I have?steady employment and have an excellent history of paying my bills on time
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| zone8 | $100.00 | $100.00 | 10/13/2009 9:46:13 AM |
| spitzbergen | $25.00 | $25.00 | 10/13/2009 9:49:58 AM |
| fcb202 | $25.00 | $25.00 | 10/13/2009 9:51:39 AM |
| delivery | $25.00 | $25.00 | 10/13/2009 9:50:33 AM |
| anton | $25.00 | $25.00 | 10/13/2009 9:51:00 AM |
| Dreams4Cash | $25.00 | $25.00 | 10/13/2009 9:53:35 AM |
| thedreamer | $25.00 | $25.00 | 10/13/2009 9:53:00 AM |
| secobarbital | $25.00 | $25.00 | 10/13/2009 9:50:19 AM |
| birddogsb | $50.00 | $50.00 | 10/13/2009 9:52:54 AM |
| Havana21 | $50.00 | $50.00 | 10/13/2009 9:53:22 AM |
| loanfairy | $25.00 | $25.00 | 10/13/2009 9:53:49 AM |
| Rogelio48 | $25.00 | $25.00 | 10/13/2009 9:54:24 AM |
| uncleegg | $25.00 | $25.00 | 10/13/2009 10:14:02 AM |
| catomaior | $25.00 | $25.00 | 10/13/2009 10:14:45 AM |
| Wangersinc | $25.00 | $25.00 | 10/13/2009 10:26:23 AM |
| Halos2002 | $50.00 | $50.00 | 10/13/2009 10:27:19 AM |
| VBAces | $25.00 | $25.00 | 10/13/2009 10:28:19 AM |
| mjm77_1 | $25.00 | $25.00 | 10/13/2009 10:34:21 AM |
| AF-Chief | $25.00 | $25.00 | 10/13/2009 11:34:10 AM |
| Banker7371 | $25.00 | $25.00 | 10/13/2009 2:39:45 PM |
| 108lender | $75.00 | $75.00 | 10/13/2009 2:59:18 PM |
| spy0 | $25.00 | $25.00 | 10/13/2009 6:50:27 PM |
| icon7 | $50.00 | $50.00 | 10/13/2009 6:53:56 PM |
| WHEREISTHEMOON | $25.00 | $25.00 | 10/13/2009 7:09:02 PM |
| scottr | $25.00 | $25.00 | 10/13/2009 6:26:28 PM |
| L-vex | $25.00 | $25.00 | 10/13/2009 11:13:31 PM |
| get30inc | $25.00 | $25.00 | 10/14/2009 3:18:13 AM |
| flwah | $25.00 | $25.00 | 10/14/2009 7:19:37 AM |
| jonn834 | $25.00 | $25.00 | 10/14/2009 10:31:09 AM |
| MONEYMATCH | $27.97 | $27.97 | 10/14/2009 2:55:41 PM |
| imlosttoo | $25.00 | $25.00 | 10/14/2009 5:48:39 PM |
| FountainShrugged | $25.00 | $25.00 | 10/14/2009 6:20:40 PM |
| Fuzkaska__F_u_n_d_s | $25.00 | $25.00 | 10/14/2009 8:38:27 PM |
| marcomnzs | $26.93 | $26.93 | 10/14/2009 8:38:27 PM |
| jlr613 | $25.00 | $25.00 | 10/15/2009 5:23:53 AM |
| econman1 | $25.00 | $25.00 | 10/15/2009 6:33:36 AM |
| Papa_Mema | $40.47 | $40.47 | 10/15/2009 6:33:35 AM |
| irrelevant | $25.00 | $25.00 | 10/15/2009 8:58:43 AM |
| BBL | $25.00 | $25.00 | 10/15/2009 8:43:27 AM |
| Learning2Lend | $50.00 | $50.00 | 10/15/2009 9:33:46 AM |
| KevinC_63366 | $25.00 | $25.00 | 10/15/2009 8:53:08 AM |
| lendcraft | $25.00 | $25.00 | 10/15/2009 10:14:54 AM |
| natecam | $25.00 | $11.69 | 10/15/2009 11:29:38 AM |
| dorypro | $25.00 | $25.00 | 10/15/2009 11:36:34 AM |
| icon7 | $25.00 | $25.00 | 10/15/2009 5:29:03 PM |
| sturdy-peace9 | $50.00 | $50.00 | 10/15/2009 6:13:49 PM |
| 101010 | $150.00 | $150.00 | 10/16/2009 8:01:43 AM |
| mercuriant | $25.00 | $25.00 | 10/16/2009 9:32:07 AM |
| personal-lender | $25.00 | $25.00 | 10/13/2009 9:49:41 AM |
| snoopey100 | $25.00 | $25.00 | 10/13/2009 9:48:59 AM |
| SNH | $50.00 | $50.00 | 10/13/2009 9:49:13 AM |
| visionary-currency | $25.00 | $25.00 | 10/13/2009 9:49:30 AM |
| louisianalender | $100.00 | $100.00 | 10/13/2009 9:51:17 AM |
| honorable-yield | $25.00 | $25.00 | 10/13/2009 9:51:49 AM |
| GMPK_TLAS | $25.00 | $25.00 | 10/13/2009 9:50:53 AM |
| tsquared_030 | $25.00 | $25.00 | 10/13/2009 9:52:00 AM |
| wildguy | $25.00 | $25.00 | 10/13/2009 9:52:19 AM |
| CarDealer3070 | $30.00 | $30.00 | 10/13/2009 9:53:07 AM |
| unclejaef | $25.00 | $25.00 | 10/13/2009 9:55:10 AM |
| Prezotus | $25.00 | $25.00 | 10/13/2009 10:14:26 AM |
| noble-revenue | $100.00 | $100.00 | 10/13/2009 10:31:59 AM |
| beezling | $52.00 | $52.00 | 10/13/2009 10:28:54 AM |
| the-silver-blaster | $25.00 | $25.00 | 10/13/2009 10:35:00 AM |
| YogaDude34 | $25.00 | $25.00 | 10/13/2009 10:33:09 AM |
| Artist_Blue | $25.00 | $25.00 | 10/13/2009 11:05:32 AM |
| GElender | $25.00 | $25.00 | 10/13/2009 10:33:50 AM |
| wise-extraordinary-loot | $25.00 | $25.00 | 10/13/2009 11:39:26 AM |
| deal-pinnacle7 | $25.00 | $25.00 | 10/13/2009 12:53:47 PM |
| bnlforever | $25.00 | $25.00 | 10/13/2009 3:03:56 PM |
| ChuckieG | $50.00 | $50.00 | 10/13/2009 4:50:16 PM |
| loan-master996 | $50.00 | $50.00 | 10/13/2009 6:03:45 PM |
| biobulator | $25.00 | $25.00 | 10/13/2009 8:29:05 PM |
| dinero-mason | $50.00 | $50.00 | 10/14/2009 3:58:06 AM |
| Toastsr | $25.00 | $25.00 | 10/14/2009 3:18:32 AM |
| WorldlyWorker | $25.00 | $25.00 | 10/14/2009 4:58:45 AM |
| rdecartus | $25.00 | $25.00 | 10/14/2009 9:33:26 AM |
| heroic-benefit | $25.00 | $25.00 | 10/14/2009 2:48:04 PM |
| ITExec | $28.96 | $28.96 | 10/14/2009 3:20:24 PM |
| jhouman | $25.00 | $25.00 | 10/14/2009 3:53:11 PM |
| leftcoast52 | $25.00 | $25.00 | 10/14/2009 3:33:15 PM |
| nicklds | $25.00 | $25.00 | 10/14/2009 6:08:04 PM |
| red-favorable-basis | $25.00 | $25.00 | 10/15/2009 9:34:22 AM |
| charming-point | $50.00 | $50.00 | 10/15/2009 9:34:02 AM |
| LAM26 | $25.00 | $25.00 | 10/15/2009 9:35:03 AM |
| seisen | $31.98 | $31.98 | 10/15/2009 10:54:59 AM |
| rmachi | $25.00 | $25.00 | 10/15/2009 10:08:19 AM |
| Mantis75 | $25.00 | $25.00 | 10/15/2009 11:08:11 AM |
| brilliant-balance | $25.00 | $25.00 | 10/16/2009 7:38:43 AM |
| LarryNY | $25.00 | $25.00 | 10/16/2009 9:06:49 AM |
| JTHarris | $50.00 | $50.00 | 10/18/2009 8:53:13 AM |
| 90 bids
|
Borrower Payment Dependent Notes Series
428038
This series of Notes was issued and sold upon the funding of the borrower loan #38983, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% |
Auction start date:
| Oct-13-2009 |
| |
Auction end date:
| Oct-15-2009 |
|
|
Starting lender yield:
| 26.47% |
Starting borrower rate/APR:
| 27.47% / 29.81% |
Starting monthly payment:
| $82.16 |
|
Final lender yield:
| 25.35% |
Final borrower rate/APR:
| 26.35% / 28.68% |
Final monthly payment:
| $80.95 |
| |
|
Auction yield range:
| 11.27% - 26.47% |
Estimated loss impact:
| 10.63% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.72% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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:
| 8 |
First credit line:
| Oct-1999 |
Debt/Income ratio:
| 35% |
|
Credit score:
| 660-680 (Oct-2009) |
Current / open credit lines:
| 16
/
13 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 30 | Length of status: | 5y 0m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $10,482 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 46% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 3 | | | | |
|
Screen name:
| economy-cadence9 |
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
Short for wedding expenses
Purpose of loan:
This loan will be used to?pay?the remaining expenses for?my wedding??
My financial situation:
I am a good candidate for this loan because? I have had the same job for 5 years now, I have a family and I pay my debts.? I just ran a little short courtesy of unexpected expenses.
Monthly net income: $ 3500.00
Monthly expenses: $
??Housing: $ 517
??Insurance: $ 20 for car / house insurance is escrowed
??Car expenses: $ NA
??Utilities: $?200 approxiimately
??Phone, cable, internet: $?65.00
??Food, entertainment: $?300.00
??Clothing, household expenses $ 100.00?
??Credit cards and other loans: $ 1200.00
??Other expenses: $ NA
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| zone8 | $100.00 | $100.00 | 10/13/2009 9:46:11 AM |
| snoopey100 | $25.00 | $25.00 | 10/13/2009 9:49:01 AM |
| SNH | $50.00 | $50.00 | 10/13/2009 9:49:17 AM |
| fcb202 | $25.00 | $25.00 | 10/13/2009 9:51:36 AM |
| rapid-power2 | $25.00 | $25.00 | 10/13/2009 9:52:39 AM |
| tsquared_030 | $25.00 | $25.00 | 10/13/2009 9:51:59 AM |
| unequaled-credit7 | $25.00 | $25.00 | 10/13/2009 9:54:13 AM |
| visionary-currency | $25.00 | $25.00 | 10/13/2009 9:49:28 AM |
| nhi | $30.00 | $30.00 | 10/13/2009 9:55:21 AM |
| secobarbital | $25.00 | $25.00 | 10/13/2009 9:50:21 AM |
| SDNLR | $25.00 | $25.00 | 10/13/2009 9:55:53 AM |
| louisianalender | $100.00 | $100.00 | 10/13/2009 9:51:20 AM |
| wildguy | $25.00 | $25.00 | 10/13/2009 9:52:21 AM |
| uncleegg | $25.00 | $25.00 | 10/13/2009 10:13:58 AM |
| catomaior | $25.00 | $25.00 | 10/13/2009 10:14:46 AM |
| Halos2002 | $50.00 | $50.00 | 10/13/2009 10:27:20 AM |
| Hondo | $25.00 | $25.00 | 10/13/2009 10:24:51 AM |
| VBAces | $25.00 | $25.00 | 10/13/2009 10:28:17 AM |
| beezling | $52.00 | $52.00 | 10/13/2009 10:28:52 AM |
| GElender | $25.00 | $25.00 | 10/13/2009 10:33:52 AM |
| jeromeyuan | $25.00 | $25.00 | 10/13/2009 10:32:36 AM |
| AF-Chief | $25.00 | $25.00 | 10/13/2009 11:34:08 AM |
| ChuckieG | $50.00 | $50.00 | 10/13/2009 4:50:12 PM |
| scottr | $25.00 | $25.00 | 10/13/2009 4:06:13 PM |
| glazeddonuts | $25.00 | $25.00 | 10/13/2009 5:40:06 PM |
| biobulator | $25.00 | $25.00 | 10/13/2009 8:29:07 PM |
| WHEREISTHEMOON | $25.00 | $25.00 | 10/13/2009 7:08:58 PM |
| EngineersAlliance | $100.00 | $100.00 | 10/13/2009 9:29:06 PM |
| icon7 | $25.00 | $25.00 | 10/14/2009 11:54:45 AM |
| spitzbergen | $25.00 | $25.00 | 10/13/2009 9:49:55 AM |
| anton | $25.00 | $25.00 | 10/13/2009 9:51:03 AM |
| capital-galaxy | $75.00 | $75.00 | 10/13/2009 9:52:29 AM |
| jonn834 | $25.00 | $25.00 | 10/13/2009 9:52:44 AM |
| thedreamer | $25.00 | $25.00 | 10/13/2009 9:53:01 AM |
| honorable-yield | $25.00 | $25.00 | 10/13/2009 9:51:51 AM |
| Dreams4Cash | $25.00 | $25.00 | 10/13/2009 9:53:32 AM |
| birddogsb | $50.00 | $50.00 | 10/13/2009 9:52:51 AM |
| personal-lender | $25.00 | $25.00 | 10/13/2009 9:49:45 AM |
| delivery | $25.00 | $25.00 | 10/13/2009 9:50:39 AM |
| CarDealer3070 | $30.00 | $30.00 | 10/13/2009 9:53:09 AM |
| Havana21 | $50.00 | $50.00 | 10/13/2009 9:53:20 AM |
| loanfairy | $25.00 | $25.00 | 10/13/2009 9:53:47 AM |
| bronzmajom | $25.00 | $25.00 | 10/13/2009 9:54:02 AM |
| unclejaef | $25.00 | $25.00 | 10/13/2009 9:55:12 AM |
| Prezotus | $25.00 | $25.00 | 10/13/2009 10:14:25 AM |
| Wangersinc | $25.00 | $25.00 | 10/13/2009 10:26:19 AM |
| YogaDude34 | $25.00 | $25.00 | 10/13/2009 10:33:11 AM |
| the-silver-blaster | $25.00 | $25.00 | 10/13/2009 10:34:57 AM |
| deal-pinnacle7 | $25.00 | $25.00 | 10/13/2009 12:53:50 PM |
| wise-extraordinary-loot | $25.00 | $25.00 | 10/13/2009 11:39:24 AM |
| Rogelio48 | $25.00 | $25.00 | 10/13/2009 11:14:40 AM |
| 108lender | $75.00 | $75.00 | 10/13/2009 2:59:21 PM |
| fuzed | $25.00 | $25.00 | 10/13/2009 3:34:15 PM |
| bnlforever | $25.00 | $25.00 | 10/13/2009 5:34:17 PM |
| loan-master996 | $50.00 | $50.00 | 10/13/2009 6:03:49 PM |
| Savings_EQ_Dignity | $25.00 | $25.00 | 10/13/2009 5:46:00 PM |
| icon7 | $50.00 | $50.00 | 10/13/2009 6:49:59 PM |
| Gibbyland | $50.00 | $38.00 | 10/13/2009 9:28:47 PM |
| 58 bids
|
Borrower Payment Dependent Notes Series
425085
This series of Notes was issued and sold upon the funding of the borrower loan #38994, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 14 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% |
Auction start date:
| Sep-23-2009 |
| |
Auction end date:
| Oct-07-2009 |
|
|
Starting lender yield:
| 26.38% |
Starting borrower rate/APR:
| 27.38% / 31.34% |
Starting monthly payment:
| $41.03 |
|
Final lender yield:
| 15.00% |
Final borrower rate/APR:
| 16.00% / 19.69% |
Final monthly payment:
| $35.16 |
| |
|
Auction yield range:
| 11.27% - 26.38% |
Estimated loss impact:
| 10.34% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 4.66% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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:
| 7 |
First credit line:
| Oct-2000 |
Debt/Income ratio:
| 5% |
|
Credit score:
| 640-660 (Sep-2009) |
Current / open credit lines:
| 1
/
1 | Employment status: | Full-time employee |
|
Now delinquent:
| 1 |
Total credit lines:
| 4 | Length of status: | 1y 2m |
|
Amount delinquent:
| $179 |
Revolving credit balance:
| $0 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 0% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| samajenee |
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.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 16 ( 100% )
| 640-660 (Latest)
|
|
Principal borrowed:
| $2,500.00 | < mo. late:
| 0
( 0% )
| 660-680
(Apr-2008)
640-660
(Dec-2007)
640-660
(Nov-2007)
|
|
Principal balance:
| $1,562.53 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 16 | | |
Description
2ND LOAN. NO MISSED PAYMENTS.
Purpose of loan: PLEASE READ!!!! I WON"T LET YOU DOWN!!!! 2nd Loan. NO MISSED PAYMENTS~~
(explain what you will be using this loan for)
I am a?29 year old woman that has a college degree in Business Administration. I am an Army Veteran and I am very responsible. I have two cars in my name that are completely paid off. I am currently paying rent on an apartment right now and have NEVER missed? a payment.? I will be?getting 2 degrees at one time, but will have money left over every month(GI BILL) to?help me pay this debt.? I would?not have a?problem paying this loan.
?I would like to pay off some previous expenses to raise my credit score and totally eliminate my debt.T
I would really appreciate your help and would not let you down. Thanks.
My financial situation:
(explain why you are a good candidate for paying back this loan)?
I would definitely like to eliminate the debt I now have.. I know that my credit rating is low,?but I am trustworthy, I am trying to build my credit,?not destroy it. This could help get me there.
CURRENT ON FIRST LOAN. WANT TO USE THIS MONEY TO CONSOLIDATE AND LOWER INTEREST RATE. PAY OFF EXISTING LOAN.
Monthly net income: $2600-job
Monthly expenses: $
??Housing: $ 570 (Current, NO?MISSED PAYMENTS)
??Insurance: $ 50
??Car expenses: $ 0 (Car paid for entirely)
??Utilities:?Payment plan (?I am a good customer so I try to just pay it weekly, but I am a little behind. Owe a?little over $200.)
??Food, entertainment: $?200
??Credit cards and other loans: $ NO, NO , NO? Credit Card debt.
Loan totaling...$1700. (PROSPER LOAN. WANT TO PAY THIS OFF.) EST. LOWER INTEREST RATE.
BASICALLY WANT TO GET BACK ON TRACK WITH MY PAYCHECKS. PLAN TO BE LOAN FREE BY NEXT YEAR~~~
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| BlueProteus | $25.00 | $25.00 | 10/6/2009 5:45:40 PM |
| mclean_loaner | $50.00 | $50.00 | 10/6/2009 6:17:11 PM |
| surferracerskaterboy | $50.00 | $50.00 | 10/6/2009 7:32:08 PM |
| maccpro1 | $50.00 | $50.00 | 10/7/2009 7:21:26 AM |
| lasalle123 | $50.00 | $50.00 | 10/7/2009 5:34:10 AM |
| martymaniaman | $50.00 | $50.00 | 10/7/2009 7:09:41 AM |
| Leshan | $58.26 | $58.26 | 10/7/2009 12:08:36 PM |
| Jazzy503 | $25.00 | $25.00 | 10/7/2009 3:15:25 PM |
| SuperDoucheBag | $35.00 | $35.00 | 10/7/2009 3:30:51 PM |
| 4mydaughterseducation | $35.00 | $35.00 | 10/7/2009 3:55:35 PM |
| Engineer44 | $25.00 | $25.00 | 10/7/2009 3:59:12 PM |
| PXM-Financial | $50.00 | $50.00 | 10/7/2009 1:05:43 PM |
| lnrn | $25.46 | $25.46 | 10/7/2009 2:08:28 PM |
| jpblan11 | $45.99 | $45.99 | 10/7/2009 3:44:02 PM |
| shawnw2 | $35.00 | $5.39 | 10/7/2009 3:58:01 PM |
| loans_to_loan | $25.00 | $25.00 | 10/7/2009 3:46:39 PM |
| lizphan1 | $25.00 | $25.00 | 10/5/2009 10:40:22 PM |
| jhernand17 | $25.00 | $25.00 | 10/6/2009 9:16:42 PM |
| maga | $50.00 | $50.00 | 10/7/2009 8:50:40 AM |
| loanman2007 | $100.00 | $100.00 | 10/7/2009 10:27:07 AM |
| macbeck22 | $45.00 | $45.00 | 10/7/2009 10:09:10 AM |
| ezvest | $49.90 | $49.90 | 10/7/2009 1:40:15 PM |
| best-generosity-financier | $25.00 | $25.00 | 10/7/2009 3:58:52 PM |
| realtormoises | $25.00 | $25.00 | 10/7/2009 1:04:56 PM |
| quiggles | $25.00 | $25.00 | 10/7/2009 1:27:53 PM |
| beans53 | $25.00 | $25.00 | 10/7/2009 2:33:43 PM |
| 26 bids
|
Borrower Payment Dependent Notes Series
426479
This series of Notes was issued and sold upon the funding of the borrower loan #39009, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,500.00 |
Prosper Rating:
| D |
Auction Duration:
| 14 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% |
Auction start date:
| Oct-01-2009 |
| |
Auction end date:
| Oct-15-2009 |
|
|
Starting lender yield:
| 26.38% |
Starting borrower rate/APR:
| 27.38% / 29.72% |
Starting monthly payment:
| $102.57 |
|
Final lender yield:
| 26.38% |
Final borrower rate/APR:
| 27.38% / 29.72% |
Final monthly payment:
| $102.57 |
| |
|
Auction yield range:
| 11.27% - 26.38% |
Estimated loss impact:
| 10.66% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.72% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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:
| 7 |
First credit line:
| Jan-1978 |
Debt/Income ratio:
| 20% |
|
Credit score:
| 700-720 (Sep-2009) |
Current / open credit lines:
| 12
/
11 | Employment status: | Part-time employee |
|
Now delinquent:
| 1 |
Total credit lines:
| 35 | Length of status: | 12y 8m |
|
Amount delinquent:
| $269 |
Revolving credit balance:
| $59,403 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 79% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| needhelpnow |
Borrower's state:
| California |
Borrower's group:
| FANAFI Financial |
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:
| 35 ( 97% )
| 700-720 (Latest)
|
|
Principal borrowed:
| $6,000.00 | < mo. late:
| 1
( 3% )
| 700-720
(Apr-2006)
|
|
Principal balance:
| $0.00 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 36 | | |
Description
2nd loan 1st paid on time in full
Thanks for reviewing my request.??
I had a prior loan with prosper that I paid off completely. I have finally been able to reset my mortgage to save my house but now I need to get my bills current.?Prior to the mortgage probIem, I actually had very good credit.? I have never been in this situation.? I?had to use my credit cards?while I was waiting for my mortgage to be reduced. ?I can finally?get back on track with a little help.??I work part time for an airline.?? I usually can work extra hours and I was working almost ?40 hours a week.?? Unfortunately,? the?hours have been kept to strictly part time given the status of the industry.? I also work part time as a substitute teacher.? I should be able to pay this loan off when I file my taxes in January.? I just need a little help until then.
I know what direction that I need to take in the future but that will be difficult until I can keep my bills current.??
I would like?to improve my credit rating to where it was before the above problems.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
could you please explain the delinquency? thanks - reflective-rupee
A:
my work hours were approx 40week than they were reduced to half. I could not pay all of my bills so some got delinquent. I have been trying to catch up. I
(Oct-13-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| drg6289 | $25.00 | $25.00 | 10/5/2009 7:11:36 PM |
| CA_Lender | $25.00 | $25.00 | 10/11/2009 10:54:23 PM |
| reflective-rupee | $25.00 | $18.66 | 10/12/2009 8:16:20 PM |
| the-profit-oracle | $25.00 | $25.00 | 10/12/2009 5:02:49 PM |
| deal_11 | $75.00 | $75.00 | 10/13/2009 5:51:29 PM |
| Nasdaq | $25.00 | $25.00 | 10/13/2009 9:30:22 PM |
| Chrishu | $25.00 | $25.00 | 10/14/2009 7:36:18 AM |
| shawnw2 | $35.00 | $35.00 | 10/14/2009 7:38:49 AM |
| kindness-jedi | $25.00 | $25.00 | 10/14/2009 4:18:08 PM |
| LarWit1512 | $25.00 | $25.00 | 10/14/2009 4:29:10 PM |
| investment-cluster | $25.00 | $25.00 | 10/14/2009 5:22:23 PM |
| pnqiad | $25.00 | $25.00 | 10/15/2009 7:29:32 AM |
| onecooldrink | $25.00 | $25.00 | 10/15/2009 8:32:48 AM |
| shawnw2 | $50.00 | $50.00 | 10/15/2009 8:43:47 AM |
| MrLeft | $25.00 | $25.00 | 10/15/2009 9:46:28 AM |
| JayIsABear | $26.80 | $26.80 | 10/15/2009 10:14:26 AM |
| roswellandy | $25.00 | $25.00 | 10/15/2009 11:55:19 AM |
| generous-deal6 | $25.00 | $25.00 | 10/15/2009 12:20:04 PM |
| dorypro | $25.00 | $25.00 | 10/15/2009 11:39:18 AM |
| GreenHill | $25.00 | $25.00 | 10/15/2009 11:10:45 AM |
| Skeptical-one | $75.00 | $75.00 | 10/15/2009 11:46:27 AM |
| epic-payout | $25.00 | $25.00 | 10/15/2009 2:13:11 PM |
| reflective-rupee | $50.00 | $50.00 | 10/15/2009 3:04:07 PM |
| reflective-rupee | $75.00 | $75.00 | 10/15/2009 3:06:40 PM |
| Rackmaster32 | $25.00 | $25.00 | 10/15/2009 3:00:37 PM |
| branaa99 | $25.00 | $25.00 | 10/15/2009 3:01:56 PM |
| RKLFinancial | $50.00 | $50.00 | 10/15/2009 3:36:02 PM |
| BuffetRocks | $50.00 | $50.00 | 10/12/2009 9:57:50 AM |
| dudebrah | $25.00 | $25.00 | 10/12/2009 12:21:56 PM |
| EretzCapital | $200.00 | $200.00 | 10/12/2009 3:35:33 PM |
| MoneyForNothing | $25.00 | $25.00 | 10/14/2009 6:49:02 AM |
| well-mannered-income3 | $25.00 | $25.00 | 10/14/2009 4:28:13 PM |
| LibbyZ | $50.00 | $50.00 | 10/14/2009 4:29:19 PM |
| adorable-commitment | $25.00 | $25.00 | 10/14/2009 6:01:10 PM |
| zone6 | $50.00 | $50.00 | 10/14/2009 7:05:35 PM |
| vigilance-searcher | $50.00 | $50.00 | 10/15/2009 8:04:55 AM |
| Skeptical-one | $50.00 | $50.00 | 10/15/2009 8:04:45 AM |
| boodo | $283.70 | $283.70 | 10/15/2009 8:39:49 AM |
| BankOfThomas | $25.10 | $25.10 | 10/15/2009 10:08:03 AM |
| nykidd | $100.00 | $100.00 | 10/15/2009 9:54:19 AM |
| lakefront5 | $45.00 | $45.00 | 10/15/2009 10:04:52 AM |
| Leshan | $100.00 | $100.00 | 10/15/2009 10:33:24 AM |
| m60gpmg | $50.00 | $50.00 | 10/15/2009 11:49:30 AM |
| impressive-fund0 | $30.00 | $30.00 | 10/15/2009 1:43:27 PM |
| shawnw2 | $59.74 | $59.74 | 10/15/2009 2:15:46 PM |
| reflective-rupee | $50.00 | $50.00 | 10/15/2009 3:05:03 PM |
| the-silver-blaster | $50.00 | $50.00 | 10/15/2009 3:02:43 PM |
| active-return | $25.00 | $25.00 | 10/15/2009 3:06:01 PM |
| Rule62 | $25.00 | $25.00 | 10/15/2009 2:12:30 PM |
| seadogs | $25.00 | $25.00 | 10/15/2009 2:52:28 PM |
| Engineer44 | $26.00 | $26.00 | 10/15/2009 3:44:22 PM |
| reflective-rupee | $50.00 | $50.00 | 10/15/2009 3:05:56 PM |
| thegreatone | $100.00 | $100.00 | 10/15/2009 3:43:31 PM |
| 53 bids
|
Borrower Payment Dependent Notes Series
426623
This series of Notes was issued and sold upon the funding of the borrower loan #38974, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 14 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% |
Auction start date:
| Oct-02-2009 |
| |
Auction end date:
| Oct-16-2009 |
|
|
Starting lender yield:
| 30.51% |
Starting borrower rate/APR:
| 31.51% / 33.91% |
Starting monthly payment:
| $86.57 |
|
Final lender yield:
| 28.00% |
Final borrower rate/APR:
| 29.00% / 31.36% |
Final monthly payment:
| $83.81 |
| |
|
Auction yield range:
| 11.27% - 30.51% |
Estimated loss impact:
| 10.70% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 17.30% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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:
| 7 |
First credit line:
| Jul-1988 |
Debt/Income ratio:
| 10% |
|
Credit score:
| 660-680 (Oct-2009) |
Current / open credit lines:
| 0
/
0 | Employment status: | Full-time employee |
|
Now delinquent:
| 4 |
Total credit lines:
| 9 | Length of status: | 5y 8m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $0 |
Occupation: | Engineer - Mechanic... |
|
Public records last 12m / 10y:
| 0/ 2 |
Bankcard utilization:
| 0% | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 1 | | | | |
|
Screen name:
| auction-cocktail |
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
Finishing The Man Cave Basement
Purpose of loan:
This loan will be used to?Finish Basement for my Family?
My financial situation:
I am a good candidate for this loan because?I am very reliable and dedicated to complete this project and pay down loan quickly.?
Monthly net income: $
3750.00
Monthly expenses: $
??Housing: $ 680.00
??Insurance: $120.00
??Car expenses: $ 100.00
??Utilities: $ 200.00
??Phone, cable, internet: $ 120.00
??Food, entertainment: $ 150.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $none
??Other expenses: $ union dues 51.00
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| MOVet | $25.00 | $25.00 | 10/4/2009 6:18:13 PM |
| IPG1 | $25.00 | $25.00 | 10/12/2009 2:03:44 PM |
| investment-visionary | $25.00 | $25.00 | 10/14/2009 1:33:14 PM |
| JTHarris | $50.00 | $50.00 | 10/14/2009 2:14:46 PM |
| Cypher041 | $27.51 | $27.51 | 10/15/2009 10:20:14 AM |
| maga | $25.00 | $25.00 | 10/15/2009 10:27:47 AM |
| Capital_Infusion | $25.00 | $25.00 | 10/15/2009 2:55:58 PM |
| flexible-economy2 | $200.00 | $200.00 | 10/15/2009 6:26:40 PM |
| buffalobills | $25.00 | $25.00 | 10/15/2009 5:58:54 PM |
| meggo33 | $25.00 | $25.00 | 10/16/2009 1:18:25 AM |
| ValyaLibra01 | $50.00 | $50.00 | 10/15/2009 7:49:49 PM |
| autonomous-power | $50.00 | $50.00 | 10/15/2009 9:47:48 PM |
| balance-warrior | $25.00 | $25.00 | 10/16/2009 9:38:38 AM |
| umfan123 | $30.94 | $30.94 | 10/16/2009 8:40:54 AM |
| thrilling-transaction1 | $25.00 | $25.00 | 10/16/2009 9:31:50 AM |
| srfb973 | $50.00 | $50.00 | 10/16/2009 10:59:09 AM |
| new-truth-chuckler | $25.00 | $25.00 | 10/16/2009 10:09:05 AM |
| zone6 | $50.00 | $50.00 | 10/16/2009 10:19:03 AM |
| gold-cluster | $100.00 | $100.00 | 10/16/2009 1:26:49 PM |
| Zipcut | $50.00 | $50.00 | 10/16/2009 10:47:12 AM |
| coyone | $40.00 | $40.00 | 10/16/2009 1:08:01 PM |
| Leshan | $50.00 | $50.00 | 10/16/2009 12:30:21 PM |
| Credit4Talent | $28.00 | $28.00 | 10/16/2009 12:48:47 PM |
| reflective-rupee | $75.00 | $75.00 | 10/16/2009 2:57:52 PM |
| well-mannered-income3 | $25.00 | $25.00 | 10/16/2009 3:08:42 PM |
| Engineer44 | $35.00 | $35.00 | 10/16/2009 4:10:43 PM |
| the-profit-oracle | $25.00 | $25.00 | 10/10/2009 11:22:11 AM |
| bdruss | $25.00 | $25.00 | 10/13/2009 2:34:48 PM |
| Bobafet | $25.00 | $25.00 | 10/13/2009 4:09:21 PM |
| Chrishu | $25.00 | $25.00 | 10/14/2009 12:53:22 PM |
| gelt4u | $25.00 | $25.00 | 10/14/2009 1:27:12 PM |
| investment-cluster | $25.00 | $25.00 | 10/14/2009 5:24:03 PM |
| lasalle123 | $50.00 | $50.00 | 10/15/2009 8:11:37 AM |
| deepblue34 | $30.00 | $30.00 | 10/15/2009 7:56:18 PM |
| jtc26 | $42.97 | $42.97 | 10/15/2009 8:19:34 PM |
| piano55 | $37.19 | $37.19 | 10/16/2009 8:58:20 AM |
| realtormoises | $25.00 | $25.00 | 10/16/2009 9:34:36 AM |
| DMKAssetManagement | $100.00 | $100.00 | 10/16/2009 9:20:01 AM |
| LEO_B | $25.00 | $25.00 | 10/16/2009 2:21:23 PM |
| reflective-rupee | $75.00 | $75.00 | 10/16/2009 2:57:32 PM |
| Bidders | $100.00 | $100.00 | 10/16/2009 1:25:38 PM |
| sunshinysmiles | $25.00 | $25.00 | 10/16/2009 1:18:59 PM |
| jybank | $25.00 | $25.00 | 10/16/2009 3:36:42 PM |
| icon7 | $50.00 | $50.00 | 10/16/2009 2:39:29 PM |
| Medic05 | $25.00 | $25.00 | 10/16/2009 3:48:48 PM |
| reflective-rupee | $75.00 | $28.39 | 10/16/2009 2:58:09 PM |
| brightest-economy-tsunami | $25.00 | $25.00 | 10/16/2009 4:03:35 PM |
| best-generosity-financier | $25.00 | $25.00 | 10/16/2009 4:09:42 PM |
| 48 bids
|
Borrower Payment Dependent Notes Series
426651
This series of Notes was issued and sold upon the funding of the borrower loan #38991, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,000.00 |
Prosper Rating:
| E |
Auction Duration:
| 14 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.7% |
Auction start date:
| Oct-02-2009 |
| |
Auction end date:
| Oct-16-2009 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $90.47 |
|
Final lender yield:
| 33.00% |
Final borrower rate/APR:
| 34.00% / 36.44% |
Final monthly payment:
| $89.34 |
| |
|
Auction yield range:
| 14.27% - 34.00% |
Estimated loss impact:
| 16.22% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 16.78% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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:
| 7 |
First credit line:
| Aug-2001 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 600-620 (Oct-2009) |
Current / open credit lines:
| 16
/
15 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 43 | Length of status: | 3y 4m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $28,280 |
Occupation: | Sales - Commission |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 71% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 3 | | | | |
|
Screen name:
| cd7 |
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.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 20 ( 100% )
| 600-620 (Latest)
|
|
Principal borrowed:
| $5,000.00 | < mo. late:
| 0
( 0% )
| 620-640
(Aug-2009)
620-640
(Jan-2008)
|
|
Principal balance:
| $2,598.12 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 20 | | |
Description
Medical Bills
Purpose of loan:
This loan will be used to pay off medical bills that insurance would not cover.
My financial situation:
I am a good candidate for this loan because I have never been late on any credit card payments or any other loans that I have had.? I am currently a homeowner with outstanding repayment history.? I am looking for some help to get rid of these medical bills. I currently have a prosper loan in good repayment status.
Monthly net income: $ 4470 (includes spouse income)
Monthly expenses: $ 3525
??Housing: $ 1680
??Insurance:?$0
??Car expenses: $400
??Utilities: $ 250
??Phone, cable, internet: $ 80
??Food, entertainment: $ 400
??Clothing, household expenses $ 150
??Credit cards and other loans: $?700 (includes 4 student loans)
??Other expenses: $180 (Current Prosper Loan)
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
Could you please comment on the nature of your sales position and any vulnerability of your company or commission level in this poor economy? Thanks much. - reflective-rupee
A:
I am currently employed as manufacturer representative in the Residential and Commercial Industry. We have a base salary of 40k a year and any additional sales becomes commission. With the way times are now we have had ups and downs in commissions, however, we are still making salary requirements.
(Oct-09-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Unitas4302 | $50.00 | $50.00 | 10/6/2009 11:45:48 AM |
| shawnw2 | $75.00 | $75.00 | 10/14/2009 9:36:54 AM |
| martymaniaman | $25.00 | $25.00 | 10/15/2009 7:37:04 AM |
| gelt4u | $25.00 | $25.00 | 10/15/2009 9:49:05 AM |
| turbobunny | $25.00 | $25.00 | 10/15/2009 8:05:16 PM |
| flexible-economy2 | $200.00 | $200.00 | 10/15/2009 6:27:40 PM |
| beach_bum | $25.00 | $25.00 | 10/16/2009 8:04:32 AM |
| FollowMe2Freedom | $25.00 | $25.00 | 10/16/2009 6:54:51 AM |
| JTHarris | $25.00 | $25.00 | 10/16/2009 6:57:41 AM |
| loan-eagle9 | $25.00 | $25.00 | 10/16/2009 9:43:43 AM |
| coyone | $40.79 | $40.79 | 10/16/2009 1:07:24 PM |
| icon7 | $50.00 | $50.00 | 10/16/2009 2:40:32 PM |
| LAKETIME | $25.00 | $25.00 | 10/16/2009 3:19:36 PM |
| reflective-rupee | $25.00 | $25.00 | 10/16/2009 3:25:38 PM |
| branaa99 | $25.00 | $25.00 | 10/16/2009 3:43:41 PM |
| reflective-rupee | $150.00 | $150.00 | 10/16/2009 4:05:29 PM |
| shawnw2 | $35.00 | $35.00 | 10/13/2009 9:13:43 PM |
| Chrishu | $25.00 | $25.00 | 10/14/2009 12:57:13 PM |
| investment-cluster | $25.00 | $25.00 | 10/14/2009 5:24:42 PM |
| CA_Lender | $25.00 | $25.00 | 10/14/2009 6:11:55 PM |
| shawnw2 | $50.00 | $50.00 | 10/15/2009 8:41:22 AM |
| Rule62 | $25.00 | $25.00 | 10/15/2009 2:18:16 PM |
| Moe87 | $25.00 | $25.00 | 10/15/2009 4:26:05 PM |
| the-silver-blaster | $75.00 | $75.00 | 10/15/2009 3:08:24 PM |
| jybank | $25.00 | $25.00 | 10/15/2009 5:13:43 PM |
| VitaminFunk | $25.00 | $25.00 | 10/15/2009 8:02:37 PM |
| beuford7 | $25.00 | $25.00 | 10/15/2009 9:01:30 PM |
| glenium | $25.00 | $25.00 | 10/16/2009 3:50:34 AM |
| Bobusa | $25.00 | $25.00 | 10/16/2009 5:08:53 AM |
| MoneyForNothing | $25.00 | $25.00 | 10/16/2009 7:06:19 AM |
| plaudvr07 | $25.00 | $25.00 | 10/16/2009 9:21:30 AM |
| balance-warrior | $25.00 | $25.00 | 10/16/2009 9:47:08 AM |
| semdoc1 | $50.00 | $50.00 | 10/16/2009 8:32:20 AM |
| Leshan | $75.00 | $75.00 | 10/16/2009 12:37:12 PM |
| treasure-transporter | $100.00 | $100.00 | 10/16/2009 12:38:10 PM |
| just-trade0 | $25.00 | $25.00 | 10/16/2009 1:45:09 PM |
| gold-cluster | $100.00 | $100.00 | 10/16/2009 12:58:10 PM |
| johnpmid | $25.00 | $25.00 | 10/16/2009 12:09:14 PM |
| epic-payout | $100.00 | $99.21 | 10/16/2009 1:59:56 PM |
| well-mannered-income3 | $25.00 | $25.00 | 10/16/2009 3:11:05 PM |
| rvfbroker | $25.00 | $25.00 | 10/16/2009 4:03:55 PM |
| brightest-economy-tsunami | $25.00 | $25.00 | 10/16/2009 4:06:29 PM |
| Mikale360 | $25.00 | $25.00 | 10/16/2009 4:03:54 PM |
| reflective-rupee | $125.00 | $125.00 | 10/16/2009 4:05:55 PM |
| 44 bids
|
Borrower Payment Dependent Notes Series
426669
This series of Notes was issued and sold upon the funding of the borrower loan #38997, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 14 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% |
Auction start date:
| Oct-02-2009 |
| |
Auction end date:
| Oct-15-2009 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.73% |
Starting monthly payment:
| $67.85 |
|
Final lender yield:
| 34.00% |
Final borrower rate/APR:
| 35.00% / 37.73% |
Final monthly payment:
| $67.85 |
| |
|
Auction yield range:
| 17.27% - 34.00% |
Estimated loss impact:
| 20.01% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.99% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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:
| 5 |
First credit line:
| Jul-1981 |
Debt/Income ratio:
| 21% |
|
Credit score:
| 660-680 (Oct-2009) |
Current / open credit lines:
| 7
/
7 | Employment status: | Full-time employee |
|
Now delinquent:
| 0 |
Total credit lines:
| 25 | Length of status: | 30y 4m |
|
Amount delinquent:
| $0 |
Revolving credit balance:
| $5,431 |
Occupation: | Administrative Assi... |
|
Public records last 12m / 10y:
| 0/ 0 |
Bankcard utilization:
| 98% | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 3 |
Homeownership:
| Yes | | |
|
Inquiries last 6m:
| 1 | | | | |
|
Screen name:
| generosity-venus |
Borrower's state:
| Alabama |
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 a debt
Purpose of loan:
This loan will be used to?
pay off a debt that is not an installment loan.
My financial situation:
I am a good candidate for this loan because?
I can make payments on an installment loan, however, the problem with the loan that I want to pay off is I have to pay it in full.? The below monthly expenses are not mine solely since my husband also pays these.
Monthly net income: $ 1,389.00 biweekly
Monthly expenses: $
??Housing: $
683.00
??Insurance: $
117.00
??Car expenses: $
400.00
??Utilities: $
280.00
??Phone, cable, internet: $
315.00
??Food, entertainment: $
800.00
??Clothing, household expenses $
??Credit cards and other loans: $ 780.74
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
What is your husband's monthly income, and does he have any other expenses than those shown for you? thanks - reflective-rupee
A:
His take home pay is $2,550.37. He has two loans for vehicles taken out of his check since they are financed where he banks. The loan payments are $288.00 and $103.00. He also has some money put into savings from his paycheck but we withdraw that every month right now.
(Oct-14-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| suomynona | $25.00 | $25.00 | 10/2/2009 4:17:39 PM |
| kingbob | $25.10 | $25.10 | 10/9/2009 1:19:06 PM |
| reflective-rupee | $25.00 | $25.00 | 10/12/2009 8:24:41 PM |
| fallentimbers | $25.00 | $25.00 | 10/4/2009 10:54:25 AM |
| LAKETIME | $25.00 | $25.00 | 10/5/2009 7:04:44 AM |
| well-mannered-income3 | $25.00 | $25.00 | 10/15/2009 5:29:55 AM |
| maga | $1,350.00 | $1,349.90 | 10/15/2009 10:40:52 AM |
| 7 bids
|
Borrower Payment Dependent Notes Series
427395
This series of Notes was issued and sold upon the funding of the borrower loan #38990, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,390.00 |
Prosper Rating:
| E |
Auction Duration:
| 14 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.0% |
Auction start date:
| Oct-08-2009 |
| |
Auction end date:
| Oct-12-2009 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.95% |
Starting monthly payment:
| $62.88 |
|
Final lender yield:
| 34.00% |
Final borrower rate/APR:
| 35.00% / 37.96% |
Final monthly payment:
| $62.88 |
| |
|
Auction yield range:
| 14.27% - 34.00% |
Estimated loss impact:
| 15.57% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 18.43% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans. The Estimated Return presented above does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan 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:
| 6 |
First credit line:
| Oct-1989 |
Debt/Income ratio:
| 3% |
|
Credit score:
| 640-660 (Sep-2009) |
Current / open credit lines:
| 3
/
3 | Employment status: | Full-time employee |
|
Now delinquent:
| 5 |
Total credit lines:
| 12 | Length of status: | 2y 3m |
|
Amount delinquent:
| $777 |
Revolving credit balance:
| $60 |
Occupation: | Computer Programmer |
|
Public records last 12m / 10y:
| 0/ 3 |
Bankcard utilization:
| 8% | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Homeownership:
| No | | |
|
Inquiries last 6m:
| 0 | | | | |
|
Screen name:
| databaseguy |
Borrower's state:
| NewHampshire |
Borrower's group:
| BORROWERS - Free instant Listings - 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:
| 1 / 1 |
On-time:
| 13 ( 87% )
| 640-660 (Latest)
|
|
Principal borrowed:
| $2,950.00 | < mo. late:
| 2
( 13% )
| 600-620
(Aug-2009)
520-540
(Jun-2008)
520-540
(Nov-2007)
520-540
(Aug-2007)
|
|
Principal balance:
| $2,017.33 |
1+ mo. late:
| 0
( 0% )
|
|
Total payments billed:
| 15 | | |
Description
Existing Prosper - Relisting
Relisting due to an error in my address on the prior listing
My financial situation:
Existing Prosper loan with reliable payment record.
Substantial disposable? income
Low DTI
Consistently improving credit
More than 20 years continuous employment in my field, more than 2 years at my current job
I?ve completed four IT certifications in the last year, and I want to complete four more in the next six months. I want to keep improving my skills to keep my income up and my job secure.
My credit score improved 100 points since my previous Prosper loan was taken out, and I'm building new credit while repairing my problems from 5-6 years ago. These were one-time problems stemming from a divorce.?
Purpose of Loan:
??? Pay off?prior delinquencies?- $777
????Career training - Red Hat Certified Technician certification - Training materials and exams?- $613
Monthly net income: $ 5030
Monthly expenses:
????Housing: $ 900
????Insurance: $ 260 (Health & Auto)
????Car expenses: $ 140 (car paid off, just gas&oil)
????Phone, cable, internet: $ 145
????Food, entertainment: $ 425
????Clothing, household expenses $ 125
????IRS payment plan? $300
??? Existing Prosper loan $134?
Total expenses: ??? $ 2429
Amount remaining monthly to pay new Prosper loan: $ 2601
Thank you very much for reviewing my loan request!
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
Please ezplain the $777 delinquency... - periko
A:
Two medical bills, a final phone bill and a final insurance bill that I thought had been paid before my move in 2003. I found out that they were still outstanding when they showed up on my credit report years later.
(Oct-11-2009)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Jasmel | $50.00 | $50.00 | 10/8/2009 4:23:36 PM |
| AndyT1999 | $25.00 | $25.00 | 10/9/2009 10:06:50 AM |
| brother_tam | $50.00 | $50.00 | 10/10/2009 9:45:59 AM |
| aztocas | $25.00 | $25.00 | 10/10/2009 11:17:40 AM |
| periko | $50.00 | $50.00 | 10/11/2009 8:52:10 AM |
| noble-revenue | $25.00 | $25.00 | 10/12/2009 3:29:52 PM |
| noble-revenue | $1,300.00 | $1,005.00 | 10/12/2009 11:09:58 PM |
| dblakels | $25.00 | $25.00 | 10/9/2009 7:05:25 AM |
| EEasyMoney | $25.00 | $25.00 | 10/9/2009 10:44:05 PM |
| the-profit-oracle | $25.00 | $25.00 | 10/10/2009 1:12:50 PM |
| LAKETIME | $25.00 | $25.00 | 10/10/2009 5:58:17 AM |
| the-profit-oracle | $25.00 | $25.00 | 10/10/2009 1:09:42 PM |
| rustysailor | $35.00 | $35.00 | 10/12/2009 7:10:46 PM |
| 13 bids
|