Sales Report:Supplement No. 210 dated Jun 03, 2010 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
457461
This series of Notes was issued and sold upon the funding of the borrower loan #42783, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $6,500.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 6.5% |
Auction start date:
| May-24-2010 |
| |
Auction end date:
| May-31-2010 |
|
|
Starting lender yield:
| 18.90% |
Starting borrower rate/APR:
| 19.90% / 22.14% |
Starting monthly payment:
| $241.23 |
|
Final lender yield:
| 18.90% |
Final borrower rate/APR:
| 19.90% / 22.14% |
Final monthly payment:
| $241.23 |
| |
|
Auction yield range:
| 7.99% - 18.90% |
Estimated loss impact:
| 6.94% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 11.96% | | |
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 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 scores:
| |
First credit line:
| Nov-1994 |
Debt/Income ratio:
| 20% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 11
/
11 | Length of status: | 21y 9m |
|
Credit score:
| 660-679 (May-2010) |
Total credit lines:
| 22 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $23,194 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 74% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| tom_s |
Borrower's state:
| California |
Borrower's group:
| FUTURE FINANCIAL FREEDOM 1 |
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 high interest credit card
This borrower was not required to write a description based on the listing's likelihood to fund.
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:
FYI I do not bid on applications that do not describe the purpose. - Loan_Stranger
A:
Thanks for your message. The purpose of the loan is to pay off balances on two credit cards that have raised there interest rates to 29% and 30%.
Your point is taken and I will amend my listing to describe the purpose.
(May-26-2010)
Q:
Why is your credit card balance so high? - clandrummer
A:
Thanks for your question. And its a good one! The credit card company raised the APR shortly before the new credit lending law went into effect, up to 30%. There are no delinquencies or late payments on the account. I guess Chase just wanted to get a rate hike in on their customers while they could. Once the balance is paid off, the account will be closed. Thanks again for your interest in my loan request. If you have any more questions, I am happy to answer them.
(May-28-2010)
Q:
FYI- I would not close the account after it is paid because it could hurt your credit score. Just don't use it and if you do just pay it off within the grace period. I am not a credit counselor but this is just what I have personally learned. - 1LendingSource
A:
Thanks for the advice. I was tempted to close the account, but your advice makes sense.
(May-29-2010)
Q:
How are you earning an income now? You're revolving debt is over $23K. How is borrowing $6500 going to close your total debt. Please answer publicly - XCWIZ007
A:
Thanks for the question.
I am earning money as a sound engineer (with the same employer for over 20 years as indicated in my profile), and as a blogger and freelance writer.
I obviously won't be able to close my entire debt. I recently had two credit cards raise interest rates to 30% just prior to the new fair lending law taking effect. I would rather pay investors like you a reasonable non-compounding rate of return than Chase. This will facilitate retiring all my debt.
(May-31-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| dloan | $25.00 | $25.00 | 5/24/2010 3:44:46 PM |
| dloan | $25.00 | $25.00 | 5/24/2010 3:57:12 PM |
| successful-euro | $30.00 | $30.00 | 5/24/2010 3:57:41 PM |
| PRGuyinVA | $25.00 | $25.00 | 5/24/2010 4:14:24 PM |
| economy-producer | $25.00 | $25.00 | 5/24/2010 4:12:26 PM |
| worth-arch | $25.00 | $25.00 | 5/24/2010 4:14:10 PM |
| wise-spiritual-commitment | $50.00 | $50.00 | 5/24/2010 4:30:10 PM |
| Phantom99 | $25.00 | $25.00 | 5/24/2010 4:16:07 PM |
| A007 | $25.00 | $25.00 | 5/24/2010 4:28:38 PM |
| golden-wealth2 | $50.00 | $50.00 | 5/24/2010 4:30:40 PM |
| irrelevant | $25.00 | $25.00 | 5/24/2010 5:05:55 PM |
| bchen78875 | $25.00 | $25.00 | 5/24/2010 4:59:55 PM |
| flexible-value | $26.00 | $26.00 | 5/24/2010 5:11:57 PM |
| ichibon | $44.00 | $44.00 | 5/24/2010 6:36:35 PM |
| Carpetkid | $25.00 | $25.00 | 5/24/2010 5:12:40 PM |
| topher515 | $25.00 | $25.00 | 5/25/2010 8:46:20 AM |
| gracej | $25.00 | $25.00 | 5/25/2010 2:36:19 PM |
| jla720 | $25.00 | $25.00 | 5/25/2010 2:33:30 PM |
| yachey | $25.00 | $25.00 | 5/25/2010 2:51:55 PM |
| integrity-trumpet | $50.00 | $50.00 | 5/26/2010 9:37:07 AM |
| p1k4blu | $25.00 | $25.00 | 5/26/2010 3:07:59 PM |
| honorable-yield | $50.00 | $50.00 | 5/26/2010 6:21:58 PM |
| 850 | $36.85 | $36.85 | 5/26/2010 9:48:17 PM |
| rose88 | $25.00 | $25.00 | 5/27/2010 3:21:50 PM |
| balanced-bill7 | $100.00 | $100.00 | 5/27/2010 3:37:06 PM |
| visionary-community | $25.00 | $25.00 | 5/27/2010 1:37:07 PM |
| iolaire | $25.00 | $25.00 | 5/27/2010 4:34:34 PM |
| bid-czar8 | $100.00 | $100.00 | 5/27/2010 4:45:14 PM |
| Clambake | $50.00 | $50.00 | 5/27/2010 10:45:56 PM |
| caNative | $25.00 | $25.00 | 5/27/2010 7:22:14 PM |
| market-pudding | $25.00 | $25.00 | 5/27/2010 7:23:11 PM |
| jameskdean | $25.00 | $25.00 | 5/28/2010 6:38:49 AM |
| smart-return | $25.00 | $25.00 | 5/28/2010 6:38:51 AM |
| IIP77 | $25.00 | $25.00 | 5/27/2010 10:12:10 PM |
| sshs | $25.00 | $25.00 | 5/28/2010 5:36:46 AM |
| hopethisworks | $25.00 | $25.00 | 5/28/2010 10:10:18 AM |
| zeelender | $25.00 | $25.00 | 5/28/2010 10:12:53 AM |
| lost-money-so-far-on-these | $25.00 | $25.00 | 5/28/2010 10:13:07 AM |
| Ballard | $25.00 | $25.00 | 5/28/2010 10:13:18 AM |
| pischkoa | $25.00 | $25.00 | 5/28/2010 10:13:22 AM |
| Oupa-George | $25.00 | $25.00 | 5/28/2010 10:13:09 AM |
| Victor-E-Lane | $25.00 | $25.00 | 5/28/2010 10:13:15 AM |
| nodrivelpls | $25.00 | $25.00 | 5/28/2010 10:13:20 AM |
| jstefans | $25.00 | $25.00 | 5/28/2010 10:13:25 AM |
| flwah | $25.00 | $25.00 | 5/28/2010 10:13:34 AM |
| wise-silver-wonder | $25.00 | $25.00 | 5/28/2010 9:40:37 AM |
| Marfloogan | $25.00 | $25.00 | 5/28/2010 10:09:53 AM |
| shortstop21 | $25.00 | $25.00 | 5/28/2010 10:12:24 AM |
| BrianRK | $26.00 | $26.00 | 5/28/2010 10:13:05 AM |
| Josilot | $25.00 | $25.00 | 5/28/2010 10:13:17 AM |
| theemhdoctor | $25.00 | $25.00 | 5/28/2010 10:13:24 AM |
| cassius84 | $25.00 | $25.00 | 5/28/2010 10:13:30 AM |
| trade-elm | $25.00 | $25.00 | 5/28/2010 2:24:02 PM |
| btrfly11 | $25.00 | $25.00 | 5/28/2010 1:10:56 PM |
| BrighterSuns | $26.00 | $26.00 | 5/28/2010 2:06:49 PM |
| asset-professor | $25.00 | $25.00 | 5/28/2010 7:10:45 PM |
| E-B | $50.00 | $50.00 | 5/29/2010 3:47:35 AM |
| draggon77 | $25.00 | $25.00 | 5/28/2010 5:21:19 PM |
| spiff666 | $25.00 | $25.00 | 5/29/2010 8:18:19 AM |
| Unitas4302 | $50.00 | $50.00 | 5/29/2010 3:48:22 PM |
| Imaginos1892 | $50.00 | $50.00 | 5/29/2010 3:50:25 PM |
| AM2008 | $25.00 | $25.00 | 5/29/2010 5:52:03 PM |
| shantran | $100.00 | $100.00 | 5/30/2010 4:50:23 AM |
| trade-goblin9 | $25.00 | $25.00 | 5/30/2010 6:26:34 AM |
| AdamBertocci | $25.00 | $25.00 | 5/30/2010 7:29:03 AM |
| InvestForWealth | $28.42 | $28.42 | 5/30/2010 10:34:38 AM |
| jcw3rd | $25.00 | $25.00 | 5/30/2010 12:05:18 PM |
| Techne_Funds_LLC | $25.00 | $25.00 | 5/30/2010 6:44:53 PM |
| gothampark | $25.00 | $25.00 | 5/30/2010 4:28:32 PM |
| JiggaJoeyS | $37.62 | $37.62 | 5/29/2010 5:29:19 PM |
| platinum-enlightenment | $31.71 | $31.71 | 5/29/2010 7:32:35 PM |
| Bob450 | $30.00 | $30.00 | 5/30/2010 9:16:26 PM |
| steven3333 | $25.00 | $25.00 | 5/31/2010 8:08:30 AM |
| Randawg | $28.61 | $28.61 | 5/30/2010 6:13:54 AM |
| nalaari | $50.00 | $50.00 | 5/30/2010 6:55:24 AM |
| credit-missile | $25.00 | $25.00 | 5/31/2010 8:46:03 AM |
| credit-panda1 | $25.00 | $25.00 | 5/31/2010 4:05:06 AM |
| ghinga | $25.00 | $25.00 | 5/31/2010 4:20:52 AM |
| patriot384 | $120.00 | $120.00 | 5/31/2010 6:20:03 AM |
| leod1948 | $25.00 | $25.00 | 5/31/2010 10:04:34 AM |
| sunshinysmiles | $30.00 | $30.00 | 5/30/2010 2:26:48 PM |
| simplelender80 | $250.00 | $250.00 | 5/31/2010 12:09:54 PM |
| credit-missile | $50.00 | $50.00 | 5/31/2010 12:53:40 PM |
| order-bee1 | $25.00 | $25.00 | 5/31/2010 1:45:03 PM |
| riveting-credit5 | $200.00 | $200.00 | 5/31/2010 3:40:12 PM |
| wisconsinvestor | $25.00 | $25.00 | 5/31/2010 3:41:13 PM |
| eprometheus | $66.00 | $66.00 | 5/30/2010 9:54:01 PM |
| mpatrick | $50.00 | $50.00 | 5/30/2010 10:47:28 PM |
| jimmya | $30.46 | $30.46 | 5/31/2010 7:02:01 AM |
| best-listing-toro | $25.00 | $25.00 | 5/31/2010 7:50:10 AM |
| Pressure_Drop | $39.21 | $39.21 | 5/31/2010 12:36:11 PM |
| Artist_Blue | $25.00 | $25.00 | 5/24/2010 3:44:39 PM |
| rescue | $50.00 | $50.00 | 5/24/2010 3:57:11 PM |
| studious-bonus7 | $50.00 | $50.00 | 5/24/2010 4:13:59 PM |
| Avala | $50.00 | $50.00 | 5/24/2010 4:15:06 PM |
| SNH | $50.00 | $50.00 | 5/24/2010 4:12:27 PM |
| Pulchritudinous | $25.00 | $25.00 | 5/24/2010 4:12:51 PM |
| riproaringrapids | $25.00 | $25.00 | 5/24/2010 4:25:15 PM |
| hrubinst | $25.00 | $25.00 | 5/24/2010 4:14:25 PM |
| Weaverville | $50.00 | $50.00 | 5/24/2010 4:27:34 PM |
| enthusiastic-balance5 | $100.00 | $100.00 | 5/24/2010 4:16:48 PM |
| ddog0224 | $25.00 | $25.00 | 5/24/2010 4:17:02 PM |
| top-historic-peso | $25.00 | $25.00 | 5/24/2010 4:13:41 PM |
| dinero-speaker | $50.00 | $50.00 | 5/24/2010 4:15:46 PM |
| the-profit-oracle | $25.00 | $25.00 | 5/24/2010 4:16:10 PM |
| wayman | $25.00 | $25.00 | 5/24/2010 4:17:23 PM |
| camaraderi-workhorse | $30.00 | $30.00 | 5/24/2010 5:09:56 PM |
| american6 | $25.00 | $25.00 | 5/24/2010 4:29:39 PM |
| kegs | $100.00 | $100.00 | 5/24/2010 4:31:02 PM |
| TennSquire | $25.00 | $25.00 | 5/24/2010 5:13:11 PM |
| chestnut4 | $25.00 | $25.00 | 5/24/2010 5:47:41 PM |
| interest-jedi0 | $50.00 | $50.00 | 5/25/2010 12:17:37 AM |
| skuba | $25.00 | $25.00 | 5/25/2010 6:06:35 AM |
| GElender | $46.83 | $46.83 | 5/25/2010 2:27:11 PM |
| Elbanko | $50.00 | $50.00 | 5/25/2010 12:22:52 PM |
| hopeful-point | $50.00 | $50.00 | 5/25/2010 2:27:19 PM |
| Bank_Of_XL | $25.00 | $25.00 | 5/26/2010 9:50:14 AM |
| DadWarbucks | $25.00 | $25.00 | 5/26/2010 11:31:32 AM |
| ethicalhumanist | $25.00 | $25.00 | 5/26/2010 5:16:50 PM |
| nilonc1 | $25.00 | $25.00 | 5/26/2010 7:23:05 PM |
| broepke | $25.00 | $25.00 | 5/27/2010 11:57:22 AM |
| money2k | $25.00 | $25.00 | 5/27/2010 11:57:29 AM |
| money-bauble | $25.00 | $25.00 | 5/27/2010 12:02:58 PM |
| sgf | $25.00 | $25.00 | 5/27/2010 11:57:28 AM |
| revenue-achievement | $25.00 | $25.00 | 5/27/2010 4:07:56 PM |
| USMP | $30.79 | $30.79 | 5/27/2010 4:23:03 PM |
| treasure-hunter270 | $25.00 | $25.00 | 5/27/2010 5:32:15 PM |
| mmckune | $25.00 | $25.00 | 5/27/2010 11:02:57 PM |
| Searlzy | $25.00 | $25.00 | 5/28/2010 5:27:49 AM |
| angeimack | $25.00 | $25.00 | 5/28/2010 6:21:45 AM |
| brazilofmux | $47.37 | $47.37 | 5/28/2010 6:39:19 AM |
| Tradesmanlender | $25.00 | $25.00 | 5/28/2010 9:41:08 AM |
| Au-Ag-Pt | $25.00 | $25.00 | 5/28/2010 10:09:06 AM |
| affluence-tycoon | $25.00 | $25.00 | 5/28/2010 10:10:25 AM |
| Feline_Parent | $25.00 | $25.00 | 5/28/2010 10:11:23 AM |
| bsh297 | $25.00 | $25.00 | 5/28/2010 10:11:45 AM |
| TheColoradoDon | $25.00 | $25.00 | 5/28/2010 10:12:54 AM |
| AKJagMan | $25.00 | $25.00 | 5/28/2010 10:13:14 AM |
| davidc314 | $26.52 | $26.52 | 5/28/2010 10:13:19 AM |
| lizard_lips | $25.00 | $25.00 | 5/28/2010 10:13:25 AM |
| KiwiElf | $25.00 | $25.00 | 5/28/2010 10:13:12 AM |
| Danfromnapa | $35.03 | $35.03 | 5/28/2010 10:13:16 AM |
| norcalsv | $27.72 | $27.72 | 5/28/2010 10:13:23 AM |
| TOCPI | $25.00 | $0.45 | 5/28/2010 10:13:44 AM |
| wlm3012 | $25.00 | $25.00 | 5/28/2010 11:03:32 AM |
| Trinkaloki | $25.00 | $25.00 | 5/28/2010 10:13:06 AM |
| Superc0ld | $26.82 | $26.82 | 5/28/2010 10:13:21 AM |
| Zubo | $25.00 | $25.00 | 5/28/2010 10:13:40 AM |
| income-fortress | $25.00 | $25.00 | 5/28/2010 2:04:58 PM |
| DasMula | $25.00 | $25.00 | 5/28/2010 3:20:23 PM |
| EretzCapital | $30.66 | $30.66 | 5/28/2010 3:38:58 PM |
| frclmym | $50.00 | $50.00 | 5/28/2010 3:34:52 PM |
| bayshipping | $25.00 | $25.00 | 5/28/2010 10:05:58 PM |
| BettBoo | $30.00 | $30.00 | 5/29/2010 8:17:10 AM |
| leverage-monger | $25.00 | $25.00 | 5/29/2010 6:51:06 AM |
| sdcc72 | $25.00 | $25.00 | 5/29/2010 12:37:15 PM |
| 1LendingSource | $25.00 | $25.00 | 5/29/2010 1:27:05 PM |
| wild_carrot | $25.00 | $25.00 | 5/29/2010 2:20:08 PM |
| srthsvghdthtr | $25.00 | $25.00 | 5/29/2010 3:10:17 PM |
| Bidwinner08 | $27.62 | $27.62 | 5/29/2010 3:46:15 PM |
| trumpeter5 | $25.00 | $25.00 | 5/29/2010 3:59:51 PM |
| justme4now | $25.00 | $25.00 | 5/29/2010 7:46:25 PM |
| prominence8 | $25.00 | $25.00 | 5/29/2010 9:02:52 PM |
| MattProsper | $50.00 | $50.00 | 5/29/2010 11:35:42 PM |
| Lender95466 | $25.00 | $25.00 | 5/30/2010 7:18:12 AM |
| buckeyebucks | $50.00 | $50.00 | 5/30/2010 8:39:56 AM |
| dmk2006 | $25.00 | $25.00 | 5/30/2010 4:01:14 PM |
| Leshan | $33.33 | $33.33 | 5/30/2010 2:24:42 PM |
| IwillHuntUdown | $25.00 | $25.00 | 5/29/2010 4:08:10 PM |
| pinballwizard | $27.70 | $27.70 | 5/30/2010 7:36:21 PM |
| alpinaut | $25.00 | $25.00 | 5/31/2010 3:36:50 AM |
| Ambassador | $40.00 | $40.00 | 5/29/2010 8:13:50 PM |
| KLcapital | $25.00 | $25.00 | 5/30/2010 10:41:06 PM |
| Midg | $25.00 | $25.00 | 5/31/2010 8:11:41 AM |
| FinanceEngine | $25.00 | $25.00 | 5/30/2010 7:25:07 AM |
| mlj0671 | $25.00 | $25.00 | 5/31/2010 10:41:46 AM |
| GrossBuddha | $50.00 | $50.00 | 5/31/2010 12:03:58 PM |
| Sugarmama21 | $100.00 | $100.00 | 5/31/2010 8:29:30 AM |
| wonder3 | $25.00 | $25.00 | 5/31/2010 2:32:37 PM |
| chocolatecookie | $25.00 | $25.00 | 5/30/2010 1:59:34 PM |
| value-guru3 | $25.00 | $25.00 | 5/31/2010 3:15:04 PM |
| mckhbnpc | $30.00 | $30.00 | 5/30/2010 9:51:15 PM |
| principal-laser | $30.00 | $30.00 | 5/31/2010 3:55:44 AM |
| moneyman369 | $93.28 | $93.28 | 5/31/2010 8:55:23 AM |
| investment-cluster | $25.00 | $25.00 | 5/31/2010 12:20:02 PM |
| icon7 | $30.00 | $30.00 | 5/31/2010 1:47:22 PM |
| 186 bids
|
Borrower Payment Dependent Notes Series
459581
This series of Notes was issued and sold upon the funding of the borrower loan #42794, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $4,000.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 1.5% |
Auction start date:
| May-24-2010 |
| |
Auction end date:
| May-31-2010 |
|
|
Starting lender yield:
| 7.30% |
Starting borrower rate/APR:
| 8.30% / 8.64% |
Starting monthly payment:
| $125.90 |
|
Final lender yield:
| 7.25% |
Final borrower rate/APR:
| 8.25% / 8.59% |
Final monthly payment:
| $125.81 |
| |
|
Auction yield range:
| 2.99% - 7.30% |
Estimated loss impact:
| 1.50% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.75% | | |
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 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 scores:
| |
First credit line:
| Oct-1999 |
Debt/Income ratio:
| 15% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 6
/
6 | Length of status: | 4y 8m |
|
Credit score:
| 820-839 (May-2010) |
Total credit lines:
| 16 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $4,414 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 21% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| serene0415 |
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.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 31 ( 100% )
| 820-839 (Latest)
|
|
Principal borrowed:
| $5,000.00 | < 31 days late:
| 0
( 0% )
| 760-779
(Aug-2007)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 31 | | |
Description
My loan for debt consolidation
This listing has a higher likelihood to fund and therefore does not include a description. If you would like additional information from this borrower, please ask a question in the Q&A section below.
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) |
|
| FundMaker | $25.00 | $25.00 | 5/30/2010 11:33:11 AM |
| microloan-green | $25.00 | $25.00 | 5/24/2010 3:44:59 PM |
| ChristopherHS | $25.00 | $25.00 | 5/24/2010 3:49:53 PM |
| turbospeed | $25.00 | $25.00 | 5/24/2010 3:57:23 PM |
| tekkie2412 | $25.00 | $25.00 | 5/24/2010 4:27:42 PM |
| thedoctor | $100.00 | $100.00 | 5/24/2010 4:52:00 PM |
| bondhedger | $25.00 | $25.00 | 5/24/2010 4:51:25 PM |
| F_r_e_d_s__B_a_n_k | $50.00 | $50.00 | 5/24/2010 4:52:07 PM |
| KWarrior | $25.00 | $25.00 | 5/24/2010 4:54:46 PM |
| selector568 | $300.00 | $300.00 | 5/24/2010 5:04:03 PM |
| surfsider123 | $25.00 | $25.00 | 5/25/2010 9:45:27 AM |
| vinayski | $25.00 | $25.00 | 5/25/2010 2:51:31 PM |
| GeorgiaGator | $50.00 | $50.00 | 5/25/2010 6:32:58 PM |
| FLFF | $50.00 | $50.00 | 5/26/2010 5:30:50 AM |
| investmentgroup | $25.00 | $25.00 | 5/25/2010 7:18:15 PM |
| greekpolis | $50.00 | $50.00 | 5/26/2010 12:05:00 PM |
| springpanda | $25.00 | $25.00 | 5/26/2010 2:09:48 PM |
| RandyL3 | $33.00 | $33.00 | 5/26/2010 5:06:27 PM |
| socal-lender | $25.00 | $25.00 | 5/27/2010 9:04:02 PM |
| jimduism | $25.00 | $25.00 | 5/27/2010 10:23:48 PM |
| Kelor99 | $25.00 | $25.00 | 5/28/2010 8:39:52 AM |
| best-ingenious-funds | $25.00 | $25.00 | 5/28/2010 8:11:31 AM |
| fcrick | $25.00 | $25.00 | 5/28/2010 10:31:50 AM |
| bamboozled_again | $35.72 | $35.72 | 5/28/2010 10:13:26 AM |
| BURNERA_1 | $100.00 | $100.00 | 5/28/2010 12:15:13 PM |
| wonderous-power | $25.00 | $25.00 | 5/28/2010 2:09:15 PM |
| bfn311 | $25.00 | $25.00 | 5/28/2010 5:18:10 PM |
| Dollars4Rent | $25.00 | $25.00 | 5/28/2010 4:43:43 PM |
| enchanted-reward1 | $104.29 | $7.77 | 5/28/2010 9:50:55 PM |
| blivndrms | $25.00 | $25.00 | 5/28/2010 5:24:19 PM |
| Personal-Bond | $34.04 | $34.04 | 5/29/2010 2:21:57 PM |
| midifool | $25.00 | $25.00 | 5/29/2010 3:07:01 PM |
| MoneyTree79 | $45.44 | $45.44 | 5/30/2010 10:54:57 AM |
| lostperception | $30.00 | $30.00 | 5/30/2010 3:49:09 PM |
| Chesterite | $266.92 | $266.92 | 5/30/2010 7:45:16 PM |
| Charmart | $25.00 | $25.00 | 5/31/2010 12:00:20 AM |
| Cherrypicker | $50.00 | $50.00 | 5/31/2010 1:46:49 AM |
| proton346 | $25.00 | $25.00 | 5/31/2010 10:01:05 AM |
| katnmouse | $30.00 | $30.00 | 5/31/2010 10:47:10 AM |
| GrossBuddha | $50.00 | $50.00 | 5/31/2010 11:35:19 AM |
| ivar | $25.00 | $25.00 | 5/30/2010 11:21:09 AM |
| moneytolend72 | $35.00 | $35.00 | 5/31/2010 1:20:05 PM |
| LexerdGroupCapital | $75.00 | $75.00 | 5/31/2010 2:35:21 PM |
| DalCowboys | $50.00 | $50.00 | 5/31/2010 2:44:37 PM |
| best-listing-toro | $25.00 | $25.00 | 5/31/2010 7:29:07 AM |
| friendinmoney | $32.87 | $32.87 | 5/31/2010 8:50:16 AM |
| Sven79 | $50.00 | $50.00 | 5/24/2010 4:04:37 PM |
| Aberdeen | $400.00 | $400.00 | 5/24/2010 4:29:26 PM |
| Aberdeen | $400.00 | $400.00 | 5/24/2010 4:29:24 PM |
| wwwUniversal | $25.00 | $25.00 | 5/24/2010 4:31:06 PM |
| dontscrewmeover1 | $25.00 | $25.00 | 5/24/2010 7:13:39 PM |
| blot44 | $25.00 | $25.00 | 5/24/2010 8:03:39 PM |
| MoneyForNothing | $25.00 | $25.00 | 5/25/2010 4:08:38 AM |
| Rearden_Steel | $25.00 | $25.00 | 5/25/2010 11:24:20 AM |
| octoberfresh | $25.00 | $25.00 | 5/25/2010 7:30:50 AM |
| vine99 | $90.00 | $90.00 | 5/25/2010 10:06:47 PM |
| ethicalhumanist | $25.00 | $25.00 | 5/26/2010 6:21:29 PM |
| all_of_that_one | $25.00 | $25.00 | 5/27/2010 1:05:07 AM |
| quetal | $50.00 | $50.00 | 5/27/2010 12:34:37 PM |
| pedestrianme | $25.00 | $25.00 | 5/27/2010 8:13:47 PM |
| Simply2fly | $25.00 | $25.00 | 5/27/2010 9:03:46 PM |
| ideal-coin | $100.00 | $100.00 | 5/28/2010 11:29:38 AM |
| BipedalHominid | $25.00 | $25.00 | 5/28/2010 12:17:32 PM |
| kgeezy | $50.00 | $50.00 | 5/28/2010 2:05:28 PM |
| Furryone | $25.00 | $25.00 | 5/28/2010 2:44:04 PM |
| GoGators01 | $25.00 | $25.00 | 5/28/2010 1:20:22 PM |
| important-dollar1 | $50.00 | $50.00 | 5/29/2010 5:19:48 AM |
| JerryB96 | $25.00 | $25.00 | 5/29/2010 7:14:28 AM |
| dmitriy2 | $25.00 | $25.00 | 5/29/2010 12:44:45 PM |
| Ajax8 | $48.24 | $48.24 | 5/28/2010 8:00:22 PM |
| conductor146 | $75.00 | $75.00 | 5/29/2010 10:49:37 AM |
| MrSolution | $25.00 | $25.00 | 5/29/2010 12:05:45 PM |
| Digs | $25.00 | $25.00 | 5/29/2010 2:22:22 PM |
| swissbanker | $75.00 | $75.00 | 5/30/2010 12:52:27 PM |
| payontime1 | $25.00 | $25.00 | 5/29/2010 10:59:23 PM |
| FirstLender | $25.00 | $25.00 | 5/31/2010 6:36:05 AM |
| Planecourage | $36.00 | $36.00 | 5/31/2010 1:13:57 AM |
| 77 bids
|
Borrower Payment Dependent Notes Series
459743
This series of Notes was issued and sold upon the funding of the borrower loan #42786, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $5,000.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 1.5% |
Auction start date:
| May-24-2010 |
| |
Auction end date:
| May-31-2010 |
|
|
Starting lender yield:
| 7.30% |
Starting borrower rate/APR:
| 8.30% / 8.64% |
Starting monthly payment:
| $157.37 |
|
Final lender yield:
| 7.30% |
Final borrower rate/APR:
| 8.30% / 8.64% |
Final monthly payment:
| $157.37 |
| |
|
Auction yield range:
| 2.99% - 7.30% |
Estimated loss impact:
| 1.50% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.80% | | |
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 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 scores:
| |
First credit line:
| Mar-1991 |
Debt/Income ratio:
| 20% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 9
/
9 | Length of status: | 6y 2m |
|
Credit score:
| 800-819 (May-2010) |
Total credit lines:
| 33 |
Occupation: | Engineer - Electric... |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $4,580 | Stated income: | $100,000+ |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 45% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| emilyiangroup |
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:
| 22 ( 100% )
| 800-819 (Latest)
|
|
Principal borrowed:
| $5,000.00 | < 31 days late:
| 0
( 0% )
| 800-819
(Jul-2008)
|
|
Principal balance:
| $2,054.84 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 22 | | |
Description
My loan for debt consolidation
This listing has a higher likelihood to fund and therefore does not include a description. If you would like additional information from this borrower, please ask a question in the Q&A section below.
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) |
|
| kenji4861 | $50.00 | $50.00 | 5/24/2010 3:49:27 PM |
| tender-integrity3 | $50.00 | $50.00 | 5/24/2010 3:53:00 PM |
| emt747 | $25.00 | $25.00 | 5/24/2010 3:53:37 PM |
| turbospeed | $25.00 | $25.00 | 5/24/2010 3:57:24 PM |
| scrappy-bonus2 | $25.00 | $25.00 | 5/24/2010 3:58:15 PM |
| flexible-value | $28.00 | $28.00 | 5/24/2010 3:59:03 PM |
| serene-credit4 | $50.00 | $50.00 | 5/24/2010 3:59:17 PM |
| Emgolda | $25.00 | $25.00 | 5/24/2010 4:00:55 PM |
| Phantom99 | $25.00 | $25.00 | 5/24/2010 3:57:45 PM |
| swiftsoul | $25.00 | $25.00 | 5/24/2010 3:49:31 PM |
| golden-responsibility189 | $50.00 | $50.00 | 5/24/2010 4:05:07 PM |
| harty | $60.00 | $60.00 | 5/24/2010 4:05:25 PM |
| figs4u2 | $80.00 | $80.00 | 5/24/2010 3:59:27 PM |
| SNH | $50.00 | $50.00 | 5/24/2010 3:59:54 PM |
| kulender | $25.00 | $25.00 | 5/24/2010 4:06:21 PM |
| meux99 | $25.00 | $25.00 | 5/24/2010 3:52:53 PM |
| life-is-great | $25.00 | $25.00 | 5/24/2010 4:00:14 PM |
| JGB | $100.00 | $100.00 | 5/24/2010 4:06:29 PM |
| generator596 | $50.00 | $50.00 | 5/24/2010 4:00:36 PM |
| afotherg | $25.00 | $25.00 | 5/24/2010 4:06:48 PM |
| moltopaolo | $50.00 | $50.00 | 5/24/2010 4:00:59 PM |
| currency-persimmon | $25.00 | $25.00 | 5/24/2010 4:07:27 PM |
| Ivan2007 | $25.00 | $25.00 | 5/24/2010 4:09:14 PM |
| alexstar | $25.00 | $25.00 | 5/24/2010 4:02:40 PM |
| mlopez2007 | $50.00 | $50.00 | 5/24/2010 4:04:09 PM |
| tbrnet | $25.00 | $25.00 | 5/24/2010 3:57:17 PM |
| seabass123 | $25.00 | $25.00 | 5/24/2010 3:57:50 PM |
| truth-image | $50.00 | $50.00 | 5/24/2010 4:05:48 PM |
| ray1051 | $50.00 | $50.00 | 5/24/2010 3:58:06 PM |
| Carpetkid | $50.00 | $50.00 | 5/24/2010 3:58:31 PM |
| steady-gain5 | $25.00 | $25.00 | 5/24/2010 3:58:38 PM |
| cash-merry-maker | $25.00 | $25.00 | 5/24/2010 4:07:58 PM |
| windfall46 | $25.00 | $25.00 | 5/24/2010 4:08:13 PM |
| blissful-note7 | $25.00 | $25.00 | 5/24/2010 4:08:51 PM |
| power-defender7 | $25.00 | $15.42 | 5/24/2010 4:09:16 PM |
| Merganser | $25.00 | $25.00 | 5/24/2010 4:05:12 PM |
| credit-scout7 | $30.00 | $30.00 | 5/24/2010 4:05:16 PM |
| interest-jedi0 | $50.00 | $50.00 | 5/24/2010 4:06:35 PM |
| benefit-judo5 | $50.00 | $50.00 | 5/24/2010 4:07:13 PM |
| rescue | $100.00 | $100.00 | 5/24/2010 4:07:24 PM |
| autonomous-basis | $25.00 | $25.00 | 5/24/2010 4:08:37 PM |
| achillesa | $25.00 | $25.00 | 5/24/2010 4:08:49 PM |
| Sven79 | $50.00 | $50.00 | 5/24/2010 5:09:24 PM |
| selector568 | $300.00 | $300.00 | 5/24/2010 5:04:05 PM |
| blot44 | $25.00 | $25.00 | 5/24/2010 8:02:21 PM |
| MoneyForNothing | $25.00 | $25.00 | 5/25/2010 4:20:45 AM |
| cash-vault | $25.00 | $25.00 | 5/26/2010 9:36:50 AM |
| greekpolis | $100.00 | $100.00 | 5/26/2010 12:05:30 PM |
| springpanda | $25.00 | $25.00 | 5/26/2010 2:11:35 PM |
| ethicalhumanist | $25.00 | $25.00 | 5/26/2010 6:21:36 PM |
| Lender0307 | $25.00 | $25.00 | 5/27/2010 9:36:06 PM |
| Kelor99 | $25.00 | $25.00 | 5/28/2010 8:41:03 AM |
| ptclender | $50.00 | $50.00 | 5/28/2010 7:45:17 AM |
| fcrick | $25.00 | $25.00 | 5/28/2010 10:32:18 AM |
| ideal-coin | $100.00 | $100.00 | 5/28/2010 11:31:12 AM |
| wonderous-power | $25.00 | $25.00 | 5/28/2010 2:07:50 PM |
| octoberfresh | $25.00 | $25.00 | 5/28/2010 3:57:13 PM |
| durability-gyration4 | $50.00 | $50.00 | 5/28/2010 3:13:31 PM |
| philantist | $25.00 | $25.00 | 5/28/2010 9:12:30 PM |
| JerryB96 | $25.00 | $25.00 | 5/29/2010 7:16:24 AM |
| Dollars4Rent | $25.00 | $25.00 | 5/28/2010 4:47:42 PM |
| conductor146 | $50.00 | $50.00 | 5/29/2010 10:50:55 AM |
| best-listing-toro | $25.00 | $25.00 | 5/31/2010 7:34:05 AM |
| successful-euro | $50.00 | $50.00 | 5/24/2010 3:52:20 PM |
| tntmojave | $25.00 | $25.00 | 5/24/2010 3:57:59 PM |
| dharma1 | $25.00 | $25.00 | 5/24/2010 3:53:10 PM |
| qwsd12 | $40.00 | $40.00 | 5/24/2010 3:58:54 PM |
| meenan | $25.00 | $25.00 | 5/24/2010 4:06:03 PM |
| GiantAardvark | $25.00 | $25.00 | 5/24/2010 4:06:42 PM |
| macgeek | $100.00 | $100.00 | 5/24/2010 4:07:00 PM |
| geniusj | $25.00 | $25.00 | 5/24/2010 4:07:44 PM |
| Skady3love | $25.00 | $25.00 | 5/24/2010 4:08:35 PM |
| camaraderi-workhorse | $50.00 | $50.00 | 5/24/2010 4:01:42 PM |
| investment-network | $25.00 | $25.00 | 5/24/2010 4:09:11 PM |
| CaptainBlueberry | $25.00 | $25.00 | 5/24/2010 4:04:44 PM |
| Composure1 | $25.00 | $25.00 | 5/24/2010 4:04:55 PM |
| DukSerduk | $25.00 | $25.00 | 5/24/2010 4:06:18 PM |
| rudyindc | $25.00 | $25.00 | 5/24/2010 4:07:30 PM |
| kmr2 | $30.51 | $30.51 | 5/24/2010 4:07:38 PM |
| Breakfast_Gypsy | $25.00 | $25.00 | 5/24/2010 4:07:45 PM |
| AJSinvest | $25.00 | $25.00 | 5/24/2010 4:07:55 PM |
| david5000 | $50.00 | $50.00 | 5/24/2010 4:00:43 PM |
| vegibenz | $25.00 | $25.00 | 5/24/2010 4:08:26 PM |
| Pulchritudinous | $25.00 | $25.00 | 5/24/2010 4:01:24 PM |
| thorough-exchange4 | $40.00 | $40.00 | 5/24/2010 4:04:58 PM |
| Marathoner | $25.00 | $25.00 | 5/24/2010 4:05:37 PM |
| evnagelist | $25.00 | $25.00 | 5/24/2010 4:05:40 PM |
| delicious-social132 | $40.00 | $40.00 | 5/24/2010 4:05:55 PM |
| money-bauble | $75.00 | $75.00 | 5/24/2010 4:07:16 PM |
| kvandivo | $25.00 | $25.00 | 5/24/2010 4:08:32 PM |
| authoritative-capital | $25.00 | $25.00 | 5/24/2010 4:09:00 PM |
| bondhedger | $25.00 | $25.00 | 5/24/2010 4:28:52 PM |
| wwwUniversal | $25.00 | $25.00 | 5/24/2010 4:29:20 PM |
| Aberdeen | $400.00 | $400.00 | 5/24/2010 4:29:27 PM |
| dontscrewmeover1 | $25.00 | $25.00 | 5/24/2010 7:16:13 PM |
| impartial-deal | $45.00 | $45.00 | 5/24/2010 5:38:23 PM |
| thedoctor | $33.07 | $33.07 | 5/24/2010 11:22:52 PM |
| ddamenace | $50.00 | $50.00 | 5/24/2010 9:19:19 PM |
| vine99 | $90.00 | $90.00 | 5/25/2010 10:07:32 PM |
| Socorro_Capital_Partners | $25.00 | $25.00 | 5/26/2010 8:12:42 PM |
| RandyL3 | $33.00 | $33.00 | 5/26/2010 5:06:31 PM |
| titancash4u | $25.00 | $25.00 | 5/26/2010 11:06:45 PM |
| wildanne | $200.00 | $200.00 | 5/27/2010 4:31:14 PM |
| JohnSmith10 | $25.00 | $25.00 | 5/27/2010 9:35:37 PM |
| Simply2fly | $25.00 | $25.00 | 5/28/2010 10:36:38 AM |
| moneytree01 | $25.00 | $25.00 | 5/28/2010 2:07:56 PM |
| important-dollar1 | $25.00 | $25.00 | 5/29/2010 5:27:29 AM |
| UncleScroogeDMD | $100.00 | $100.00 | 5/29/2010 8:22:37 PM |
| MrSolution | $50.00 | $50.00 | 5/29/2010 12:08:12 PM |
| california5andime | $25.00 | $25.00 | 5/29/2010 4:12:03 PM |
| redtilapia | $25.00 | $25.00 | 5/31/2010 8:39:03 AM |
| moneytolend72 | $35.00 | $35.00 | 5/31/2010 1:25:19 PM |
| kinetic-truth | $25.00 | $25.00 | 5/31/2010 8:52:09 AM |
| GrossBuddha | $50.00 | $50.00 | 5/31/2010 9:35:13 AM |
| 114 bids
|
Borrower Payment Dependent Notes Series
459755
This series of Notes was issued and sold upon the funding of the borrower loan #42812, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $4,300.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% |
Auction start date:
| May-25-2010 |
| |
Auction end date:
| Jun-01-2010 |
|
|
Starting lender yield:
| 32.50% |
Starting borrower rate/APR:
| 33.50% / 35.93% |
Starting monthly payment:
| $190.88 |
|
Final lender yield:
| 31.75% |
Final borrower rate/APR:
| 32.75% / 35.17% |
Final monthly payment:
| $189.08 |
| |
|
Auction yield range:
| 16.99% - 32.50% |
Estimated loss impact:
| 19.87% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 11.88% | | |
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 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 scores:
| |
First credit line:
| Jun-1996 |
Debt/Income ratio:
| 25% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 13
/
11 | Length of status: | 4y 4m |
|
Credit score:
| 700-719 (May-2010) |
Total credit lines:
| 26 |
Occupation: | Tradesman - Electri... |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $1,885 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 96% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| mdellison |
Borrower's state:
| Oregon |
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 / 4 |
On-time:
| 52 ( 96% )
| 700-719 (Latest)
|
|
Principal borrowed:
| $7,400.00 | < 31 days late:
| 2
( 4% )
| 660-679
(Jul-2009)
640-659
(Nov-2007)
600-619
(Mar-2007)
540-559
(Aug-2006)
|
|
Principal balance:
| $1,377.10 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 54 | | |
Description
Proven Borrower Needs New Roof
FIRST: I have completed?three successful loans on Prosper and am?current on?the fourth. The?two late payments?were resolved immediately.?My credit rating may?imply that I am higher risk, but I am dillegent about making my loan payments.
ABOUT ME: I am?32 years old,?married with two children, ages?six and four. I purchased my first home in October '06.? I work full-time as a union electrician and also work on weekends bartending. My wife works full-time as a mother of two, as well as being a full-time student. She also works part-time in retail sales.
WHAT I WILL DO WITH THE MONEY LOANED TO ME:?I learned this winter that my roof is in dire need of replacement.? This loan will supplement my savings to pay for this replacement.
HERE ARE MY MONTHLY FINANCIAL DETAILS:
Net income after payroll deductions from all sources:?$5100
Spouse's Income: $600
Total monthly family Income $5700
Mortgage/Rent: $1350
Phone: $100
Electricity & Water: $200
Car Loan and Operating Expenses: $400
Food: $ $400
Insurance: $150
Cable/Internet: $80
Clothing, expenses for children, etc. $300?
Student Loans:? $70?
Home Improvements:? $200
Other Bills: Approx. $1000
Total Monthly Expenses :?Approx. $4250?
I will have?over $1000 left to make the payments on my Prosper loan.
CLOSING REMARKS TO LENDERS: Although my prosper rating is low, I assure everyone that paying my bills on time is of the utmost importance to me.? My credit score has been higher each time I have applied for a prosper loan and will continue to rise. Thank you for taking the time to consider 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) |
|
| JustMee | $25.00 | $25.00 | 5/25/2010 5:26:33 PM |
| reflective-rupee | $50.00 | $50.00 | 5/26/2010 3:46:07 PM |
| well-mannered-income3 | $75.00 | $75.00 | 5/26/2010 5:00:56 PM |
| neorunner | $25.00 | $25.00 | 5/26/2010 5:55:56 PM |
| MoneyForNothing | $25.00 | $25.00 | 5/26/2010 11:35:09 PM |
| DasMula | $25.00 | $25.00 | 5/28/2010 11:30:52 PM |
| DasMula | $25.00 | $25.00 | 5/28/2010 11:32:28 PM |
| DasMula | $25.00 | $25.00 | 5/28/2010 11:31:20 PM |
| DasMula | $25.00 | $25.00 | 5/28/2010 11:32:41 PM |
| UCLA4life | $25.00 | $25.00 | 5/29/2010 2:25:43 PM |
| greenback-chairman5 | $25.00 | $25.00 | 5/30/2010 10:54:00 AM |
| chameleon125 | $75.00 | $75.00 | 5/31/2010 11:14:05 AM |
| Mark-M | $25.00 | $25.00 | 5/30/2010 5:16:44 PM |
| investment-cluster | $25.00 | $25.00 | 5/31/2010 3:57:24 PM |
| micko | $25.00 | $25.00 | 5/31/2010 4:14:38 PM |
| wlm3012 | $25.00 | $25.00 | 5/31/2010 8:36:00 AM |
| foldingbenny2 | $65.00 | $65.00 | 5/31/2010 6:59:45 PM |
| ultimate-dough0 | $25.00 | $25.00 | 6/1/2010 7:06:47 AM |
| found | $36.47 | $36.47 | 6/1/2010 7:07:11 AM |
| Leshan | $57.83 | $57.83 | 6/1/2010 7:09:26 AM |
| shamantha | $27.00 | $27.00 | 6/1/2010 9:23:49 AM |
| IASKGOD | $25.00 | $25.00 | 6/1/2010 9:44:28 AM |
| exchange-cowbell5 | $25.00 | $25.00 | 6/1/2010 10:58:07 AM |
| credit-missile | $25.00 | $25.00 | 6/1/2010 9:49:07 AM |
| grampy48 | $25.00 | $25.00 | 6/1/2010 11:17:13 AM |
| Phatt-Daddy | $50.00 | $50.00 | 6/1/2010 11:37:15 AM |
| farchoir | $25.00 | $25.00 | 6/1/2010 12:15:18 AM |
| credit-missile | $25.00 | $25.00 | 6/1/2010 7:20:32 AM |
| lyrisnox | $40.00 | $40.00 | 6/1/2010 11:55:06 AM |
| branaa99 | $25.00 | $25.00 | 6/1/2010 12:05:59 PM |
| asset-pine | $25.00 | $25.00 | 6/1/2010 11:41:37 AM |
| realtormoises | $25.00 | $25.00 | 6/1/2010 1:27:54 PM |
| Frosty | $25.00 | $25.00 | 6/1/2010 1:50:44 PM |
| reflective-rupee | $35.00 | $35.00 | 6/1/2010 2:06:54 PM |
| PotBellyPete | $25.00 | $25.00 | 6/1/2010 12:41:43 PM |
| agreement-animal | $70.54 | $70.54 | 6/1/2010 1:01:55 PM |
| reflective-rupee | $50.00 | $50.00 | 6/1/2010 3:28:22 PM |
| RecoveryLender | $25.00 | $25.00 | 6/1/2010 2:11:11 PM |
| riveting-credit5 | $200.00 | $200.00 | 6/1/2010 4:07:36 PM |
| FallonCredit | $25.00 | $25.00 | 6/1/2010 2:19:10 PM |
| clemclan | $60.59 | $60.59 | 6/1/2010 2:54:36 PM |
| reflective-rupee | $30.00 | $4.63 | 6/1/2010 3:28:42 PM |
| chrisb1414 | $25.00 | $25.00 | 5/26/2010 6:42:58 AM |
| sweety075 | $25.00 | $25.00 | 5/26/2010 7:46:44 PM |
| Kash2010lu | $35.00 | $35.00 | 5/28/2010 8:05:03 AM |
| visionary-deal3 | $100.00 | $100.00 | 5/28/2010 9:01:16 AM |
| return-grizzly | $100.00 | $100.00 | 5/28/2010 1:03:09 PM |
| pioneer580 | $200.00 | $200.00 | 5/28/2010 8:29:35 PM |
| DasMula | $25.00 | $25.00 | 5/28/2010 11:31:07 PM |
| DasMula | $25.00 | $25.00 | 5/28/2010 11:31:38 PM |
| Unitas4302 | $300.00 | $300.00 | 5/29/2010 3:56:11 PM |
| shawnw2 | $86.51 | $86.51 | 5/29/2010 2:26:39 PM |
| loanman2007 | $150.00 | $150.00 | 5/30/2010 10:27:40 AM |
| shawnw2 | $114.00 | $114.00 | 5/31/2010 3:02:33 AM |
| new-smart-fund | $51.06 | $51.06 | 5/31/2010 4:16:29 PM |
| thomas16882004 | $25.00 | $25.00 | 5/31/2010 4:18:04 PM |
| jhouman | $25.00 | $25.00 | 5/31/2010 4:16:07 PM |
| lucrative-loan | $31.99 | $31.99 | 5/31/2010 8:56:52 AM |
| well-mannered-income3 | $50.00 | $50.00 | 5/31/2010 7:26:24 PM |
| lsx7 | $200.00 | $200.00 | 5/31/2010 8:19:43 PM |
| vigilance-searcher | $50.00 | $50.00 | 5/31/2010 4:34:16 PM |
| NekHoldings | $25.00 | $25.00 | 6/1/2010 5:28:33 AM |
| Bob450 | $50.00 | $50.00 | 5/31/2010 4:07:11 PM |
| Kash2010lu | $35.00 | $35.00 | 6/1/2010 9:41:50 AM |
| Kash2010lu | $30.00 | $30.00 | 6/1/2010 9:43:43 AM |
| ore-dojo | $25.00 | $25.00 | 6/1/2010 9:17:46 AM |
| credit-missile | $25.00 | $25.00 | 6/1/2010 9:50:03 AM |
| five-star-note | $100.00 | $100.00 | 6/1/2010 10:14:04 AM |
| twjh | $25.00 | $25.00 | 6/1/2010 10:36:50 AM |
| capital-kingdom | $25.00 | $25.00 | 6/1/2010 11:18:35 AM |
| income-rocker2 | $116.28 | $116.28 | 6/1/2010 10:55:20 AM |
| bobd32 | $25.00 | $25.00 | 6/1/2010 11:13:48 AM |
| mg144 | $25.00 | $25.00 | 6/1/2010 11:25:35 AM |
| Skeptical-one | $25.00 | $25.00 | 6/1/2010 8:45:30 AM |
| dcm6276 | $25.00 | $25.00 | 6/1/2010 10:40:47 AM |
| Rogelio48 | $40.00 | $40.00 | 6/1/2010 2:09:00 PM |
| dws2380 | $25.00 | $25.00 | 6/1/2010 2:10:18 PM |
| Mr-Miracle | $25.00 | $25.00 | 6/1/2010 2:54:17 PM |
| Bob450 | $25.00 | $25.00 | 6/1/2010 3:00:34 PM |
| druidpoet | $25.00 | $25.00 | 6/1/2010 3:02:44 PM |
| credit-missile | $75.00 | $75.00 | 6/1/2010 3:04:48 PM |
| sensational-peace6 | $50.00 | $50.00 | 6/1/2010 3:31:52 PM |
| Legally_Blonde | $32.16 | $32.16 | 6/1/2010 1:32:09 PM |
| direct-asset | $25.00 | $25.00 | 6/1/2010 2:03:36 PM |
| Engineer44 | $25.00 | $25.00 | 6/1/2010 4:07:57 PM |
| Feyenoord | $30.94 | $30.94 | 6/1/2010 2:58:51 PM |
| sensational-peace6 | $50.00 | $50.00 | 6/1/2010 4:05:23 PM |
| cunning-bill | $25.00 | $25.00 | 6/1/2010 12:54:16 PM |
| Mikale360 | $25.00 | $25.00 | 6/1/2010 2:02:28 PM |
| reflective-rupee | $25.00 | $25.00 | 6/1/2010 2:06:33 PM |
| reflective-rupee | $50.00 | $50.00 | 6/1/2010 2:07:29 PM |
| 91 bids
|
Borrower Payment Dependent Notes Series
459773
This series of Notes was issued and sold upon the funding of the borrower loan #42791, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $3,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% |
Auction start date:
| May-25-2010 |
| |
Auction end date:
| Jun-01-2010 |
|
|
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:
| 16.99% - 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 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 scores:
| |
First credit line:
| Nov-1999 |
Debt/Income ratio:
| 6% |
|
Basic (1-10):
| 4 |
Inquiries last 6m:
| 4 | Employment status: | Full-time employee |
| Enhanced (1-5): | 3 |
Current / open credit lines:
| 2
/
2 | Length of status: | 9y 5m |
|
Credit score:
| 700-719 (May-2010) |
Total credit lines:
| 3 |
Occupation: | Skilled Labor |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $76 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 30% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 4 | | | | |
|
Screen name:
| bold-precious-listing |
Borrower's state:
| Pennsylvania |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
graduation, family wedding
Hello my name is Tim in the next coming month I have quite a bit of things going on within my family, first of all my son will be graduating form middle school on June 16, followed by my daughters birthday on June 21. Also I am the best man in my cousins' wedding on June 26. In between all these dates I also would like to do a bacholer party as well. Thats the bulk of how I would use the loan. Making my monthly payments will not be and issue as I have a steady income with a good employer in VILLANOVA UNIVERSITY (go wildcats). This loan will also help me to establish more credit to help me qualify for a mortgage loan sooner rather than later.?
????????THANK YOU IN ADVANCE FOR CONSIDERING 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:
What are the 4 Delinquencies in last 7y for? - impala6464
A:
I am sure 1 is a capital one card that i misused and shortly after i moved to where i now live. As for 3 more delinquencies I would need more information as to who the are for
(May-26-2010)
Q:
Hi Tim, what is your monthly net income please, and see my page. thank you - Tono
A:
1900.00
(May-28-2010)
Q:
thanks for the reply, Tim. Now for the second part: SEE MY PAGE. good luck - Tono
A:
rent 700
auto insur. 160
cell 150
total 1010
(Jun-01-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| reward-adventure | $25.00 | $25.00 | 5/25/2010 4:16:02 PM |
| PRGuyinVA | $25.00 | $25.00 | 5/25/2010 4:16:05 PM |
| DcUnited | $25.00 | $25.00 | 5/25/2010 4:16:10 PM |
| skuba | $25.00 | $25.00 | 5/25/2010 4:20:04 PM |
| RMB-Investments | $25.00 | $25.00 | 5/25/2010 4:15:49 PM |
| gelidfrank | $25.00 | $25.00 | 5/25/2010 4:16:09 PM |
| phredd | $25.00 | $25.00 | 5/25/2010 4:16:14 PM |
| helping-out | $35.00 | $35.00 | 5/25/2010 4:24:43 PM |
| bassman2 | $25.00 | $25.00 | 5/25/2010 4:26:07 PM |
| veneziani | $25.00 | $25.00 | 5/25/2010 4:26:10 PM |
| burrito6 | $25.00 | $25.00 | 5/25/2010 4:15:47 PM |
| Buffer10 | $25.00 | $25.00 | 5/25/2010 4:16:04 PM |
| SBT | $25.00 | $25.00 | 5/25/2010 4:16:07 PM |
| marketplace-buckeye | $25.00 | $25.00 | 5/25/2010 4:16:12 PM |
| inspiring-reward | $200.00 | $200.00 | 5/25/2010 4:16:24 PM |
| Speculator | $50.00 | $50.00 | 5/25/2010 9:57:30 PM |
| basis-prodigy | $25.00 | $25.00 | 5/26/2010 9:33:39 AM |
| social-conductor4 | $25.00 | $25.00 | 5/26/2010 3:07:37 PM |
| eurobikermcdog | $25.00 | $25.00 | 5/26/2010 2:43:04 PM |
| SolarMoonshine | $25.00 | $25.00 | 5/26/2010 5:36:18 PM |
| ezg | $50.00 | $50.00 | 5/28/2010 12:11:48 AM |
| IIP77 | $25.00 | $25.00 | 5/28/2010 10:13:01 AM |
| gotjack | $25.00 | $25.00 | 5/29/2010 10:22:01 AM |
| the-profit-oracle | $25.00 | $25.00 | 5/29/2010 1:26:32 PM |
| systemlender | $25.00 | $25.00 | 5/30/2010 6:46:44 PM |
| zone6 | $100.00 | $100.00 | 5/30/2010 7:33:47 PM |
| marwadi-62 | $50.00 | $50.00 | 5/30/2010 10:16:27 AM |
| zone6 | $200.00 | $58.21 | 5/30/2010 8:15:44 PM |
| investment-tempo | $75.00 | $75.00 | 6/1/2010 3:36:25 AM |
| reflective-rupee | $100.00 | $100.00 | 5/31/2010 9:02:43 PM |
| micko | $25.00 | $25.00 | 6/1/2010 6:39:14 AM |
| exchange-cowbell5 | $25.00 | $25.00 | 6/1/2010 10:59:02 AM |
| dws2380 | $25.00 | $25.00 | 6/1/2010 11:42:49 AM |
| payout-bridge | $375.00 | $375.00 | 6/1/2010 3:55:27 PM |
| mikelance7 | $25.00 | $25.00 | 6/1/2010 3:56:45 PM |
| riveting-credit5 | $200.00 | $200.00 | 6/1/2010 4:08:23 PM |
| PotBellyPete | $25.00 | $25.00 | 6/1/2010 12:42:29 PM |
| Rogelio48 | $40.00 | $40.00 | 6/1/2010 1:00:14 PM |
| Diamond_Jim | $25.00 | $25.00 | 5/25/2010 4:16:18 PM |
| kind-efficient-credit | $25.00 | $25.00 | 5/25/2010 4:16:20 PM |
| Caerus | $25.00 | $25.00 | 5/25/2010 4:16:00 PM |
| swoosh | $25.00 | $25.00 | 5/25/2010 4:16:15 PM |
| platinum-genetics | $50.00 | $50.00 | 5/25/2010 4:24:35 PM |
| reflective-rupee | $100.00 | $100.00 | 5/25/2010 4:51:35 PM |
| shrewd-peace7 | $25.00 | $25.00 | 5/25/2010 4:24:34 PM |
| genuine-responsibility8 | $50.00 | $50.00 | 5/25/2010 4:26:08 PM |
| ledesma31 | $50.00 | $50.00 | 5/26/2010 5:17:11 AM |
| loan-kung-fu | $25.00 | $25.00 | 5/26/2010 7:11:25 AM |
| impala6464 | $100.00 | $100.00 | 5/25/2010 7:37:35 PM |
| income-pillow | $100.00 | $100.00 | 5/26/2010 3:42:26 PM |
| well-mannered-income3 | $30.00 | $30.00 | 5/26/2010 5:02:06 PM |
| direct-yield | $25.00 | $25.00 | 5/27/2010 9:35:18 AM |
| 108lender | $25.00 | $25.00 | 5/27/2010 10:24:58 AM |
| A007 | $25.00 | $25.00 | 5/27/2010 6:24:42 AM |
| autonomous-truth | $75.00 | $75.00 | 5/27/2010 3:01:51 PM |
| treasure-hunter270 | $25.00 | $25.00 | 5/27/2010 5:31:48 PM |
| wlm3012 | $25.00 | $25.00 | 5/28/2010 11:26:46 AM |
| unger | $50.00 | $50.00 | 5/29/2010 2:21:48 PM |
| burgeoning-silver | $25.00 | $25.00 | 5/29/2010 3:34:57 PM |
| Aleut | $50.00 | $50.00 | 5/29/2010 4:17:40 PM |
| hidavehi | $25.77 | $25.77 | 5/30/2010 5:23:49 PM |
| Unitas4302 | $50.00 | $50.00 | 5/29/2010 3:56:49 PM |
| a-successful-credit | $50.00 | $50.00 | 5/30/2010 5:29:11 PM |
| reflective-rupee | $100.00 | $100.00 | 5/31/2010 9:02:55 PM |
| Bob450 | $25.00 | $25.00 | 5/31/2010 10:22:56 PM |
| epic-payout | $111.02 | $111.02 | 5/31/2010 4:22:15 PM |
| stevep1266 | $50.00 | $50.00 | 6/1/2010 11:46:13 AM |
| dynrep | $25.00 | $25.00 | 6/1/2010 8:49:29 AM |
| zydeco337 | $25.00 | $25.00 | 6/1/2010 10:10:56 AM |
| back-scratchers | $25.00 | $25.00 | 6/1/2010 3:36:31 PM |
| Snoopylover | $25.00 | $25.00 | 6/1/2010 12:28:43 PM |
| sensational-peace6 | $50.00 | $50.00 | 6/1/2010 3:35:00 PM |
| 72 bids
|
Borrower Payment Dependent Notes Series
460053
This series of Notes was issued and sold upon the funding of the borrower loan #42823, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $7,250.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% |
Auction start date:
| May-25-2010 |
| |
Auction end date:
| May-28-2010 |
|
|
Starting lender yield:
| 26.25% |
Starting borrower rate/APR:
| 27.25% / 29.59% |
Starting monthly payment:
| $296.96 |
|
Final lender yield:
| 26.25% |
Final borrower rate/APR:
| 27.25% / 29.59% |
Final monthly payment:
| $296.96 |
| |
|
Auction yield range:
| 10.99% - 26.25% |
Estimated loss impact:
| 10.65% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.60% | | |
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 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 scores:
| |
First credit line:
| Sep-2003 |
Debt/Income ratio:
| 18% |
|
Basic (1-10):
| 6 |
Inquiries last 6m:
| 2 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 11
/
9 | Length of status: | 5y 7m |
|
Credit score:
| 740-759 (May-2010) |
Total credit lines:
| 29 |
Occupation: | Computer Programmer |
|
Now delinquent:
| 1 |
Revolving credit balance:
| $2,888 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $350 |
Bankcard utilization:
| 14% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| money-firestarter8 |
Borrower's state:
| NewHampshire |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
My personal loan
Seems like I have been put in the?Prosper Rating "D"?because of the $350 Delinquent amount. I want to point out that this amount was from an Utility bill and was delinquent not because of my inability to pay but because I was unaware of this when I moved Apartments. I have already taken care of it last month once I noticed it on my credity history.
Apart from this, I have a pretty good credit history and my credit score reflects it. Have a low revolving credit balance and bankcard utilization as well.
The money from the loan would be primarily used for investment purposes.
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) |
|
| qwsd12 | $40.00 | $40.00 | 5/25/2010 4:16:42 PM |
| market-walnut5 | $50.00 | $50.00 | 5/25/2010 4:17:58 PM |
| flexible-value | $25.00 | $25.00 | 5/25/2010 4:16:47 PM |
| personal-lender | $25.00 | $25.00 | 5/25/2010 4:17:52 PM |
| greenwell | $25.00 | $25.00 | 5/25/2010 4:20:11 PM |
| Ocean713 | $50.00 | $50.00 | 5/25/2010 4:22:39 PM |
| rlrcstr | $25.00 | $25.00 | 5/25/2010 4:27:16 PM |
| riproaringrapids | $25.00 | $25.00 | 5/25/2010 4:22:48 PM |
| shrewd-peace7 | $30.00 | $30.00 | 5/25/2010 4:14:29 PM |
| successful-euro | $40.00 | $40.00 | 5/25/2010 4:14:40 PM |
| S-Master | $25.00 | $25.00 | 5/25/2010 4:14:45 PM |
| copper | $30.00 | $30.00 | 5/25/2010 4:53:07 PM |
| the-bid-sorcerer | $25.00 | $25.00 | 5/25/2010 5:11:18 PM |
| GiantAardvark | $25.00 | $25.00 | 5/25/2010 5:26:26 PM |
| maskir | $50.00 | $50.00 | 5/25/2010 5:26:27 PM |
| supreme-hope | $25.00 | $25.00 | 5/25/2010 4:42:00 PM |
| Phantom99 | $25.00 | $25.00 | 5/25/2010 4:16:53 PM |
| coachmike15 | $25.00 | $25.00 | 5/25/2010 4:17:08 PM |
| camaraderi-workhorse | $25.00 | $25.00 | 5/25/2010 4:17:12 PM |
| Rattlehead | $25.00 | $25.00 | 5/25/2010 4:17:55 PM |
| Comoparklender | $25.00 | $25.00 | 5/25/2010 8:11:23 PM |
| KrazyCelticKid | $50.00 | $50.00 | 5/25/2010 7:03:08 PM |
| basis-prodigy | $25.00 | $25.00 | 5/25/2010 9:46:23 PM |
| love-interest | $25.00 | $25.00 | 5/25/2010 9:57:03 PM |
| treasure-bliss | $38.45 | $38.45 | 5/25/2010 9:11:20 PM |
| unforgettable-fund2 | $25.00 | $25.00 | 5/25/2010 9:46:24 PM |
| Kaj | $25.00 | $25.00 | 5/25/2010 9:57:28 PM |
| authoritative-capital | $25.00 | $25.00 | 5/25/2010 9:57:32 PM |
| enriching-fund4 | $27.73 | $27.73 | 5/25/2010 10:06:44 PM |
| affluence-tycoon | $25.00 | $25.00 | 5/25/2010 4:25:55 PM |
| topher515 | $25.00 | $25.00 | 5/25/2010 4:26:14 PM |
| LendGuy | $25.00 | $25.00 | 5/26/2010 6:46:23 AM |
| red-favorable-basis | $25.00 | $25.00 | 5/25/2010 4:41:57 PM |
| reward-adventure | $30.00 | $30.00 | 5/25/2010 4:53:09 PM |
| DcUnited | $25.00 | $25.00 | 5/26/2010 8:06:18 AM |
| life-is-great | $25.00 | $25.00 | 5/26/2010 7:11:15 AM |
| gelidfrank | $25.00 | $25.00 | 5/25/2010 5:11:17 PM |
| Bank42 | $50.00 | $50.00 | 5/25/2010 5:16:34 PM |
| gjh37 | $25.00 | $25.00 | 5/26/2010 7:23:43 AM |
| deal-hickory5 | $25.00 | $25.00 | 5/25/2010 5:26:25 PM |
| intelligent-yield | $25.00 | $25.00 | 5/26/2010 8:52:20 AM |
| js44043 | $25.00 | $25.00 | 5/26/2010 8:06:20 AM |
| ssh1983 | $25.00 | $25.00 | 5/25/2010 5:48:37 PM |
| purdue98 | $25.00 | $25.00 | 5/26/2010 9:41:18 AM |
| Mantis75 | $25.00 | $25.00 | 5/25/2010 6:56:26 PM |
| tedsrfdude | $25.00 | $25.00 | 5/25/2010 7:36:14 PM |
| Share_The_Wealth | $33.31 | $33.31 | 5/26/2010 9:51:14 AM |
| CC911 | $25.00 | $25.00 | 5/26/2010 12:03:17 PM |
| rupee-artisan | $25.00 | $25.00 | 5/26/2010 12:37:02 PM |
| generous-deal6 | $25.00 | $25.00 | 5/25/2010 9:46:25 PM |
| HamletTower | $25.00 | $25.00 | 5/25/2010 10:17:08 PM |
| trustu | $25.00 | $25.00 | 5/25/2010 10:36:26 PM |
| 1phantom | $25.00 | $25.00 | 5/26/2010 12:36:19 PM |
| slartibardfast | $25.00 | $25.00 | 5/26/2010 12:11:23 AM |
| attractive-rate | $25.00 | $25.00 | 5/26/2010 3:07:10 PM |
| drg6289 | $25.00 | $25.00 | 5/26/2010 3:07:44 PM |
| Sam65 | $25.00 | $25.00 | 5/26/2010 2:01:17 PM |
| towering-compassion | $43.95 | $43.95 | 5/26/2010 3:41:20 PM |
| peace-missile | $25.00 | $25.00 | 5/26/2010 1:33:07 PM |
| mvalley | $25.00 | $25.00 | 5/26/2010 2:16:27 PM |
| revenue-achievement | $25.00 | $25.00 | 5/26/2010 2:28:00 PM |
| elegant-loot | $25.00 | $25.00 | 5/26/2010 3:41:21 PM |
| bonus-banker | $25.00 | $25.00 | 5/26/2010 4:52:07 PM |
| SolarMoonshine | $50.00 | $50.00 | 5/26/2010 5:23:38 PM |
| festeringsnot | $25.00 | $25.00 | 5/26/2010 7:13:14 PM |
| commerce-voyager | $25.00 | $25.00 | 5/26/2010 7:13:18 PM |
| auction-workhorse679 | $25.00 | $25.00 | 5/27/2010 9:34:39 AM |
| platinum-genetics | $50.00 | $50.00 | 5/27/2010 9:59:37 AM |
| Helenska11 | $25.00 | $25.00 | 5/27/2010 9:59:35 AM |
| cloud8 | $25.00 | $25.00 | 5/27/2010 11:56:59 AM |
| asiaratt | $100.00 | $100.00 | 5/27/2010 4:53:27 AM |
| GInBaghdad | $25.00 | $25.00 | 5/27/2010 3:33:16 PM |
| famous-bill | $43.52 | $43.52 | 5/27/2010 3:33:20 PM |
| dime-fighter | $25.00 | $25.00 | 5/27/2010 3:32:18 PM |
| compassion-bauble4 | $25.00 | $25.00 | 5/27/2010 3:33:17 PM |
| dime-reaction | $25.00 | $25.00 | 5/27/2010 3:33:22 PM |
| chakra | $25.00 | $25.00 | 5/27/2010 9:58:50 AM |
| natural-greenback6 | $25.00 | $25.00 | 5/27/2010 9:59:35 AM |
| godzig | $25.00 | $25.00 | 5/27/2010 9:59:39 AM |
| kmr2 | $96.55 | $96.55 | 5/27/2010 10:20:11 AM |
| demoseal | $25.00 | $25.00 | 5/27/2010 2:56:56 PM |
| bazzer | $25.00 | $25.00 | 5/27/2010 3:33:16 PM |
| MylesNH | $30.00 | $30.00 | 5/27/2010 3:52:20 PM |
| IIP77 | $25.00 | $25.00 | 5/27/2010 10:06:50 PM |
| micko | $25.00 | $25.00 | 5/27/2010 4:43:46 PM |
| thomas16882004 | $25.00 | $25.00 | 5/27/2010 11:20:24 PM |
| FeedTheMachine | $50.00 | $50.00 | 5/27/2010 11:31:02 PM |
| selfmademan | $25.00 | $25.00 | 5/27/2010 11:36:56 PM |
| bnlforever | $25.00 | $25.00 | 5/27/2010 11:32:25 PM |
| 108lender | $32.45 | $32.45 | 5/27/2010 11:52:55 PM |
| Shepherd7 | $30.00 | $30.00 | 5/28/2010 4:21:54 AM |
| wlm3012 | $25.00 | $25.00 | 5/28/2010 7:16:54 AM |
| golffish2 | $100.00 | $100.00 | 5/28/2010 7:49:44 AM |
| runner262 | $25.00 | $25.00 | 5/28/2010 9:06:20 AM |
| loan-master996 | $33.48 | $33.48 | 5/28/2010 9:05:57 AM |
| natecam | $25.00 | $25.00 | 5/27/2010 11:19:27 PM |
| wise-silver-wonder | $25.00 | $25.00 | 5/27/2010 11:30:58 PM |
| five-star-justice | $36.00 | $36.00 | 5/28/2010 12:48:06 AM |
| asmithj | $50.00 | $50.00 | 5/28/2010 9:38:56 AM |
| TheColoradoDon | $25.00 | $25.00 | 5/28/2010 9:39:26 AM |
| brosco2323 | $25.00 | $25.00 | 5/28/2010 9:55:12 AM |
| hayhelp | $25.00 | $25.00 | 5/28/2010 10:09:30 AM |
| nycloan | $25.00 | $25.00 | 5/28/2010 10:09:59 AM |
| sgf | $25.00 | $25.00 | 5/28/2010 10:47:20 AM |
| reflective-rupee | $100.00 | $100.00 | 5/28/2010 10:55:23 AM |
| snoopey100 | $25.00 | $25.00 | 5/28/2010 9:23:32 AM |
| i3urtonair | $25.00 | $25.00 | 5/28/2010 10:08:03 AM |
| derec | $25.00 | $25.00 | 5/28/2010 10:09:17 AM |
| stolan | $25.00 | $25.00 | 5/28/2010 10:09:35 AM |
| reflective-rupee | $100.00 | $100.00 | 5/28/2010 10:55:35 AM |
| SNH | $50.00 | $50.00 | 5/25/2010 4:16:57 PM |
| top-historic-peso | $26.00 | $26.00 | 5/25/2010 4:17:16 PM |
| JGB | $100.00 | $100.00 | 5/25/2010 4:17:44 PM |
| worth-arch | $25.00 | $25.00 | 5/25/2010 4:17:35 PM |
| autonomous-truth | $25.00 | $25.00 | 5/25/2010 4:22:53 PM |
| finance-prescription | $50.00 | $50.00 | 5/25/2010 4:16:27 PM |
| orderly-leverage | $30.00 | $30.00 | 5/25/2010 4:17:38 PM |
| actvtrdr | $35.00 | $35.00 | 5/25/2010 4:17:41 PM |
| dime-producer | $25.00 | $25.00 | 5/25/2010 5:11:19 PM |
| brother_tam | $50.00 | $50.00 | 5/25/2010 6:38:43 PM |
| orange-preeminant-bill | $25.00 | $25.00 | 5/25/2010 7:11:21 PM |
| macgeek | $25.00 | $25.00 | 5/25/2010 8:11:19 PM |
| cash-spark3 | $25.00 | $25.00 | 5/25/2010 4:22:45 PM |
| money-bauble | $75.00 | $75.00 | 5/25/2010 8:11:20 PM |
| Speculator | $66.40 | $66.40 | 5/25/2010 8:11:36 PM |
| dollar-birdie | $25.00 | $25.00 | 5/25/2010 4:23:21 PM |
| assetmanager | $25.00 | $25.00 | 5/25/2010 9:17:49 PM |
| desertoasis | $25.00 | $25.00 | 5/25/2010 4:26:27 PM |
| Elbanko | $25.00 | $25.00 | 5/25/2010 4:26:50 PM |
| 371millwood | $300.00 | $300.00 | 5/26/2010 6:44:25 AM |
| bowdish1 | $25.00 | $25.00 | 5/26/2010 6:03:39 AM |
| integrity-doctor | $33.40 | $33.40 | 5/26/2010 7:31:29 AM |
| calkidd05 | $25.00 | $25.00 | 5/26/2010 8:06:21 AM |
| focused-dime8 | $25.00 | $25.00 | 5/26/2010 8:21:09 AM |
| villagers | $25.00 | $25.00 | 5/26/2010 7:16:27 AM |
| rock-turner | $25.00 | $25.00 | 5/26/2010 8:31:13 AM |
| marketplace-buckeye | $25.00 | $25.00 | 5/26/2010 7:23:44 AM |
| cablenews | $25.00 | $25.00 | 5/26/2010 9:33:36 AM |
| Bailador | $25.00 | $25.00 | 5/26/2010 9:36:29 AM |
| JustMee | $25.00 | $25.00 | 5/26/2010 10:42:53 AM |
| DadWarbucks | $25.00 | $25.00 | 5/26/2010 11:31:16 AM |
| papaloha | $34.65 | $34.65 | 5/26/2010 2:13:06 PM |
| supreme-bonus0 | $25.00 | $25.00 | 5/25/2010 11:21:38 PM |
| melodious-fairness | $25.00 | $25.00 | 5/26/2010 2:43:38 PM |
| payment-gusto | $25.00 | $25.00 | 5/26/2010 1:42:08 AM |
| kindness-percolator5 | $25.00 | $25.00 | 5/26/2010 3:08:06 PM |
| persevering | $48.06 | $48.06 | 5/26/2010 3:16:23 PM |
| greatwhiteninja | $25.00 | $25.00 | 5/26/2010 6:46:20 AM |
| MARWARISETH | $25.00 | $25.00 | 5/26/2010 6:57:37 AM |
| SDNLR | $25.00 | $25.00 | 5/26/2010 3:32:19 PM |
| oldmora | $34.58 | $34.58 | 5/26/2010 3:07:12 PM |
| Zolton | $200.00 | $200.00 | 5/26/2010 8:06:17 AM |
| junctionking | $25.00 | $25.00 | 5/26/2010 3:32:15 PM |
| Dubbs360 | $30.53 | $30.53 | 5/26/2010 9:03:20 AM |
| seisen | $48.74 | $48.74 | 5/26/2010 9:11:30 AM |
| shiny-dollar9 | $25.00 | $25.00 | 5/26/2010 9:37:31 AM |
| orange-courageous-dedication | $30.00 | $30.00 | 5/26/2010 10:21:23 AM |
| industrious-dedication | $25.00 | $25.00 | 5/26/2010 2:53:08 PM |
| neutrino6 | $25.00 | $25.00 | 5/26/2010 2:53:23 PM |
| balance-hercules | $100.00 | $100.00 | 5/26/2010 4:41:14 PM |
| honorable-yield | $35.00 | $35.00 | 5/26/2010 6:22:02 PM |
| rhin0cerx | $50.00 | $50.00 | 5/26/2010 6:43:50 PM |
| antrux | $25.00 | $25.00 | 5/27/2010 9:34:03 AM |
| balanced-bill7 | $50.00 | $50.00 | 5/26/2010 6:45:27 PM |
| social-conductor4 | $25.00 | $25.00 | 5/26/2010 7:11:55 PM |
| wampum-chorus3 | $25.00 | $25.00 | 5/27/2010 9:58:31 AM |
| sentimental-peace8 | $25.00 | $25.00 | 5/27/2010 9:58:29 AM |
| A007 | $25.00 | $25.00 | 5/27/2010 9:59:37 AM |
| tkr2 | $25.00 | $25.00 | 5/26/2010 7:41:19 PM |
| peterpossum | $25.00 | $25.00 | 5/27/2010 2:31:58 PM |
| poppinkid | $25.00 | $25.00 | 5/27/2010 3:21:55 PM |
| mtquan | $25.00 | $25.00 | 5/27/2010 3:33:14 PM |
| frogperson | $25.00 | $25.00 | 5/27/2010 3:33:18 PM |
| bonus-zone | $25.00 | $25.00 | 5/27/2010 3:33:22 PM |
| autonomous-basis | $25.00 | $25.00 | 5/27/2010 3:33:19 PM |
| money-explorer3 | $25.00 | $25.00 | 5/27/2010 4:19:46 PM |
| special-truth | $34.00 | $34.00 | 5/27/2010 2:31:57 PM |
| aasx1108 | $25.00 | $25.00 | 5/27/2010 2:52:39 PM |
| tjone69 | $30.00 | $30.00 | 5/27/2010 3:33:21 PM |
| cognizant-rate732 | $50.00 | $50.00 | 5/27/2010 4:23:28 PM |
| kginatl | $25.00 | $25.00 | 5/27/2010 10:59:15 PM |
| delivery | $25.00 | $25.00 | 5/27/2010 11:19:44 PM |
| jlr613 | $25.00 | $25.00 | 5/27/2010 11:20:12 PM |
| rokdim | $25.84 | $25.84 | 5/27/2010 11:28:02 PM |
| loan-gatherer | $25.00 | $25.00 | 5/27/2010 11:28:20 PM |
| cash-tiramisu | $42.63 | $42.63 | 5/27/2010 11:29:39 PM |
| KiwiElf | $25.00 | $25.00 | 5/27/2010 11:37:16 PM |
| StarzRLimit | $25.00 | $25.00 | 5/28/2010 12:51:42 AM |
| ezg | $25.00 | $25.00 | 5/28/2010 12:18:13 AM |
| caNative | $25.00 | $25.00 | 5/27/2010 7:22:47 PM |
| head | $25.00 | $25.00 | 5/28/2010 5:06:55 AM |
| FerventOne | $50.00 | $50.00 | 5/28/2010 5:14:09 AM |
| naty25 | $110.00 | $110.00 | 5/28/2010 7:48:15 AM |
| lostviajero | $25.00 | $25.00 | 5/28/2010 9:52:54 AM |
| b-rent | $25.00 | $25.00 | 5/28/2010 10:10:35 AM |
| tuneman1980 | $25.00 | $25.00 | 5/28/2010 10:09:14 AM |
| ndwayno | $25.00 | $25.00 | 5/28/2010 10:09:33 AM |
| investment-seeker7 | $25.00 | $25.00 | 5/28/2010 8:08:21 AM |
| reflective-rupee | $400.00 | $309.00 | 5/28/2010 10:55:57 AM |
| wwwUniversal | $25.00 | $25.00 | 5/28/2010 10:58:30 AM |
| mdf | $50.00 | $50.00 | 5/28/2010 9:39:22 AM |
| Supp0rter | $55.73 | $55.73 | 5/28/2010 10:08:06 AM |
| Roohugger | $25.00 | $25.00 | 5/28/2010 10:51:01 AM |
| 203 bids
|
Borrower Payment Dependent Notes Series
460129
This series of Notes was issued and sold upon the funding of the borrower loan #42803, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 6.5% |
Auction start date:
| May-26-2010 |
| |
Auction end date:
| May-27-2010 |
|
|
Starting lender yield:
| 18.90% |
Starting borrower rate/APR:
| 19.90% / 22.14% |
Starting monthly payment:
| $74.23 |
|
Final lender yield:
| 18.90% |
Final borrower rate/APR:
| 19.90% / 22.14% |
Final monthly payment:
| $74.23 |
| |
|
Auction yield range:
| 7.99% - 18.90% |
Estimated loss impact:
| 6.94% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 11.96% | | |
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 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 scores:
| |
First credit line:
| Oct-1993 |
Debt/Income ratio:
| 31% |
|
Basic (1-10):
| 9 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 10
/
7 | Length of status: | 15y 9m |
|
Credit score:
| 680-699 (May-2010) |
Total credit lines:
| 19 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $13,409 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 95% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| ertimo |
Borrower's state:
| Virginia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
My loan for an auto purchase
This listing has a higher likelihood to fund and therefore does not include a description. If you would like additional information from this borrower, please ask a question in the Q&A section below.
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) |
|
| Pulchritudinous | $25.00 | $25.00 | 5/26/2010 4:16:01 PM |
| top-historic-peso | $25.00 | $25.00 | 5/26/2010 4:16:08 PM |
| Bank_Of_XL | $50.00 | $50.00 | 5/26/2010 5:39:55 PM |
| neorunner | $25.00 | $25.00 | 5/26/2010 5:34:28 PM |
| enthusiastic-balance5 | $100.00 | $100.00 | 5/26/2010 4:17:17 PM |
| ddog0224 | $25.00 | $25.00 | 5/26/2010 4:17:25 PM |
| wayman | $25.00 | $25.00 | 5/26/2010 4:17:36 PM |
| benefit-dreams | $50.00 | $50.00 | 5/26/2010 7:31:27 PM |
| hopeful-point | $25.00 | $25.00 | 5/26/2010 8:54:44 PM |
| riproaringrapids | $25.00 | $25.00 | 5/26/2010 4:31:35 PM |
| tjone69 | $300.00 | $300.00 | 5/27/2010 12:47:05 AM |
| a-tranquil-liberty | $25.00 | $25.00 | 5/26/2010 5:21:18 PM |
| steady-bazaar | $25.00 | $25.00 | 5/27/2010 7:53:28 AM |
| wlm3012 | $25.00 | $25.00 | 5/27/2010 7:58:12 AM |
| region123 | $50.00 | $50.00 | 5/27/2010 8:43:13 AM |
| EngineersAlliance | $75.00 | $75.00 | 5/27/2010 9:58:44 AM |
| wwwUniversal | $25.00 | $25.00 | 5/27/2010 9:54:09 AM |
| smart-gold | $25.00 | $25.00 | 5/27/2010 11:04:19 AM |
| market-pudding | $25.00 | $25.00 | 5/27/2010 7:23:01 PM |
| Avala | $50.00 | $50.00 | 5/26/2010 4:16:49 PM |
| economy-producer | $25.00 | $25.00 | 5/26/2010 4:15:47 PM |
| the-profit-oracle | $25.00 | $25.00 | 5/26/2010 4:17:09 PM |
| worth-arch | $25.00 | $25.00 | 5/26/2010 4:16:25 PM |
| dinero-speaker | $50.00 | $50.00 | 5/26/2010 4:16:57 PM |
| gracej | $25.00 | $25.00 | 5/26/2010 4:19:49 PM |
| integrity-trumpet | $50.00 | $50.00 | 5/26/2010 4:20:48 PM |
| successful-euro | $50.00 | $50.00 | 5/26/2010 4:31:39 PM |
| bonus-banker | $25.00 | $25.00 | 5/26/2010 4:56:40 PM |
| SNH | $50.00 | $50.00 | 5/26/2010 4:15:55 PM |
| studious-bonus7 | $50.00 | $50.00 | 5/26/2010 4:16:16 PM |
| hrubinst | $25.00 | $25.00 | 5/26/2010 4:16:39 PM |
| Phantom99 | $25.00 | $25.00 | 5/26/2010 4:17:01 PM |
| american6 | $25.00 | $25.00 | 5/26/2010 4:18:36 PM |
| kegs | $100.00 | $100.00 | 5/26/2010 4:18:56 PM |
| PRGuyinVA | $25.00 | $25.00 | 5/26/2010 6:44:59 PM |
| chestnut4 | $25.00 | $25.00 | 5/26/2010 4:19:36 PM |
| golden-wealth2 | $50.00 | $50.00 | 5/26/2010 4:20:05 PM |
| interest-jedi0 | $25.00 | $25.00 | 5/26/2010 8:21:22 PM |
| sharp-money3 | $25.00 | $25.00 | 5/26/2010 8:51:23 PM |
| rescue | $50.00 | $50.00 | 5/26/2010 4:31:29 PM |
| 850 | $50.00 | $50.00 | 5/26/2010 9:34:05 PM |
| loan-kung-fu | $25.00 | $25.00 | 5/26/2010 5:17:53 PM |
| openness-cymbal | $25.00 | $25.00 | 5/27/2010 9:34:11 AM |
| dnathe4th | $50.00 | $39.10 | 5/27/2010 9:34:17 AM |
| money-bauble | $41.25 | $41.25 | 5/26/2010 8:33:08 PM |
| Sefotonga | $25.00 | $25.00 | 5/26/2010 11:18:35 PM |
| ichibon | $44.65 | $44.65 | 5/27/2010 8:59:02 AM |
| 47 bids
|
Borrower Payment Dependent Notes Series
460285
This series of Notes was issued and sold upon the funding of the borrower loan #42815, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,500.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% |
Auction start date:
| May-27-2010 |
| |
Auction end date:
| May-29-2010 |
|
|
Starting lender yield:
| 24.00% |
Starting borrower rate/APR:
| 25.00% / 27.57% |
Starting monthly payment:
| $59.64 |
|
Final lender yield:
| 24.00% |
Final borrower rate/APR:
| 25.00% / 27.57% |
Final monthly payment:
| $59.64 |
| |
|
Auction yield range:
| 10.99% - 24.00% |
Estimated loss impact:
| 10.59% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.41% | | |
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 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 scores:
| |
First credit line:
| Apr-2005 |
Debt/Income ratio:
| 9% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 4
/
4 | Length of status: | 0y 8m |
|
Credit score:
| 660-679 (May-2010) |
Total credit lines:
| 7 |
Occupation: | Executive |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $1,048 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 46% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| nasko |
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.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 10 ( 100% )
| 660-679 (Latest)
|
|
Principal borrowed:
| $2,500.00 | < 31 days late:
| 0
( 0% )
| 700-719
(May-2008)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 10 | | |
Description
My loan for debt consolidation
I need to consolidate some small debts and need a loan from Prosper to do that. I used Prosper before and will make sure that my payments are made on time! I recently got a little raise and this will allow me to take care of the monthly payments!
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) |
|
| alexgalt | $100.00 | $100.00 | 5/27/2010 4:25:41 PM |
| focused-dime8 | $25.00 | $25.00 | 5/27/2010 5:56:20 PM |
| pwez652 | $25.00 | $25.00 | 5/28/2010 4:59:17 AM |
| zento | $25.00 | $25.00 | 5/28/2010 10:13:33 AM |
| crippledcircus | $75.00 | $75.00 | 5/28/2010 8:17:41 AM |
| mlaner92 | $30.00 | $30.00 | 5/28/2010 9:14:18 AM |
| drcoop | $25.00 | $25.00 | 5/28/2010 9:47:52 AM |
| killdare | $25.00 | $25.00 | 5/28/2010 2:05:03 PM |
| frclmym | $50.00 | $50.00 | 5/28/2010 2:14:29 PM |
| mercuriant | $25.00 | $25.00 | 5/28/2010 2:19:13 PM |
| clandrummer | $25.00 | $25.00 | 5/28/2010 3:41:27 PM |
| return-grizzly | $100.00 | $100.00 | 5/29/2010 12:43:18 AM |
| sincere-balance | $25.00 | $25.00 | 5/29/2010 11:46:36 AM |
| mlj0671 | $25.00 | $25.00 | 5/29/2010 10:53:51 AM |
| transaction-circuit | $25.00 | $25.00 | 5/27/2010 4:45:23 PM |
| wealth-cub | $30.00 | $30.00 | 5/27/2010 10:58:39 PM |
| Finchy78 | $25.00 | $25.00 | 5/28/2010 1:30:38 PM |
| trade-elm | $25.00 | $25.00 | 5/28/2010 2:20:06 PM |
| dermit | $25.00 | $25.00 | 5/28/2010 3:42:42 PM |
| jpollar | $50.00 | $50.00 | 5/28/2010 4:32:04 PM |
| first-serene-credit | $25.00 | $25.00 | 5/28/2010 10:17:18 PM |
| spiff666 | $37.24 | $37.24 | 5/29/2010 8:23:44 AM |
| loan-fate | $50.00 | $2.76 | 5/29/2010 9:31:41 AM |
| DasMula | $25.00 | $25.00 | 5/29/2010 10:32:32 AM |
| Wachocia | $25.00 | $25.00 | 5/29/2010 10:56:46 AM |
| EngineersAlliance | $75.00 | $75.00 | 5/29/2010 11:52:50 AM |
| mdree | $50.00 | $50.00 | 5/29/2010 1:16:15 PM |
| econgineer | $25.00 | $25.00 | 5/29/2010 11:47:26 AM |
| heerzaquestion | $25.00 | $25.00 | 5/29/2010 6:11:14 AM |
| brilliant-balance | $25.00 | $25.00 | 5/29/2010 6:13:09 AM |
| Unitas4302 | $200.00 | $200.00 | 5/29/2010 7:47:49 AM |
| marwadi-62 | $200.00 | $200.00 | 5/29/2010 9:27:16 AM |
| conductor146 | $25.00 | $25.00 | 5/29/2010 10:54:23 AM |
| 33 bids
|
Borrower Payment Dependent Notes Series
460575
This series of Notes was issued and sold upon the funding of the borrower loan #42817, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $3,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% |
Auction start date:
| May-28-2010 |
| |
Auction end date:
| Jun-01-2010 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $135.71 |
|
Final lender yield:
| 34.00% |
Final borrower rate/APR:
| 35.00% / 37.45% |
Final monthly payment:
| $135.71 |
| |
|
Auction yield range:
| 16.99% - 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 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 scores:
| |
First credit line:
| Jan-1998 |
Debt/Income ratio:
| 17% |
|
Basic (1-10):
| 5 |
Inquiries last 6m:
| 3 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 10
/
9 | Length of status: | 6y 10m |
|
Credit score:
| 640-659 (Apr-2010) |
Total credit lines:
| 30 |
Occupation: | Other |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $2,341 | Stated income: | $75,000-$99,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 85% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| combine123 |
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:
| 0 ( 0% )
| 640-659 (Latest)
|
|
Principal borrowed:
| $2,500.00 | < 31 days late:
| 0
( 0% )
| 620-639
(Jul-2009)
660-679
(Jan-2008)
660-679
(Dec-2007)
680-699
(Nov-2007)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 0 | | |
Description
DEBT CONSOLIDAITON
This loan was already fully funded but had an old bank account attached.? Please feel free to ask me any questions and please help us consolidate our debt.
My wife and I recently purchased a home and would like to consolidate a bunch of small credit cards that we have to only have to pay 1 monthly bill to help budget easier.
Below is a breakdown of our monthly expenses.? As you can see, we can comfortably pay this loan.
Net Income $7,000
Mortgage -$2800
Auto -$640
Credit - -$300
Utilities/Cell/Internet - $500
Food -$300
Student Loan -$140
Auto Insurance -$250
Misc/Other -$1000
Extra - $1000
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) |
|
| frugalinvestor20 | $25.00 | $25.00 | 5/28/2010 4:03:16 PM |
| reflective-rupee | $100.00 | $100.00 | 5/28/2010 4:09:15 PM |
| reflective-rupee | $100.00 | $100.00 | 5/28/2010 4:09:54 PM |
| the-payout-hug | $25.00 | $25.00 | 5/28/2010 10:21:03 PM |
| reflective-rupee | $100.00 | $100.00 | 5/28/2010 4:09:34 PM |
| nilonc1 | $300.00 | $300.00 | 5/29/2010 10:59:09 PM |
| a-successful-credit | $50.00 | $50.00 | 5/30/2010 5:41:36 PM |
| vine99 | $40.00 | $40.00 | 5/30/2010 12:03:40 PM |
| riverflow | $25.00 | $25.00 | 6/1/2010 7:51:14 AM |
| DasMula | $25.00 | $25.00 | 5/29/2010 9:25:35 AM |
| Legally_Blonde | $39.21 | $39.21 | 5/28/2010 7:16:21 PM |
| credit-coach118 | $45.00 | $45.00 | 5/30/2010 10:06:22 AM |
| rockhound84 | $25.00 | $25.00 | 6/1/2010 10:02:34 AM |
| 113121 | $3,000.00 | $2,000.79 | 5/31/2010 5:52:39 PM |
| hopeful-point | $100.00 | $100.00 | 6/1/2010 8:00:17 AM |
| 15 bids
|
Borrower Payment Dependent Notes Series
459572
This series of Notes was issued and sold upon the funding of the borrower loan #42780, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 19.0% |
Auction start date:
| May-24-2010 |
| |
Auction end date:
| May-28-2010 |
|
|
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:
| 16.99% - 34.00% |
Estimated loss impact:
| 21.01% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 12.99% | | |
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 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 scores:
| |
First credit line:
| Jan-1978 |
Debt/Income ratio:
| 24% |
|
Basic (1-10):
| 4 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 2 |
Current / open credit lines:
| 7
/
7 | Length of status: | 3y 9m |
|
Credit score:
| 620-639 (May-2010) |
Total credit lines:
| 21 |
Occupation: | Other |
|
Now delinquent:
| 4 |
Revolving credit balance:
| $2,971 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $501 |
Bankcard utilization:
| 58% | | |
|
Public records last 12m / 10y:
| 1/ 1 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| Yodabab |
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:
| 19 ( 100% )
| 620-639 (Latest)
|
|
Principal borrowed:
| $1,499.00 | < 31 days late:
| 0
( 0% )
| 540-559
(Sep-2008)
540-559
(Aug-2008)
|
|
Principal balance:
| $898.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 19 | | |
Description
Paying off and consolidating Loans
Purpose of loan:
This loan will be used to?
payoff small?loans that have very high interest, just trying to get these paid, it was a mistake to get these loans, but I have never not paid them on time.? The 4 delinguent accts are from my divorce that my ex- had in his name and mine, I have contacted the bureau they are small accts that he is suppose to take care of per our agreement.
My financial situation:
I am a good candidate for this loan because? I currently have a loan wtih prosper that has been paid on time and my credit has improved by 80 points, I continually strive to improve and pay off higner int rate loans.? I am currently?paying more that what my payment would be if approved and I will make sure I pay?it off as soon as possible
Monthly net income: $ 2,650
Monthly expenses: $
??Housing: $?700????????
??Insurance: $?90
??Car expenses: $ 100
??Utilities: $ 130
??Phone, cable, internet: $?110
??Food, entertainment: $ 450
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 500
??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
Q:
Please list the balances, interest rates and monthly payments for each of your debts. Please explain the current delinquency shown on your credit profile. Thanks and best wishes. - reflective-rupee
A:
The deliquency that I am aware of are as follow:
EJ Harrison $59. 07/06 (Coast to Coast Collect) , So Calif Edison $203. 07/06, AT & T $59. 07/06, and I believe a small urgent care chrge for apprx $150.
The balances and int rate that I would like to pay-off are as follows:
Sun Loan $1,100.00 approx; Int rate: 80.33 ; pymts $127.00 unti 04/11
Mast Fin $ 300.00 approx: Int rate: 117.46; pymts $46.50 until 11/10
Thank you for your question and consideration.
(May-26-2010)
Q:
Do you have any other debts of any kind other than the debts that you have listed above? Thanks - reflective-rupee
A:
Yes, but the int rates are manageable and I am paying off. I always pay everything on time, have not had any lates or fees of any sort since my divorce......very proud of that, and of course no current deliguencies or bad marks attributed to me.
I would just like to consolidate those high int rates, which are a waste of money
(May-27-2010)
Q:
For all additional debts (ie, the ones that you would not consolidate with this Prosper loan), please list the balance owed, the monthly payment and the interest rate. Thanks - reflective-rupee
A:
My add'l debts are as follows: Sec Fin $980 Bal, Int 69.98%, Pymt $118; Cap One $420 Bal , Int 22.90%, Pymt $30; JCP $825 Bal, Int 23.99, Pymt $60. Prosper (current ln) $898 Bal, Int 34%, Pymt $67, MC $920 Bal, Int 21.90%, Pymt $61. I try to pay more than the minimum, to pay off sooner. Thank you for your question and again for your consideration
(May-27-2010)
Q:
see my page please. - Tono
A:
Thank you for your feedback,,,I listed my debts and also, my monthly expenses on the listing,,, I also, expanded on my answers to the other questions, is there more I can do to be more clear. Really appreciate your feedback.
(May-27-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| blitzen40 | $25.00 | $25.00 | 5/24/2010 8:24:38 PM |
| reflective-rupee | $150.00 | $150.00 | 5/26/2010 11:31:57 AM |
| big_balla | $25.00 | $25.00 | 5/27/2010 7:08:47 AM |
| chameleon125 | $50.00 | $50.00 | 5/27/2010 7:59:30 AM |
| brokerplus | $50.00 | $50.00 | 5/27/2010 9:43:34 AM |
| skater | $25.00 | $25.00 | 5/26/2010 7:55:59 PM |
| victor111 | $75.00 | $75.00 | 5/26/2010 11:13:52 PM |
| aztocas | $50.00 | $50.00 | 5/27/2010 7:01:26 AM |
| Tono | $25.00 | $25.00 | 5/27/2010 4:29:05 PM |
| reliable-vigilance | $29.71 | $29.71 | 5/27/2010 4:01:17 PM |
| realtormoises | $25.00 | $25.00 | 5/28/2010 11:36:45 AM |
| twjh | $25.00 | $25.00 | 5/28/2010 11:44:53 AM |
| Engineer44 | $25.00 | $21.07 | 5/28/2010 1:21:20 PM |
| marwadi-62 | $200.00 | $200.00 | 5/28/2010 11:39:28 AM |
| well-mannered-income3 | $40.00 | $40.00 | 5/28/2010 11:45:42 AM |
| Kash2010lu | $35.00 | $35.00 | 5/26/2010 4:07:39 PM |
| Legally_Blonde | $50.00 | $50.00 | 5/26/2010 4:39:16 PM |
| aquistoyraul | $25.00 | $25.00 | 5/26/2010 7:58:04 PM |
| AndyT1999 | $25.00 | $25.00 | 5/26/2010 10:46:19 PM |
| return-grizzly | $100.00 | $100.00 | 5/27/2010 12:03:11 AM |
| well-mannered-income3 | $40.00 | $40.00 | 5/27/2010 7:31:57 PM |
| AdamsWay | $25.00 | $25.00 | 5/27/2010 8:01:53 PM |
| wlm3012 | $25.00 | $25.00 | 5/28/2010 6:49:43 AM |
| PrincessGrace33 | $240.00 | $240.00 | 5/28/2010 3:41:10 AM |
| red-favorable-basis | $25.00 | $25.00 | 5/28/2010 5:50:58 AM |
| selector568 | $44.22 | $44.22 | 5/28/2010 10:10:37 AM |
| dynrep | $25.00 | $25.00 | 5/28/2010 12:57:02 PM |
| Skeptical-one | $25.00 | $25.00 | 5/28/2010 12:19:28 PM |
| 28 bids
|
Borrower Payment Dependent Notes Series
459838
This series of Notes was issued and sold upon the funding of the borrower loan #42777, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $5,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% |
Auction start date:
| May-25-2010 |
| |
Auction end date:
| Jun-01-2010 |
|
|
Starting lender yield:
| 26.25% |
Starting borrower rate/APR:
| 27.25% / 29.59% |
Starting monthly payment:
| $204.80 |
|
Final lender yield:
| 25.66% |
Final borrower rate/APR:
| 26.66% / 28.99% |
Final monthly payment:
| $203.22 |
| |
|
Auction yield range:
| 10.99% - 26.25% |
Estimated loss impact:
| 10.64% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.02% | | |
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 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 scores:
| |
First credit line:
| May-1995 |
Debt/Income ratio:
| 16% |
|
Basic (1-10):
| 7 |
Inquiries last 6m:
| 0 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 19
/
14 | Length of status: | 2y 8m |
|
Credit score:
| 700-719 (May-2010) |
Total credit lines:
| 35 |
Occupation: | Professional |
|
Now delinquent:
| 1 |
Revolving credit balance:
| $36,447 | Stated income: | $100,000+ |
|
Amount delinquent:
| $3,520 |
Bankcard utilization:
| 77% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| jchristine76 |
Borrower's state:
| Georgia |
Borrower's group:
| 440+ Supporting Lenders. Get FUNDED @ LOWER % than ANY 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 / 2 |
On-time:
| 62 ( 98% )
| 700-719 (Latest)
|
|
Principal borrowed:
| $10,000.00 | < 31 days late:
| 1
( 2% )
| 640-659
(Dec-2007)
660-679
(Nov-2007)
660-679
(Aug-2006)
|
|
Principal balance:
| $1,089.49 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 63 | | |
Description
Time to Update my Condo for Sale
Purpose of loan:
I've been in this condo for almost 3 years, and I need to make improvements in order to sell. I've been told that if I make certain improvements in the cabinets, flooring and other updates, I'll be able to sell my condo for a bit over my outstanding loan in order to purchase a house. I have used Prosper in the past, and I am just about to pay off my 2nd loan!? I very much enjoy the premise of Prosper, and appreciate its use for these circumstances. I have a perfect Prosper rating, because I have always made every payment on time on two loans, and I'm about to end my 2nd loan with a perfect record!
My financial situation:
I make a great salary, but it is very hard to get traditional credit in this market. My report does show that I have 1 late payment, which was actually a bank failure in my mortgage payment last month, which has been resolved. I'm just waiting for my note holder to update my credit report. Still, my credit score shows improvement and a very solid score over 700. I recently graduated graduate school (with help from Prosper!) and some of my loans are private and show up as "bankcard" type loans on my Prosper profile. I've consolidated as much as I can, but they tend to show up as individual (by term/semester) and either revolving credit or installment loans as opposed to student loans. Ah the life of Graduate Students!
Monthly net income: $
$5700.00
Monthly expenses: $
??Housing: $
1400
??Insurance: $
120
??Car expenses: $
40
??Utilities: $ 65
??Phone, cable, internet: $
90
??Food, entertainment: $
150
??Clothing, household expenses $
50
??Credit cards and other loans: $ 650
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:
The housing market is at a low right now. If you are unable to sell your condo in the near future, will you have the capital to continue making payments? Please describe the savings you can use in the event you can't sell in the next 12 months. - money-baron
A:
Yes of course. I'm not behind on my payments and I have no problem making them. The way the market is in my part of Atlanta and my specific building is that I shouldn't have a problem. I just know that I need to do these upgrades for whenever I want to sell it, in order to make a tiny profit. Unfortunately houses proper are exponentially more expensive than condos in Atlanta, so that is what I'm aiming for. I'll wait if I can sell it, and will have no problem with that. Just want a yard :)
(May-27-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| reflective-rupee | $25.00 | $25.00 | 5/25/2010 4:55:36 PM |
| tntmojave | $25.00 | $25.00 | 5/25/2010 4:15:52 PM |
| JustMee | $25.00 | $25.00 | 5/25/2010 5:24:37 PM |
| Legally_Blonde | $25.00 | $25.00 | 5/25/2010 8:35:18 PM |
| neorunner | $25.00 | $25.00 | 5/26/2010 5:38:18 PM |
| SolarMoonshine | $25.00 | $25.00 | 5/26/2010 5:34:09 PM |
| rockhound84 | $50.00 | $50.00 | 5/26/2010 6:59:07 PM |
| MoneyForNothing | $25.00 | $25.00 | 5/26/2010 11:42:25 PM |
| money-baron | $31.70 | $31.70 | 5/26/2010 8:04:08 PM |
| DasMula | $25.00 | $25.00 | 5/27/2010 10:26:54 PM |
| ChrisKwan | $25.00 | $25.00 | 5/27/2010 10:46:18 PM |
| wwwUniversal | $25.00 | $25.00 | 5/27/2010 6:52:18 PM |
| wlm3012 | $25.00 | $25.00 | 5/28/2010 7:10:36 AM |
| Dollars4Rent | $25.00 | $25.00 | 5/28/2010 4:53:34 PM |
| Unitas4302 | $300.00 | $300.00 | 5/29/2010 3:57:47 PM |
| psycardis | $25.00 | $25.00 | 5/29/2010 5:00:15 PM |
| d_grbg | $25.00 | $25.00 | 5/29/2010 8:26:56 PM |
| market-pudding | $25.00 | $25.00 | 5/30/2010 1:57:32 AM |
| five-star-note | $50.00 | $50.00 | 5/29/2010 4:39:25 PM |
| loss-of-control | $25.00 | $25.00 | 5/30/2010 5:13:59 PM |
| Bob450 | $40.00 | $40.00 | 5/30/2010 9:21:49 PM |
| sunshinysmiles | $25.00 | $25.00 | 5/30/2010 2:37:36 PM |
| return-grizzly | $100.00 | $100.00 | 5/31/2010 12:09:00 PM |
| irrelevant | $25.00 | $25.00 | 5/31/2010 2:03:03 PM |
| farchoir | $25.00 | $25.00 | 6/1/2010 12:16:58 AM |
| Leshan | $100.00 | $100.00 | 6/1/2010 7:06:59 AM |
| ultimate-dough0 | $25.00 | $25.00 | 6/1/2010 7:10:51 AM |
| credit-coach118 | $35.00 | $35.00 | 6/1/2010 8:33:02 AM |
| Simply2fly | $25.00 | $25.00 | 6/1/2010 6:32:23 AM |
| vigilance-searcher | $25.00 | $25.00 | 5/31/2010 4:13:59 PM |
| liberty-injector | $50.00 | $50.00 | 6/1/2010 9:05:38 AM |
| rupee-kung-fu7 | $27.28 | $27.28 | 6/1/2010 8:46:58 AM |
| crstal2000 | $25.00 | $25.00 | 6/1/2010 8:48:12 AM |
| Champion_Lending | $25.00 | $25.00 | 6/1/2010 9:08:52 AM |
| wealth-multiplier | $27.00 | $27.00 | 5/31/2010 4:37:15 PM |
| wyogirllender | $25.00 | $25.00 | 5/31/2010 6:06:26 PM |
| frclmym | $50.00 | $50.00 | 5/31/2010 8:34:04 PM |
| autoconnection | $48.51 | $48.51 | 6/1/2010 5:13:45 AM |
| satisfying-deal5 | $100.00 | $100.00 | 6/1/2010 9:38:31 AM |
| aha6297 | $32.50 | $32.50 | 6/1/2010 12:03:00 PM |
| aultraman | $25.00 | $25.00 | 6/1/2010 12:05:11 PM |
| Snoopylover | $25.00 | $25.00 | 6/1/2010 12:28:44 PM |
| Feyenoord | $30.93 | $30.93 | 6/1/2010 2:59:26 PM |
| ultimate-peace | $100.00 | $100.00 | 6/1/2010 1:12:28 PM |
| reflective-rupee | $25.00 | $25.00 | 6/1/2010 3:29:33 PM |
| boomer5 | $25.00 | $25.00 | 6/1/2010 3:36:22 PM |
| balanced-balance6 | $25.00 | $25.00 | 6/1/2010 4:08:52 PM |
| peace-missile | $50.00 | $50.00 | 6/1/2010 1:03:17 PM |
| Frosty | $25.00 | $25.00 | 6/1/2010 1:54:51 PM |
| Mikale360 | $25.00 | $25.00 | 6/1/2010 2:04:44 PM |
| goodhearted-basis4 | $25.00 | $25.00 | 6/1/2010 2:48:34 PM |
| revenue-appraiser | $25.00 | $25.00 | 6/1/2010 3:08:43 PM |
| sensational-peace6 | $50.00 | $50.00 | 6/1/2010 3:27:41 PM |
| rockhound84 | $25.00 | $25.00 | 6/1/2010 3:35:07 PM |
| cognizant-rate732 | $50.00 | $50.00 | 5/26/2010 3:42:31 PM |
| roxon | $63.00 | $63.00 | 5/26/2010 8:01:49 PM |
| lsx7 | $200.00 | $200.00 | 5/27/2010 7:04:40 PM |
| grnii78 | $128.22 | $128.22 | 5/28/2010 6:21:22 AM |
| grnii78 | $100.00 | $100.00 | 5/28/2010 6:21:38 AM |
| loyalist1 | $100.00 | $100.00 | 5/28/2010 9:23:21 AM |
| jpblan11 | $25.00 | $25.00 | 5/28/2010 12:49:35 PM |
| exchange-cowbell5 | $25.00 | $25.00 | 5/28/2010 1:03:55 PM |
| LoanerPrincipal | $33.90 | $33.90 | 5/28/2010 7:46:56 PM |
| glroark | $50.00 | $50.00 | 5/29/2010 1:08:58 PM |
| leverage-monger | $25.00 | $25.00 | 5/29/2010 6:46:37 AM |
| mlj0671 | $26.00 | $26.00 | 5/29/2010 10:32:58 AM |
| RainyDayFunds | $25.00 | $25.00 | 5/30/2010 1:42:13 AM |
| greenback-chairman5 | $25.00 | $25.00 | 5/30/2010 10:42:01 AM |
| order-bee1 | $25.00 | $25.00 | 5/31/2010 1:35:39 AM |
| RMI_Babylon | $25.00 | $25.00 | 5/31/2010 11:14:30 AM |
| fairness-atmosphere | $35.00 | $35.00 | 5/30/2010 1:31:24 PM |
| sigep787 | $25.00 | $25.00 | 5/30/2010 2:36:49 PM |
| capital-kingdom | $25.00 | $25.00 | 5/31/2010 7:13:01 AM |
| jhouman | $25.00 | $25.00 | 5/31/2010 4:16:09 PM |
| NYretire | $63.05 | $63.05 | 5/31/2010 7:45:32 PM |
| buffalobills | $25.00 | $25.00 | 5/31/2010 6:59:57 PM |
| mutual-benefit | $25.00 | $25.00 | 6/1/2010 4:05:49 AM |
| houli123 | $1,000.00 | $1,000.00 | 6/1/2010 9:40:21 AM |
| principal-star | $25.00 | $25.00 | 6/1/2010 10:04:18 AM |
| money-bauble | $100.00 | $100.00 | 6/1/2010 10:30:12 AM |
| HYGCapitalPartnersLP | $65.12 | $65.12 | 5/31/2010 7:38:01 PM |
| grnii78 | $63.67 | $33.02 | 6/1/2010 10:38:56 AM |
| ColoradoBanker | $34.37 | $34.37 | 5/31/2010 8:32:48 PM |
| auction-mastery | $25.09 | $25.09 | 5/31/2010 9:08:46 PM |
| careful-compassion | $25.00 | $25.00 | 6/1/2010 10:33:19 AM |
| bold-pleasant-gold | $25.00 | $25.00 | 6/1/2010 1:16:25 PM |
| hamster | $29.85 | $29.85 | 6/1/2010 1:28:31 PM |
| PotBellyPete | $25.00 | $25.00 | 6/1/2010 12:43:15 PM |
| Free-the-usa-1776 | $31.14 | $31.14 | 6/1/2010 2:59:58 PM |
| trade-elm | $30.00 | $30.00 | 6/1/2010 3:12:43 PM |
| EretzCapital | $28.16 | $28.16 | 6/1/2010 1:49:06 PM |
| patriot384 | $120.00 | $120.00 | 6/1/2010 4:07:53 PM |
| Engineer44 | $25.00 | $25.00 | 6/1/2010 4:08:20 PM |
| bobd32 | $25.00 | $25.00 | 6/1/2010 3:57:47 PM |
| crazyinjun | $26.16 | $26.16 | 6/1/2010 12:27:08 PM |
| TenTalentSolutions | $30.00 | $30.00 | 6/1/2010 2:15:49 PM |
| 96 bids
|
Borrower Payment Dependent Notes Series
460044
This series of Notes was issued and sold upon the funding of the borrower loan #42806, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $4,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.0% |
Auction start date:
| May-25-2010 |
| |
Auction end date:
| Jun-01-2010 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $180.94 |
|
Final lender yield:
| 34.00% |
Final borrower rate/APR:
| 35.00% / 37.45% |
Final monthly payment:
| $180.94 |
| |
|
Auction yield range:
| 16.99% - 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 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 scores:
| |
First credit line:
| Jun-2001 |
Debt/Income ratio:
| 8% |
|
Basic (1-10):
| 4 |
Inquiries last 6m:
| 6 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 6
/
5 | Length of status: | 1y 10m |
|
Credit score:
| 640-659 (May-2010) |
Total credit lines:
| 19 |
Occupation: | Computer Programmer |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $17,594 | Stated income: | $100,000+ |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 93% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 18 | | | | |
|
Screen name:
| tstrimp |
Borrower's state:
| California |
Borrower's group:
| UtopiaLoans.com - Now Over $1 Million in Closed Loans!! |
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
Auto Repair Loan
My newly leased vehicle was damaged before I was able to get my insurance transfered from my previous vehicle and the damages totaled at least $3,500. The body shop said they wouldn't be able to determine the full extent of the damage until they removed the damaged panels so the total cost might be higher then the original estimate. I'm asking for $4,000 to cover to closing cost as well as any additional costs that might be discovered once repairs begin. My vehicle is fully covered now, but of course the damage has already been done.
I do not feel that my credit score accurately reflects my current financial situation. I have no had a late payment in four years, and have paid off all of my old delinquent accounts. I had college related financial problems close to six years ago, but have had my act together for some time now. My debt to income ration is low, and I make plenty of money to pay this loan off while covering all of my other financial obligations..
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's your monthly net income please, and see my page. And explain all those DQs. thank you - Tono
A:
I get paid by-weekly and the net is just over $4,200. I have had that salary for two months now and was part of a raise I received when I relocated.
I'm not sure what DQ refers to, but I assume it's delinquencies? If that's the case, the all of them are from my student loan (9 for the subsidised loan, 9 for unsubsidised) which I was unable to pay for quite some time. It eventually went to collections but I was able to pay it off completely in 2007.
(May-27-2010)
Q:
thank you for the reply, now for that other part: See my page. good luck - Tono
A:
My total monthly expenses including cc payments, mortage, rent, food, utilities etc is just under $6,000. That leaves over $2,000 / month which has been going towards moving expenses and paying extra on our credit cards.
(May-27-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| burrito6 | $25.00 | $25.00 | 5/25/2010 4:15:46 PM |
| Buffer10 | $25.00 | $25.00 | 5/25/2010 4:16:03 PM |
| SBT | $25.00 | $25.00 | 5/25/2010 4:16:06 PM |
| marketplace-buckeye | $25.00 | $25.00 | 5/25/2010 4:16:11 PM |
| skuba | $25.00 | $25.00 | 5/25/2010 4:20:03 PM |
| DcUnited | $25.00 | $25.00 | 5/25/2010 4:16:10 PM |
| tjone69 | $30.00 | $30.00 | 5/25/2010 4:24:31 PM |
| helping-out | $35.00 | $35.00 | 5/25/2010 4:24:42 PM |
| famous-bill | $50.00 | $50.00 | 5/25/2010 4:26:04 PM |
| Midwestvalues | $100.00 | $100.00 | 5/25/2010 4:26:09 PM |
| yomanie | $25.00 | $25.00 | 5/25/2010 4:24:36 PM |
| responsive-transaction8 | $25.00 | $25.00 | 5/25/2010 4:38:18 PM |
| Redmond | $25.00 | $25.00 | 5/25/2010 4:26:05 PM |
| veneziani | $25.00 | $25.00 | 5/25/2010 4:26:10 PM |
| Speculator | $100.00 | $100.00 | 5/25/2010 4:39:56 PM |
| RMB-Investments | $25.00 | $25.00 | 5/25/2010 4:15:48 PM |
| Caerus | $25.00 | $25.00 | 5/25/2010 4:15:59 PM |
| PRGuyinVA | $25.00 | $25.00 | 5/25/2010 4:16:05 PM |
| gelidfrank | $25.00 | $25.00 | 5/25/2010 4:16:08 PM |
| kindness-percolator5 | $25.00 | $25.00 | 5/25/2010 4:41:00 PM |
| phredd | $25.00 | $25.00 | 5/25/2010 4:16:13 PM |
| streak269 | $25.00 | $25.00 | 5/25/2010 8:11:35 PM |
| TribecaFunding | $25.00 | $25.00 | 5/25/2010 8:11:38 PM |
| autonomous-truth | $55.00 | $55.00 | 5/25/2010 4:26:03 PM |
| r0b3m4n | $25.00 | $25.00 | 5/26/2010 7:22:33 AM |
| JFKPilot | $25.00 | $25.00 | 5/25/2010 7:47:54 PM |
| hard-working-loot | $25.00 | $25.00 | 5/26/2010 9:17:28 AM |
| halothane_logic | $25.00 | $25.00 | 5/27/2010 4:33:20 AM |
| safe-kindness5 | $25.00 | $25.00 | 5/27/2010 9:34:00 AM |
| 108lender | $25.00 | $25.00 | 5/26/2010 7:47:36 PM |
| treasure-hunter270 | $25.00 | $25.00 | 5/27/2010 5:31:47 PM |
| ezg | $50.00 | $50.00 | 5/28/2010 12:11:47 AM |
| Casman8815 | $25.00 | $25.00 | 5/28/2010 1:21:44 PM |
| Soxxes | $25.00 | $25.00 | 5/28/2010 2:59:00 PM |
| DasMula | $25.00 | $25.00 | 5/28/2010 11:41:22 PM |
| loss-of-control | $50.00 | $50.00 | 5/29/2010 3:49:54 PM |
| loss-of-control | $50.00 | $50.00 | 5/29/2010 3:50:12 PM |
| wlm3012 | $25.00 | $25.00 | 5/30/2010 11:15:22 AM |
| Aleut | $50.00 | $50.00 | 5/29/2010 4:17:38 PM |
| systemlender | $25.00 | $25.00 | 5/30/2010 6:46:43 PM |
| zone6 | $100.00 | $22.97 | 5/30/2010 7:33:46 PM |
| reflective-rupee | $100.00 | $100.00 | 5/30/2010 7:35:38 PM |
| a-successful-credit | $50.00 | $50.00 | 5/30/2010 5:26:53 PM |
| reflective-rupee | $100.00 | $100.00 | 5/30/2010 7:36:03 PM |
| glroark | $50.00 | $50.00 | 5/31/2010 3:01:58 PM |
| vigilance-searcher | $25.00 | $25.00 | 5/31/2010 4:17:53 PM |
| zydeco337 | $25.00 | $25.00 | 6/1/2010 10:11:52 AM |
| IASKGOD | $25.00 | $25.00 | 6/1/2010 9:45:54 AM |
| exchange-cowbell5 | $25.00 | $25.00 | 6/1/2010 11:00:46 AM |
| Legally_Blonde | $27.73 | $27.73 | 6/1/2010 4:09:43 PM |
| ore-dojo | $25.00 | $25.00 | 6/1/2010 1:59:12 PM |
| MrVegas | $25.00 | $25.00 | 6/1/2010 2:21:35 PM |
| swoosh | $25.00 | $25.00 | 5/25/2010 4:16:15 PM |
| Diamond_Jim | $25.00 | $25.00 | 5/25/2010 4:16:17 PM |
| kind-efficient-credit | $25.00 | $25.00 | 5/25/2010 4:16:18 PM |
| reward-adventure | $25.00 | $25.00 | 5/25/2010 4:16:01 PM |
| inspiring-reward | $200.00 | $200.00 | 5/25/2010 4:16:23 PM |
| platinum-genetics | $50.00 | $50.00 | 5/25/2010 4:24:35 PM |
| shrewd-peace7 | $25.00 | $25.00 | 5/25/2010 4:24:33 PM |
| genuine-responsibility8 | $50.00 | $50.00 | 5/25/2010 4:26:07 PM |
| IIP77 | $25.00 | $25.00 | 5/25/2010 4:39:59 PM |
| antrux | $25.00 | $25.00 | 5/25/2010 4:46:23 PM |
| social-conductor4 | $25.00 | $25.00 | 5/25/2010 8:36:19 PM |
| basis-prodigy | $25.00 | $25.00 | 5/25/2010 8:11:53 PM |
| _wally_ | $25.00 | $25.00 | 5/25/2010 4:24:30 PM |
| beyondmanagement | $25.00 | $25.00 | 5/25/2010 4:24:37 PM |
| loan-kung-fu | $25.00 | $25.00 | 5/25/2010 11:21:30 PM |
| bassman2 | $25.00 | $25.00 | 5/25/2010 4:26:06 PM |
| AlexTrep | $25.00 | $25.00 | 5/26/2010 10:03:03 AM |
| js44043 | $25.00 | $25.00 | 5/25/2010 8:11:42 PM |
| sgf | $48.24 | $48.24 | 5/25/2010 8:11:54 PM |
| direct-yield | $25.00 | $25.00 | 5/26/2010 8:03:21 AM |
| wdfraser | $25.00 | $25.00 | 5/26/2010 2:21:21 PM |
| tjone69 | $50.00 | $50.00 | 5/27/2010 12:45:16 AM |
| nybanker85 | $25.00 | $25.00 | 5/27/2010 8:43:19 AM |
| balance-warrior | $25.00 | $25.00 | 5/27/2010 9:33:48 AM |
| A007 | $25.00 | $25.00 | 5/27/2010 6:24:42 AM |
| meteoric-trade | $25.00 | $25.00 | 5/27/2010 10:18:46 AM |
| Tono | $25.00 | $25.00 | 5/27/2010 6:36:01 PM |
| speedy-point | $50.00 | $50.00 | 5/28/2010 3:28:53 PM |
| burgeoning-silver | $25.00 | $25.00 | 5/28/2010 1:08:49 PM |
| unger | $50.00 | $50.00 | 5/28/2010 7:39:47 PM |
| loss-of-control | $50.00 | $50.00 | 5/29/2010 3:50:36 PM |
| Unitas4302 | $50.00 | $50.00 | 5/29/2010 4:00:51 PM |
| gotjack | $25.00 | $25.00 | 5/29/2010 10:21:59 AM |
| FarmersBank | $26.06 | $26.06 | 5/29/2010 5:02:03 PM |
| well-mannered-income3 | $75.00 | $75.00 | 5/31/2010 5:28:21 AM |
| Bob450 | $30.00 | $30.00 | 5/31/2010 4:10:14 PM |
| Nasdaq | $25.00 | $25.00 | 5/31/2010 10:51:17 PM |
| farchoir | $25.00 | $25.00 | 6/1/2010 12:22:16 AM |
| icanhasloanz | $50.00 | $50.00 | 5/31/2010 10:32:08 PM |
| deal-promiser | $25.00 | $25.00 | 5/31/2010 4:09:30 PM |
| eurobikermcdog | $50.00 | $50.00 | 5/31/2010 6:26:23 PM |
| icanhasloanz | $50.00 | $50.00 | 5/31/2010 10:30:50 PM |
| dynrep | $25.00 | $25.00 | 6/1/2010 8:50:09 AM |
| payout-bridge | $375.00 | $375.00 | 6/1/2010 3:55:56 PM |
| riveting-credit5 | $200.00 | $200.00 | 6/1/2010 4:09:31 PM |
| cunning-bill | $25.00 | $25.00 | 6/1/2010 12:56:31 PM |
| 98 bids
|
Borrower Payment Dependent Notes Series
460068
This series of Notes was issued and sold upon the funding of the borrower loan #42809, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $6,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 8.0% |
Auction start date:
| May-25-2010 |
| |
Auction end date:
| Jun-01-2010 |
|
|
Starting lender yield:
| 21.55% |
Starting borrower rate/APR:
| 22.55% / 24.82% |
Starting monthly payment:
| $230.85 |
|
Final lender yield:
| 21.55% |
Final borrower rate/APR:
| 22.55% / 24.82% |
Final monthly payment:
| $230.85 |
| |
|
Auction yield range:
| 7.99% - 21.55% |
Estimated loss impact:
| 8.51% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.04% | | |
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 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 scores:
| |
First credit line:
| May-1997 |
Debt/Income ratio:
| 29% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 14
/
14 | Length of status: | 2y 2m |
|
Credit score:
| 700-719 (May-2010) |
Total credit lines:
| 29 |
Occupation: | Accountant/CPA |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $15,861 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 74% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 23 | | | | |
|
Screen name:
| dna9 |
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.
Description
Just had a baby!
This listing has a higher likelihood to fund and therefore does not include a description. If you would like additional information from this borrower, please ask a question in the Q&A section below.
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:
How do you plan to use the proceeds from this loan? Please explain the past delinquencies shown on your Prosper credit profile. Thanks and best wishes. - reflective-rupee
A:
I intend to use the majority of the loan as a replacement for my wife's income over the next 3 months. I would like my wife to take an extended maternity leave before returning to work in order to avoid having to bring my baby to daycare at too young an age. As for my past delinquencies, 99%, if not all of them occurred four or more years ago, when I made a career change and went back to school to obtain my CPA. Since then, my credit history has been without issue. Thank you.
(May-25-2010)
Q:
what are your fixed income and expenses? - beakerfish
A:
My after tax monthly income is approximately $4700. My fixed monthly expenses total approximately $2150, which consists of the following:
Mortgage - $1200 (including property taxes and insurance)
Car - $250
Student Loans - $250
Credit Cards - $450
** For full disclosure: As I am requesting this loan independently of my spouse, I have not included her income, and therefore have only included half of our mortgage expense.
(May-28-2010)
Q:
Please explain the 23 delinquent accounts and the reason for the high revolving credit balance. Thank you. - clandrummer
A:
With regard to the delinquencies, 99%, if not all, occurred 4 or more years ago, when I made a career change and went back to school to earn my CPA. Since that time, my credit has been without issue. As for the high credit balance, I used my available credit to pay for my education when I went back to school, which accounts for one half to two thirds of my outstanding balance. Thank you.
(May-28-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| successful-euro | $50.00 | $50.00 | 5/25/2010 4:15:02 PM |
| riproaringrapids | $25.00 | $25.00 | 5/25/2010 4:15:30 PM |
| PRGuyinVA | $25.00 | $25.00 | 5/25/2010 4:21:19 PM |
| hrubinst | $25.00 | $25.00 | 5/25/2010 4:21:32 PM |
| dinero-speaker | $50.00 | $50.00 | 5/25/2010 4:21:42 PM |
| ddog0224 | $25.00 | $25.00 | 5/25/2010 4:22:15 PM |
| american6 | $25.00 | $25.00 | 5/25/2010 4:23:11 PM |
| interest-jedi0 | $50.00 | $50.00 | 5/25/2010 4:25:51 PM |
| finance-prescription | $25.00 | $25.00 | 5/25/2010 4:41:30 PM |
| independent-revenue4 | $25.00 | $25.00 | 5/25/2010 5:36:39 PM |
| gold-disk | $100.00 | $100.00 | 5/25/2010 6:12:44 PM |
| frogperson | $75.00 | $75.00 | 5/25/2010 4:20:23 PM |
| tnjohnso | $25.00 | $25.00 | 5/25/2010 4:20:33 PM |
| Avala | $50.00 | $50.00 | 5/25/2010 4:21:35 PM |
| enthusiastic-balance5 | $100.00 | $100.00 | 5/25/2010 4:22:08 PM |
| wayman | $25.00 | $25.00 | 5/25/2010 4:22:24 PM |
| A007 | $25.00 | $25.00 | 5/25/2010 4:23:10 PM |
| LiquidLender | $25.00 | $25.00 | 5/25/2010 9:31:16 PM |
| camaraderi-workhorse | $30.00 | $30.00 | 5/25/2010 4:24:40 PM |
| orange-preeminant-bill | $75.11 | $75.11 | 5/25/2010 11:21:42 PM |
| treasure-bliss | $25.00 | $25.00 | 5/26/2010 7:31:34 AM |
| life-is-great | $25.00 | $25.00 | 5/26/2010 7:11:21 AM |
| v-wms | $25.00 | $25.00 | 5/25/2010 6:03:03 PM |
| integrity-doctor | $35.01 | $35.01 | 5/26/2010 9:03:56 AM |
| Bailador | $25.00 | $25.00 | 5/26/2010 9:36:34 AM |
| Tapu22 | $50.00 | $50.00 | 5/25/2010 8:21:18 PM |
| responsibility-reaction | $25.00 | $25.00 | 5/26/2010 1:32:02 PM |
| supreme-bonus0 | $25.00 | $25.00 | 5/25/2010 11:21:13 PM |
| coin-investor | $25.00 | $25.00 | 5/26/2010 2:53:14 PM |
| yachey | $25.00 | $25.00 | 5/26/2010 7:56:27 AM |
| balance-voyager | $100.00 | $100.00 | 5/26/2010 8:11:14 AM |
| Northsider | $25.00 | $25.00 | 5/26/2010 3:32:17 PM |
| bchen78875 | $25.00 | $25.00 | 5/26/2010 3:42:55 PM |
| community-saver0 | $25.00 | $25.00 | 5/26/2010 10:18:14 AM |
| Aimvest | $25.00 | $25.00 | 5/26/2010 3:42:45 PM |
| loan-kung-fu | $25.00 | $25.00 | 5/26/2010 5:17:57 PM |
| Ocean713 | $50.00 | $50.00 | 5/27/2010 9:54:06 AM |
| visionary-community | $25.00 | $25.00 | 5/27/2010 1:36:49 PM |
| steady-bazaar | $25.00 | $25.00 | 5/27/2010 7:53:36 AM |
| benefit-dreams | $50.00 | $50.00 | 5/27/2010 8:28:26 AM |
| balanced-bill7 | $100.00 | $100.00 | 5/27/2010 3:36:51 PM |
| gqrob | $40.00 | $40.00 | 5/27/2010 3:49:06 PM |
| bid-czar8 | $100.00 | $100.00 | 5/27/2010 4:44:58 PM |
| Ven58 | $25.00 | $25.00 | 5/27/2010 11:53:37 PM |
| frclmym | $50.00 | $50.00 | 5/28/2010 3:43:08 PM |
| DRA-Properties | $25.00 | $25.00 | 5/28/2010 5:20:10 PM |
| E-B | $50.00 | $50.00 | 5/29/2010 3:56:56 AM |
| Unitas4302 | $50.00 | $50.00 | 5/29/2010 4:01:51 PM |
| kaiger | $25.00 | $25.00 | 5/29/2010 8:57:02 AM |
| truth-futurist | $25.00 | $25.00 | 5/29/2010 9:46:47 PM |
| wlm3012 | $25.00 | $25.00 | 5/30/2010 11:19:35 AM |
| zone6 | $100.00 | $71.28 | 5/30/2010 7:32:13 PM |
| cookielady83 | $50.00 | $50.00 | 5/30/2010 6:58:42 PM |
| trustworthy-fairness | $50.00 | $50.00 | 5/30/2010 5:59:15 AM |
| patriot384 | $120.00 | $120.00 | 6/1/2010 4:27:34 AM |
| heroic-hope5 | $25.00 | $25.00 | 5/31/2010 3:57:39 PM |
| ONECENTATATIME | $25.00 | $25.00 | 6/1/2010 6:17:46 AM |
| investment-seeker7 | $25.00 | $25.00 | 6/1/2010 7:48:29 AM |
| helynn | $25.00 | $25.00 | 6/1/2010 9:54:36 AM |
| kelador | $68.00 | $68.00 | 6/1/2010 9:52:10 AM |
| TenTalentSolutions | $30.00 | $30.00 | 6/1/2010 2:17:37 PM |
| robot777 | $40.00 | $40.00 | 5/25/2010 4:17:22 PM |
| rescue | $50.00 | $50.00 | 5/25/2010 4:15:11 PM |
| economy-producer | $25.00 | $25.00 | 5/25/2010 4:20:35 PM |
| SNH | $50.00 | $50.00 | 5/25/2010 4:20:51 PM |
| Phantom99 | $25.00 | $25.00 | 5/25/2010 4:21:49 PM |
| Pulchritudinous | $25.00 | $25.00 | 5/25/2010 4:20:52 PM |
| the-profit-oracle | $25.00 | $25.00 | 5/25/2010 4:22:05 PM |
| gracej | $25.00 | $25.00 | 5/25/2010 4:27:05 PM |
| chestnut4 | $25.00 | $25.00 | 5/25/2010 4:25:28 PM |
| first-upright-payout | $25.00 | $25.00 | 5/25/2010 4:37:10 PM |
| maschinenbau | $25.00 | $25.00 | 5/25/2010 4:38:41 PM |
| castleman | $25.00 | $25.00 | 5/25/2010 5:33:19 PM |
| e6400 | $50.00 | $50.00 | 5/25/2010 5:36:38 PM |
| Orca-man | $30.00 | $30.00 | 5/25/2010 5:21:22 PM |
| punctual-kindness3 | $25.00 | $25.00 | 5/25/2010 6:12:46 PM |
| top-historic-peso | $25.00 | $25.00 | 5/25/2010 4:20:57 PM |
| studious-bonus7 | $50.00 | $50.00 | 5/25/2010 4:21:05 PM |
| line6owner | $36.00 | $36.00 | 5/25/2010 6:16:34 PM |
| worth-arch | $25.00 | $25.00 | 5/25/2010 4:21:11 PM |
| bill-solo | $25.00 | $25.00 | 5/25/2010 7:11:25 PM |
| generous-deal6 | $25.00 | $25.00 | 5/25/2010 8:12:15 PM |
| kind-bill-supporter | $25.00 | $25.00 | 5/25/2010 9:46:14 PM |
| wise-spiritual-commitment | $50.00 | $50.00 | 5/25/2010 4:23:26 PM |
| special-truth | $25.00 | $25.00 | 5/25/2010 8:32:08 PM |
| sc5 | $25.00 | $25.00 | 5/25/2010 10:01:56 PM |
| kegs | $100.00 | $100.00 | 5/25/2010 4:23:42 PM |
| ichibon | $75.00 | $75.00 | 5/25/2010 4:25:40 PM |
| psztnrw | $37.04 | $37.04 | 5/25/2010 11:21:41 PM |
| Bank42 | $50.00 | $50.00 | 5/25/2010 5:21:15 PM |
| the-silver-blaster | $35.00 | $35.00 | 5/25/2010 5:41:15 PM |
| integrity-trumpet | $50.00 | $50.00 | 5/26/2010 9:36:55 AM |
| mpatrick | $25.00 | $25.00 | 5/26/2010 8:11:29 AM |
| money-bauble | $25.00 | $25.00 | 5/26/2010 10:33:14 AM |
| reflective-rupee | $100.00 | $100.00 | 5/25/2010 7:21:48 PM |
| understanding-fairness9 | $25.00 | $25.00 | 5/26/2010 10:56:33 AM |
| peso-mate | $25.00 | $25.00 | 5/26/2010 10:06:32 AM |
| RedRaider04 | $50.00 | $50.00 | 5/26/2010 12:29:05 PM |
| the-bid-sorcerer | $25.00 | $25.00 | 5/26/2010 10:21:29 AM |
| Panna | $25.00 | $25.00 | 5/26/2010 10:26:15 AM |
| ClearLake | $25.00 | $25.00 | 5/25/2010 9:06:22 PM |
| philosopher4 | $25.00 | $25.00 | 5/26/2010 11:04:14 AM |
| Cheburashka | $25.00 | $25.00 | 5/25/2010 10:31:23 PM |
| affluent-anteater | $50.00 | $50.00 | 5/26/2010 3:34:34 PM |
| bowdish1 | $40.31 | $40.31 | 5/26/2010 8:03:56 AM |
| PCash | $25.00 | $25.00 | 5/26/2010 2:36:17 PM |
| SolarMoonshine | $25.00 | $25.00 | 5/26/2010 5:27:42 PM |
| rockhound84 | $25.00 | $25.00 | 5/26/2010 6:52:42 PM |
| filovirus | $25.00 | $25.00 | 5/26/2010 6:10:12 PM |
| enforcer5 | $25.00 | $25.00 | 5/27/2010 10:09:47 AM |
| SongBirdProphecy | $25.00 | $25.00 | 5/27/2010 3:59:55 PM |
| Weaverville | $50.00 | $50.00 | 5/27/2010 4:45:38 PM |
| treasure-hunter270 | $25.00 | $25.00 | 5/27/2010 5:31:59 PM |
| market-pudding | $25.00 | $25.00 | 5/27/2010 7:23:09 PM |
| ethicalhumanist | $25.00 | $25.00 | 5/28/2010 10:11:48 AM |
| 4link | $50.00 | $50.00 | 5/28/2010 9:38:37 AM |
| DcUnited | $100.00 | $100.00 | 5/28/2010 3:06:55 PM |
| Viamin | $25.00 | $25.00 | 5/28/2010 11:01:51 AM |
| decisive-capital | $100.00 | $100.00 | 5/28/2010 4:36:54 PM |
| getreadyloans | $35.00 | $35.00 | 5/28/2010 10:26:16 PM |
| kmr2 | $350.00 | $350.00 | 5/29/2010 6:27:44 AM |
| asset-equilibrium0 | $25.00 | $25.00 | 5/29/2010 9:46:48 AM |
| noodles932 | $57.25 | $57.25 | 5/29/2010 10:19:38 AM |
| MrBluesummers | $50.00 | $50.00 | 5/29/2010 1:42:41 PM |
| cash-spark3 | $25.00 | $25.00 | 5/29/2010 5:59:02 PM |
| IIP77 | $25.00 | $25.00 | 5/29/2010 2:28:06 PM |
| shrewd-deal | $25.00 | $25.00 | 5/30/2010 9:04:39 AM |
| loss-of-control | $50.00 | $50.00 | 5/29/2010 3:53:27 PM |
| systemlender | $25.00 | $25.00 | 5/30/2010 6:36:53 PM |
| Bob450 | $35.00 | $35.00 | 5/31/2010 4:12:09 PM |
| 1traveler | $25.00 | $25.00 | 5/31/2010 5:42:20 PM |
| MrOglesby | $25.00 | $25.00 | 5/31/2010 6:00:43 PM |
| reflective-rupee | $25.00 | $25.00 | 5/31/2010 9:04:54 PM |
| Bob450 | $25.00 | $25.00 | 5/31/2010 10:21:14 PM |
| wwwUniversal | $25.00 | $25.00 | 6/1/2010 4:13:32 AM |
| intelligent-yield | $25.00 | $25.00 | 5/31/2010 3:57:38 PM |
| stockpiler079 | $25.00 | $25.00 | 5/31/2010 3:57:41 PM |
| satisfying-deal5 | $100.00 | $100.00 | 6/1/2010 9:38:38 AM |
| mpatrick | $50.00 | $50.00 | 6/1/2010 9:23:45 AM |
| credit-coach118 | $35.00 | $35.00 | 6/1/2010 10:29:02 AM |
| sfd | $50.00 | $50.00 | 6/1/2010 10:56:39 AM |
| jybank | $25.00 | $25.00 | 6/1/2010 2:30:37 PM |
| riveting-credit5 | $200.00 | $200.00 | 6/1/2010 4:10:02 PM |
| 143 bids
|
Borrower Payment Dependent Notes Series
460152
This series of Notes was issued and sold upon the funding of the borrower loan #42788, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 6.5% |
Auction start date:
| May-26-2010 |
| |
Auction end date:
| Jun-01-2010 |
|
|
Starting lender yield:
| 18.90% |
Starting borrower rate/APR:
| 19.90% / 23.68% |
Starting monthly payment:
| $37.11 |
|
Final lender yield:
| 18.90% |
Final borrower rate/APR:
| 19.90% / 23.68% |
Final monthly payment:
| $37.11 |
| |
|
Auction yield range:
| 7.99% - 18.90% |
Estimated loss impact:
| 6.94% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 11.96% | | |
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 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 scores:
| |
First credit line:
| Jan-1991 |
Debt/Income ratio:
| 39% |
|
Basic (1-10):
| 10 |
Inquiries last 6m:
| 0 | Employment status: | Retired |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 8
/
6 | Length of status: | 4y 2m |
|
Credit score:
| 660-679 (May-2010) |
Total credit lines:
| 19 | Stated income: | $1-$24,999 |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $7,548 | |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 67% | | |
|
Public records last 12m / 10y:
| 0/ 1 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 18 | | | | |
|
Screen name:
| asset-cello |
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
My loan for debt consolidation
This listing has a higher likelihood to fund and therefore does not include a description. If you would like additional information from this borrower, please ask a question in the Q&A section below.
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) |
|
| economy-producer | $25.00 | $25.00 | 5/26/2010 4:15:45 PM |
| top-historic-peso | $25.00 | $25.00 | 5/26/2010 4:16:05 PM |
| worth-arch | $25.00 | $25.00 | 5/26/2010 4:16:23 PM |
| dinero-speaker | $50.00 | $50.00 | 5/26/2010 4:16:54 PM |
| Avala | $50.00 | $50.00 | 5/26/2010 4:16:46 PM |
| the-profit-oracle | $25.00 | $25.00 | 5/26/2010 4:17:10 PM |
| enthusiastic-balance5 | $100.00 | $100.00 | 5/26/2010 4:17:14 PM |
| JMight | $25.00 | $25.00 | 5/26/2010 6:31:30 PM |
| wlm3012 | $25.00 | $25.00 | 5/27/2010 8:03:26 AM |
| ValleyBHC | $25.00 | $25.00 | 5/29/2010 4:00:59 AM |
| serene-capital | $25.00 | $25.00 | 6/1/2010 10:27:12 AM |
| SNH | $50.00 | $50.00 | 5/26/2010 4:15:58 PM |
| PRGuyinVA | $25.00 | $25.00 | 5/26/2010 4:16:32 PM |
| studious-bonus7 | $50.00 | $50.00 | 5/26/2010 4:16:13 PM |
| ddog0224 | $25.00 | $25.00 | 5/26/2010 4:17:23 PM |
| kegs | $100.00 | $92.06 | 5/26/2010 4:18:54 PM |
| american6 | $25.00 | $25.00 | 5/26/2010 4:18:35 PM |
| hrubinst | $25.00 | $25.00 | 5/26/2010 4:16:41 PM |
| Phantom99 | $25.00 | $25.00 | 5/26/2010 4:16:59 PM |
| wayman | $25.00 | $25.00 | 5/26/2010 4:17:33 PM |
| golden-wealth2 | $50.00 | $50.00 | 5/26/2010 4:20:00 PM |
| market-pudding | $25.00 | $25.00 | 5/27/2010 7:22:57 PM |
| capital-kingdom | $25.00 | $25.00 | 5/28/2010 3:36:16 PM |
| interstellar | $32.94 | $32.94 | 5/28/2010 1:27:45 PM |
| kazanov | $50.00 | $50.00 | 5/29/2010 11:35:50 AM |
| PayingItForwardPlease | $25.00 | $25.00 | 5/30/2010 4:53:30 PM |
| craig1050 | $50.00 | $50.00 | 5/31/2010 8:18:44 PM |
| 27 bids
|
Borrower Payment Dependent Notes Series
460192
This series of Notes was issued and sold upon the funding of the borrower loan #42797, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $7,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 34.5% |
Auction start date:
| May-27-2010 |
| |
Auction end date:
| Jun-01-2010 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 37.45% |
Starting monthly payment:
| $339.27 |
|
Final lender yield:
| 34.00% |
Final borrower rate/APR:
| 35.00% / 37.45% |
Final monthly payment:
| $339.27 |
| |
|
Auction yield range:
| 16.99% - 34.00% |
Estimated loss impact:
| 36.51% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -2.51% | | |
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 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 scores:
| |
First credit line:
| Dec-1994 |
Debt/Income ratio:
| Self-employed (DTI Not Calculated) |
|
Basic (1-10):
| 1 |
Inquiries last 6m:
| 0 | Employment status: | Self-employed |
| Enhanced (1-5): | 5 |
Current / open credit lines:
| 3
/
2 | Length of status: | 4y 0m |
|
Credit score:
| 700-719 (Apr-2010) |
Total credit lines:
| 11 |
Occupation: | Professional |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $111 | Stated income: | $100,000+ |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 37% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| No | | |
|
Delinquencies in last 7y:
| 0 | | | | |
|
Screen name:
| marek |
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 / 1 |
On-time:
| 29 ( 100% )
| 700-719 (Latest)
|
|
Principal borrowed:
| $6,000.00 | < 31 days late:
| 0
( 0% )
| 620-639
(Nov-2007)
|
|
Principal balance:
| $1,556.02 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 29 | | |
Description
For Improving my Credit Score
Purpose of loan:
This loan will be used for credit improvement by re-financing debt owed to me. (This request was fully funded, but during Prosper's final review process they discovered a correction for my account that cancels the prior listing. The correction has been made and this listing will pass Prosper's detailed review).
My financial situation:
Currently, we are in the process of buying a nice 2 acre property, my credit score was a few points below the threshold, but thanks to the bank we were able to successfully finance the first part through my wife?s excellent credit. That solved the short term problem, the next problem is the construction loan.
My high revolving credit is un-reimburse business expenses. Currently, my company owes me around $27k in travel expenses, of which $18k is on a credit card which impacts my credit score by pushing it over 50% utilization (for some reason it doesn't show up in Prosper credit check, but it does on the bank's). Business has turned around and they are on track to slowly payoff this debt owed, but it doesn?t help my Fico score in the short run.
The use of these funds:
Reduce revolving credit utilization. I have a $24,950 limit (11.240% interest) in which I am utilizing $18,314 Consolidate an existing Prosper loan $1,556.02 left on a 3 year loan (not sure what two personal loans will do to the credit score).
We have enough money in the bank to do this ourselves without Prosper member?s help, we would like to keep as much of our cash as possible. With 30% down for land/construction loans, every penny counts.
Essentially, I am moving a small portion of the company?s debt to me, to Prosper members. The company has agreed to service the debt, so it reduces your risk and mine. But I will make sure it gets paid on time, because it is my credit record.
Income Profile:
2008 Income $245k gross2009 Income $198k gross
Monthly net income: $8200
Monthly expenses:
??Housing: $2400 (mortgage, HOA, taxes, insurance, etc) we are above water on the mortgage by 25%
??Insurance: $312
??Car expenses: $180 (for gas and maintenance, we own 3 newer cars outright)
??Utilities: HOA covers
??Phone, cable, internet: Company pays
??Food, entertainment: $800
??Clothing, household expenses $200
??Credit cards and other loans: $365.50 to Credit Card, $241.74 to Prosper (to be partially consolidated by this loan)
??Other expenses: $2100 for new mortgage for the land ($150k down on a 3 year ballon at 5.25%)
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:
Hello Marek, why was your last funded loan cancelled? And see my page. thank you - Tono
A:
On my original profile and loan, I was W-2. My employer since switched us to 1099. When creating the listing, the process asked if I was with the same employer. Which I was, but it never asked me about the status. And honestly, I didn't think about it because it happened a while ago. Prosper, when reviewing all the required documents discovered the change. While not an issue, for legal compliance reasons, the listing has to be restarted with the new status. And thank you for the advice!
(May-31-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| reflective-rupee | $750.00 | $750.00 | 5/27/2010 4:36:15 PM |
| JustMee | $25.00 | $25.00 | 5/27/2010 5:10:33 PM |
| aztocas | $50.00 | $50.00 | 5/27/2010 8:29:22 PM |
| return-grizzly | $100.00 | $100.00 | 5/28/2010 5:58:04 AM |
| chameleon125 | $50.00 | $50.00 | 5/27/2010 9:42:24 PM |
| Skeptical-one | $25.00 | $25.00 | 5/28/2010 12:14:18 PM |
| SolarMoonshine | $500.00 | $500.00 | 5/28/2010 1:38:22 PM |
| red-favorable-basis | $25.00 | $25.00 | 5/28/2010 3:29:53 PM |
| periko | $25.00 | $25.00 | 5/28/2010 5:13:13 PM |
| Rip128 | $200.00 | $200.00 | 5/28/2010 8:38:36 PM |
| gbruenin | $25.00 | $25.00 | 5/30/2010 6:17:07 AM |
| order-bee1 | $175.00 | $175.00 | 5/31/2010 3:17:06 AM |
| visionary-deal3 | $100.00 | $100.00 | 5/31/2010 11:01:59 AM |
| a-successful-credit | $50.00 | $50.00 | 5/30/2010 5:31:34 PM |
| LifeRing | $50.00 | $50.00 | 5/30/2010 10:47:19 PM |
| best-generosity-financier | $25.00 | $25.00 | 5/31/2010 11:05:36 AM |
| adaptable-capital | $156.66 | $156.66 | 5/31/2010 6:38:18 PM |
| well-mannered-income3 | $100.00 | $100.00 | 5/31/2010 8:05:50 PM |
| RecoveryLender | $25.00 | $25.00 | 5/31/2010 5:45:06 PM |
| eod_man | $100.00 | $100.00 | 5/31/2010 7:40:48 PM |
| CPADawg | $200.00 | $200.00 | 6/1/2010 6:13:37 AM |
| rockhound84 | $25.00 | $25.00 | 6/1/2010 10:00:43 AM |
| five-star-note | $67.86 | $67.86 | 6/1/2010 10:15:14 AM |
| Tono | $30.00 | $30.00 | 5/31/2010 5:29:30 PM |
| PCity-LOA15 | $40.00 | $40.00 | 6/1/2010 6:50:32 AM |
| shrewd-income | $100.00 | $100.00 | 6/1/2010 6:44:50 PM |
| Kash2010lu | $75.00 | $75.00 | 5/27/2010 6:54:07 PM |
| Legally_Blonde | $370.50 | $370.50 | 5/28/2010 5:21:11 AM |
| Legally_Blonde | $1,000.00 | $1,000.00 | 5/28/2010 5:26:18 AM |
| Kash2010lu | $25.00 | $25.00 | 5/28/2010 6:29:45 PM |
| victor111 | $50.00 | $50.00 | 5/28/2010 9:23:50 PM |
| p2ploan-sensation211 | $25.00 | $25.00 | 5/29/2010 4:44:45 AM |
| golffish2 | $200.00 | $200.00 | 5/29/2010 8:38:58 AM |
| red-favorable-basis | $25.00 | $25.00 | 5/29/2010 1:57:41 AM |
| blitzen40 | $25.00 | $25.00 | 5/30/2010 9:45:59 AM |
| shawnw2 | $286.00 | $286.00 | 5/31/2010 3:11:16 AM |
| CashFlow13 | $100.00 | $100.00 | 5/31/2010 6:15:58 AM |
| SeeksValue | $50.00 | $50.00 | 5/31/2010 7:31:13 AM |
| innovator2 | $81.23 | $81.23 | 5/30/2010 5:10:17 AM |
| Aberdeen | $400.00 | $400.00 | 5/30/2010 10:48:42 PM |
| RecoveryLender | $25.00 | $25.00 | 5/31/2010 8:41:38 AM |
| wlm3012 | $25.00 | $25.00 | 5/30/2010 11:33:27 AM |
| SeeksValue | $25.00 | $25.00 | 5/31/2010 7:32:23 AM |
| zone6 | $200.00 | $200.00 | 5/31/2010 9:33:28 PM |
| AdamsWay | $25.00 | $25.00 | 6/1/2010 6:56:51 AM |
| victor111 | $50.00 | $50.00 | 6/1/2010 3:37:27 AM |
| eagle1271 | $35.00 | $35.00 | 6/1/2010 7:08:45 AM |
| innovator2 | $25.00 | $25.00 | 6/1/2010 6:06:48 AM |
| gold-cluster | $100.00 | $100.00 | 6/1/2010 10:28:38 AM |
| wealth-pipeline | $25.00 | $25.00 | 6/1/2010 8:33:25 AM |
| Rip128 | $40.00 | $40.00 | 6/1/2010 3:02:39 PM |
| CashFlow13 | $1,000.00 | $1,000.00 | 6/1/2010 6:47:13 PM |
| CashFlow13 | $250.00 | $192.75 | 6/1/2010 6:47:28 PM |
| 53 bids
|
Borrower Payment Dependent Notes Series
460386
This series of Notes was issued and sold upon the funding of the borrower loan #42820, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $5,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.0% |
Auction start date:
| May-27-2010 |
| |
Auction end date:
| May-28-2010 |
|
|
Starting lender yield:
| 26.25% |
Starting borrower rate/APR:
| 27.25% / 29.59% |
Starting monthly payment:
| $204.80 |
|
Final lender yield:
| 26.25% |
Final borrower rate/APR:
| 27.25% / 29.59% |
Final monthly payment:
| $204.80 |
| |
|
Auction yield range:
| 10.99% - 26.25% |
Estimated loss impact:
| 10.65% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.60% | | |
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 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 scores:
| |
First credit line:
| Mar-1992 |
Debt/Income ratio:
| 24% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 11
/
9 | Length of status: | 21y 7m |
|
Credit score:
| 660-679 (May-2010) |
Total credit lines:
| 37 |
Occupation: | Professional |
|
Now delinquent:
| 0 |
Revolving credit balance:
| $12,368 | Stated income: | $25,000-$49,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 72% | | |
|
Public records last 12m / 10y:
| 0/ 0 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 7 | | | | |
|
Screen name:
| satisfying-marketplace2 |
Borrower's state:
| NorthCarolina |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Roofing and siding replacement
Purpose of loan:
This loan will be used to? replace masonite siding, roofing and deteriorating masonry on our primary home structure. Recent water damage from a plumbing break has caused an insurance claim that will cost us $2500 out of pocket for the deductible and uncovered plumbing repairs.
My financial situation:
I am a good candidate for this loan because?I have a dependable income source?from?20+ years of employment with solid industry-leading distribution company. Wife has full-time income from Food Lion grocery chain. Although credit score is lower than I would like, we do pay our bills, albeit late at times. I have never defaulted on a loan of any kind. I have a beautiful wife and 3 awesome daughters who deserve a sturdy, and safe, living environment. I feel comfortable making a $150-200 monthly payment and plan to obtain an equity line of credit in the next 3 months to pay off this loan.?This will not be feasible?until these renovations are complete as the appraised value would not qualify us for the credit line.
Monthly net income: $ 2800
Monthly expenses: $
??Housing: $ 835
??Insurance: $ 65
??Car expenses: $0
??Utilities: $140?
??Phone, cable, internet: $100?
??Food, entertainment: $500
??Clothing, household expenses $200
??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) |
|
| shrewd-peace7 | $35.00 | $35.00 | 5/27/2010 4:21:14 PM |
| successful-euro | $40.00 | $40.00 | 5/27/2010 4:23:39 PM |
| finance-prescription | $50.00 | $50.00 | 5/27/2010 4:24:23 PM |
| riproaringrapids | $25.00 | $25.00 | 5/27/2010 4:27:59 PM |
| brother_tam | $50.00 | $50.00 | 5/27/2010 4:29:32 PM |
| supreme-bonus0 | $25.00 | $25.00 | 5/27/2010 4:29:43 PM |
| desertoasis | $25.00 | $25.00 | 5/27/2010 4:29:22 PM |
| coachmike15 | $25.00 | $25.00 | 5/27/2010 4:31:55 PM |
| SNH | $50.00 | $50.00 | 5/27/2010 4:31:41 PM |
| orderly-leverage | $30.00 | $30.00 | 5/27/2010 4:32:07 PM |
| JGB | $100.00 | $100.00 | 5/27/2010 4:32:15 PM |
| personal-lender | $25.00 | $25.00 | 5/27/2010 4:32:23 PM |
| Rattlehead | $25.00 | $25.00 | 5/27/2010 4:32:26 PM |
| autonomous-truth | $25.00 | $25.00 | 5/27/2010 4:32:52 PM |
| money-bauble | $75.00 | $75.00 | 5/27/2010 4:33:20 PM |
| life-is-great | $25.00 | $25.00 | 5/27/2010 4:33:07 PM |
| unforgettable-fund2 | $25.00 | $25.00 | 5/27/2010 4:33:28 PM |
| deal-hickory5 | $50.00 | $50.00 | 5/27/2010 4:35:40 PM |
| HomeTownRentalProperties | $50.00 | $50.00 | 5/27/2010 4:36:06 PM |
| famous-hope | $25.00 | $25.00 | 5/27/2010 5:07:26 PM |
| dollar-birdie | $25.00 | $25.00 | 5/27/2010 4:28:40 PM |
| Elbanko | $25.00 | $25.00 | 5/27/2010 4:29:16 PM |
| peace-missile | $25.00 | $25.00 | 5/27/2010 4:29:58 PM |
| Sam65 | $25.00 | $25.00 | 5/27/2010 4:30:08 PM |
| caNative | $25.00 | $25.00 | 5/27/2010 7:22:44 PM |
| worth-arch | $25.00 | $25.00 | 5/27/2010 4:32:01 PM |
| blivet1970 | $25.00 | $25.00 | 5/27/2010 8:52:19 PM |
| Eric15378 | $50.00 | $50.00 | 5/27/2010 4:43:02 PM |
| lendme2 | $25.00 | $25.00 | 5/27/2010 10:40:59 PM |
| lloyd_s | $25.00 | $25.00 | 5/27/2010 11:19:06 PM |
| greenwell | $25.00 | $25.00 | 5/27/2010 11:21:30 PM |
| dime-producer | $25.00 | $25.00 | 5/28/2010 12:21:50 AM |
| yeti888 | $25.00 | $25.00 | 5/28/2010 2:12:27 AM |
| Shepherd7 | $30.00 | $30.00 | 5/28/2010 4:21:49 AM |
| a-special-power | $25.00 | $25.00 | 5/28/2010 7:26:57 AM |
| piter-to-la-investment | $25.00 | $25.00 | 5/28/2010 9:06:54 AM |
| trustu | $25.00 | $25.00 | 5/28/2010 9:08:38 AM |
| jonn834 | $25.00 | $25.00 | 5/28/2010 9:07:37 AM |
| ezg | $25.00 | $25.00 | 5/28/2010 12:18:10 AM |
| simpy | $25.00 | $25.00 | 5/28/2010 10:08:35 AM |
| glimmering-point | $25.00 | $25.00 | 5/28/2010 10:07:58 AM |
| HHP | $25.00 | $25.00 | 5/28/2010 10:09:40 AM |
| platinum-genetics | $39.45 | $39.45 | 5/28/2010 10:10:19 AM |
| treasure-bliss | $100.00 | $100.00 | 5/28/2010 10:10:47 AM |
| upright-asset2 | $25.00 | $25.00 | 5/28/2010 8:37:18 AM |
| cablenews | $25.00 | $25.00 | 5/28/2010 8:46:56 AM |
| kindness-percolator5 | $25.00 | $25.00 | 5/28/2010 8:53:13 AM |
| bowdish1 | $50.00 | $50.00 | 5/28/2010 10:13:36 AM |
| camaraderi-workhorse | $25.00 | $25.00 | 5/28/2010 10:41:51 AM |
| social-conductor4 | $25.00 | $25.00 | 5/28/2010 9:31:44 AM |
| basis-prodigy | $25.00 | $25.00 | 5/28/2010 11:52:56 AM |
| Artist_Blue | $25.00 | $25.00 | 5/28/2010 11:21:49 AM |
| cash-merry-maker | $25.00 | $25.00 | 5/28/2010 12:04:48 PM |
| KramericaIndustries | $25.00 | $25.00 | 5/28/2010 12:05:02 PM |
| soulwork | $25.00 | $25.00 | 5/28/2010 12:05:29 PM |
| 626457 | $25.00 | $25.00 | 5/28/2010 12:05:46 PM |
| virtuous-platinum2 | $50.00 | $50.00 | 5/28/2010 9:39:16 AM |
| dschaaf | $25.00 | $25.00 | 5/28/2010 12:07:06 PM |
| transaction-aggregator7 | $25.00 | $25.00 | 5/28/2010 12:04:50 PM |
| Interloper | $25.00 | $25.00 | 5/28/2010 12:04:56 PM |
| Sixmil | $25.00 | $25.00 | 5/28/2010 12:05:54 PM |
| kmr2 | $25.00 | $25.00 | 5/28/2010 12:07:36 PM |
| schpere | $25.00 | $25.00 | 5/28/2010 10:08:37 AM |
| commitment-farm | $25.00 | $25.00 | 5/28/2010 10:09:36 AM |
| listing-trapper3 | $50.00 | $50.00 | 5/28/2010 10:10:01 AM |
| time4aloan | $30.00 | $30.00 | 5/28/2010 10:12:19 AM |
| DasMula | $25.00 | $25.00 | 5/28/2010 3:14:58 PM |
| smart-gain | $25.00 | $25.00 | 5/28/2010 11:42:23 AM |
| GIGO | $45.04 | $45.04 | 5/28/2010 12:04:51 PM |
| contract-eagle | $25.00 | $25.00 | 5/28/2010 12:04:59 PM |
| Northsider | $25.00 | $25.00 | 5/28/2010 12:06:00 PM |
| MTlender | $25.00 | $25.00 | 5/28/2010 12:06:42 PM |
| castleman | $25.00 | $25.00 | 5/28/2010 12:06:57 PM |
| intelligent-yield | $25.00 | $25.00 | 5/28/2010 12:07:11 PM |
| parsec9 | $25.00 | $25.00 | 5/28/2010 12:07:16 PM |
| dime-reaction | $25.00 | $25.00 | 5/28/2010 12:07:44 PM |
| S-Master | $25.00 | $25.00 | 5/27/2010 4:23:42 PM |
| Ocean713 | $50.00 | $50.00 | 5/27/2010 4:27:48 PM |
| qwsd12 | $40.00 | $40.00 | 5/27/2010 4:31:23 PM |
| actvtrdr | $35.00 | $35.00 | 5/27/2010 4:32:11 PM |
| market-walnut5 | $50.00 | $50.00 | 5/27/2010 4:32:33 PM |
| Zolton | $200.00 | $200.00 | 5/27/2010 4:33:12 PM |
| DadWarbucks | $25.00 | $25.00 | 5/27/2010 4:23:15 PM |
| cash-spark3 | $25.00 | $25.00 | 5/27/2010 4:27:55 PM |
| orange-preeminant-bill | $62.02 | $62.02 | 5/27/2010 7:07:37 PM |
| reward-adventure | $30.00 | $30.00 | 5/27/2010 7:08:16 PM |
| Phantom99 | $25.00 | $25.00 | 5/27/2010 4:31:34 PM |
| top-historic-peso | $26.00 | $26.00 | 5/27/2010 4:31:57 PM |
| honorable-yield | $35.00 | $35.00 | 5/27/2010 4:32:49 PM |
| Kaj | $25.00 | $25.00 | 5/27/2010 11:02:43 PM |
| supreme-hope | $25.00 | $25.00 | 5/27/2010 11:32:09 PM |
| drg6289 | $25.00 | $25.00 | 5/28/2010 2:12:52 AM |
| balanced-bill7 | $25.00 | $25.00 | 5/28/2010 6:16:52 AM |
| radforj22 | $25.00 | $25.00 | 5/28/2010 7:26:57 AM |
| gelidfrank | $25.00 | $25.00 | 5/28/2010 7:33:03 AM |
| generous-deal6 | $25.00 | $25.00 | 5/27/2010 9:50:47 PM |
| IIP77 | $25.00 | $25.00 | 5/27/2010 10:06:45 PM |
| special-truth | $47.94 | $47.94 | 5/28/2010 7:33:07 AM |
| Veshay | $28.70 | $28.70 | 5/28/2010 9:03:22 AM |
| Dreams4Cash | $25.00 | $25.00 | 5/28/2010 9:07:10 AM |
| elegant-bonus | $25.00 | $25.00 | 5/28/2010 9:07:11 AM |
| UT-Longhorn | $25.00 | $25.00 | 5/28/2010 9:22:42 AM |
| SDNLR | $25.00 | $25.00 | 5/28/2010 9:11:23 AM |
| asiaratt | $79.45 | $79.45 | 5/28/2010 9:23:39 AM |
| papaloha | $47.53 | $47.53 | 5/28/2010 2:12:53 AM |
| 87Marc | $25.00 | $25.00 | 5/28/2010 9:38:18 AM |
| jonbozeman | $25.00 | $25.00 | 5/28/2010 9:41:04 AM |
| natural-greenback6 | $25.00 | $25.00 | 5/28/2010 9:54:04 AM |
| payment-gusto | $25.00 | $25.00 | 5/28/2010 6:13:14 AM |
| treasure-generator | $25.00 | $25.00 | 5/28/2010 10:08:09 AM |
| flexiboy35 | $25.00 | $25.00 | 5/28/2010 10:08:39 AM |
| oceanwind1950 | $25.00 | $25.00 | 5/28/2010 10:08:50 AM |
| suomynona | $25.00 | $25.00 | 5/28/2010 10:09:23 AM |
| rock-turner | $25.00 | $25.00 | 5/28/2010 10:09:47 AM |
| ingenious-deal6 | $25.00 | $25.00 | 5/28/2010 10:07:59 AM |
| upright-revenue7 | $33.19 | $33.19 | 5/28/2010 10:10:03 AM |
| sentimental-peace8 | $25.00 | $25.00 | 5/28/2010 10:10:17 AM |
| Streetfighter | $50.00 | $50.00 | 5/28/2010 7:33:02 AM |
| macgeek | $25.00 | $25.00 | 5/28/2010 10:10:27 AM |
| Speculator | $88.17 | $88.17 | 5/28/2010 10:11:22 AM |
| responsive-rate884 | $25.00 | $25.00 | 5/28/2010 10:09:34 AM |
| godzig | $25.00 | $25.00 | 5/28/2010 10:10:20 AM |
| sgf | $50.00 | $50.00 | 5/28/2010 10:10:46 AM |
| good2b | $33.45 | $33.45 | 5/28/2010 8:31:44 AM |
| hizzy | $25.00 | $25.00 | 5/28/2010 9:04:17 AM |
| tallmon | $25.00 | $25.00 | 5/28/2010 9:07:41 AM |
| mtandb | $25.00 | $25.00 | 5/28/2010 10:57:36 AM |
| silver-trajectory6 | $25.00 | $25.00 | 5/28/2010 9:31:53 AM |
| love-interest | $25.00 | $25.00 | 5/28/2010 11:52:48 AM |
| benefit-squirrel | $25.00 | $25.00 | 5/28/2010 11:53:29 AM |
| GellMaster | $25.00 | $25.00 | 5/28/2010 12:04:49 PM |
| oneforthemoney | $25.00 | $25.00 | 5/28/2010 12:05:07 PM |
| bigphish | $25.00 | $25.00 | 5/28/2010 12:05:31 PM |
| magnolia161 | $25.00 | $25.00 | 5/28/2010 12:06:58 PM |
| kind-responsibility-balancer | $50.00 | $50.00 | 5/28/2010 9:39:38 AM |
| asset-professor | $35.00 | $35.00 | 5/28/2010 12:07:14 PM |
| DcUnited | $25.00 | $5.53 | 5/28/2010 12:09:11 PM |
| MrGhost | $25.00 | $25.00 | 5/28/2010 12:04:46 PM |
| InvestorPartners | $25.00 | $25.00 | 5/28/2010 12:04:51 PM |
| Mailman2004 | $50.00 | $50.00 | 5/28/2010 12:04:58 PM |
| lucrative-dollar | $25.00 | $25.00 | 5/28/2010 12:06:56 PM |
| Wachocia | $25.00 | $25.00 | 5/28/2010 12:09:42 PM |
| wwwUniversal | $25.00 | $25.00 | 5/28/2010 12:10:01 PM |
| enriching-fund4 | $25.00 | $25.00 | 5/28/2010 10:08:34 AM |
| Comoparklender | $25.00 | $25.00 | 5/28/2010 10:10:06 AM |
| orange-courageous-dedication | $30.00 | $30.00 | 5/28/2010 10:10:21 AM |
| czar3 | $31.47 | $31.47 | 5/28/2010 1:39:40 PM |
| eronyc | $25.00 | $25.00 | 5/28/2010 10:37:36 AM |
| touringsedan | $28.94 | $28.94 | 5/28/2010 12:05:35 PM |
| famous-bill | $50.00 | $50.00 | 5/28/2010 12:06:17 PM |
| turbolozano | $25.00 | $25.00 | 5/28/2010 12:06:43 PM |
| 1phantom | $25.00 | $25.00 | 5/28/2010 12:06:48 PM |
| ommcd | $25.00 | $25.00 | 5/28/2010 12:07:00 PM |
| ukstevenhawaii | $30.12 | $30.12 | 5/28/2010 12:07:13 PM |
| AF-Chief | $28.00 | $28.00 | 5/28/2010 12:07:31 PM |
| 155 bids
|
Borrower Payment Dependent Notes Series
460760
This series of Notes was issued and sold upon the funding of the borrower loan #42800, 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:
| Jun-01-2010 |
| |
Auction end date:
| Jun-02-2010 |
|
|
Starting lender yield:
| 25.25% |
Starting borrower rate/APR:
| 26.25% / 28.57% |
Starting monthly payment:
| $80.85 |
|
Final lender yield:
| 25.25% |
Final borrower rate/APR:
| 26.25% / 28.57% |
Final monthly payment:
| $80.85 |
| |
|
Auction yield range:
| 10.99% - 25.25% |
Estimated loss impact:
| 10.62% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.63% | | |
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 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 scores:
| |
First credit line:
| Oct-1995 |
Debt/Income ratio:
| 18% |
|
Basic (1-10):
| 8 |
Inquiries last 6m:
| 1 | Employment status: | Full-time employee |
| Enhanced (1-5): | 4 |
Current / open credit lines:
| 14
/
13 | Length of status: | 5y 3m |
|
Credit score:
| 680-699 (May-2010) |
Total credit lines:
| 41 |
Occupation: | Administrative Assi... |
|
Now delinquent:
| 1 |
Revolving credit balance:
| $9,094 | Stated income: | $50,000-$74,999 |
|
Amount delinquent:
| $0 |
Bankcard utilization:
| 72% | | |
|
Public records last 12m / 10y:
| 0/ 3 |
Homeownership:
| Yes | | |
|
Delinquencies in last 7y:
| 37 | | | | |
|
Screen name:
| astute-worth0 |
Borrower's state:
| NewYork |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
funeral expenses for mother
My mother unexpectadly passed away 5/30
she didnt have life insurance and we are trying to cover funeral expesnse.
my wife makes $63,000 a year and I make about $70,000
we both have worked for Sprint for 5 years and we are perfect canidate for this loan because we are reliable and have been with our employer for a long time.
Please, we need help to bury my mother.
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's the deal with the 37 deliquencies? How can you assure us it will be different this time? - impressive-openness7
A:
Hello. Fair question. The last deliquency was in 2006. All my delinquencies took place when I was younger and didnt know/care about my credit. Since i met my wife in 2006 we have not been late with a payment. All I can tell you now, is that we do our bills together, make payments on time and have not been late once with any bill we have in 4-5 years. Holding down the same job for 5 years each should hold some water to this as well. My credit score used to be in the low to mid 500's. now 650
(Jun-02-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| shrewd-peace7 | $50.00 | $50.00 | 6/1/2010 11:54:23 AM |
| cash-spark3 | $25.00 | $25.00 | 6/1/2010 12:05:25 PM |
| top-historic-peso | $26.00 | $26.00 | 6/1/2010 12:08:21 PM |
| supreme-bonus0 | $25.00 | $25.00 | 6/1/2010 12:06:24 PM |
| orderly-leverage | $30.00 | $30.00 | 6/1/2010 12:08:37 PM |
| money-bauble | $75.00 | $75.00 | 6/1/2010 12:09:29 PM |
| desertoasis | $25.00 | $25.00 | 6/1/2010 12:13:35 PM |
| successful-euro | $40.00 | $40.00 | 6/1/2010 11:56:36 AM |
| S-Master | $25.00 | $25.00 | 6/1/2010 11:56:40 AM |
| AlexTrep | $25.00 | $25.00 | 6/1/2010 12:16:45 PM |
| Shepherd7 | $30.00 | $30.00 | 6/1/2010 12:13:26 PM |
| lostviajero | $25.00 | $25.00 | 6/1/2010 12:13:32 PM |
| StrategicFinancier21 | $25.00 | $25.00 | 6/1/2010 12:16:13 PM |
| life-is-great | $25.00 | $25.00 | 6/1/2010 12:16:49 PM |
| svandgts | $50.00 | $50.00 | 6/1/2010 12:19:20 PM |
| Interstate_Rate | $250.00 | $250.00 | 6/1/2010 1:26:46 PM |
| Rattlehead | $25.00 | $25.00 | 6/1/2010 12:09:06 PM |
| market-walnut5 | $47.42 | $47.42 | 6/1/2010 12:09:14 PM |
| Bank42 | $50.00 | $50.00 | 6/1/2010 12:16:04 PM |
| psa1995 | $25.00 | $25.00 | 6/1/2010 12:18:20 PM |
| systemlender | $25.00 | $25.00 | 6/1/2010 4:37:07 PM |
| asiaratt | $25.00 | $25.00 | 6/1/2010 7:26:42 PM |
| shrewd-deal | $25.00 | $25.00 | 6/1/2010 8:21:52 PM |
| treasure-bliss | $100.00 | $0.58 | 6/2/2010 5:21:52 AM |
| IIP77 | $25.00 | $25.00 | 6/1/2010 11:58:25 AM |
| coachmike15 | $25.00 | $25.00 | 6/1/2010 12:08:13 PM |
| worth-arch | $25.00 | $25.00 | 6/1/2010 12:08:29 PM |
| qwsd12 | $40.00 | $40.00 | 6/1/2010 12:07:31 PM |
| Phantom99 | $25.00 | $25.00 | 6/1/2010 12:07:47 PM |
| personal-lender | $25.00 | $25.00 | 6/1/2010 12:09:01 PM |
| PRGuyinVA | $25.00 | $25.00 | 6/1/2010 12:13:46 PM |
| simplelender80 | $50.00 | $50.00 | 6/1/2010 12:17:00 PM |
| SNH | $50.00 | $50.00 | 6/1/2010 12:07:58 PM |
| actvtrdr | $35.00 | $35.00 | 6/1/2010 12:08:43 PM |
| JGB | $100.00 | $100.00 | 6/1/2010 12:08:47 PM |
| impressive-openness7 | $50.00 | $50.00 | 6/1/2010 1:53:56 PM |
| supreme-hope | $25.00 | $25.00 | 6/1/2010 12:12:46 PM |
| Engineer44 | $26.00 | $26.00 | 6/1/2010 3:55:37 PM |
| asset-equilibrium0 | $50.00 | $50.00 | 6/1/2010 12:14:17 PM |
| Kaj | $25.00 | $25.00 | 6/1/2010 12:14:58 PM |
| power-pagoda | $25.00 | $25.00 | 6/1/2010 12:19:04 PM |
| zorg77 | $25.00 | $25.00 | 6/1/2010 12:19:29 PM |
| loyalist1 | $100.00 | $100.00 | 6/1/2010 12:19:38 PM |
| aztocas | $50.00 | $50.00 | 6/1/2010 1:11:03 PM |
| zone6 | $100.00 | $100.00 | 6/1/2010 4:23:15 PM |
| healingangel22 | $25.00 | $25.00 | 6/1/2010 9:31:06 PM |
| wwwUniversal | $25.00 | $25.00 | 6/1/2010 11:41:47 PM |
| DadWarbucks | $25.00 | $25.00 | 6/1/2010 4:36:05 PM |
| Wachocia | $25.00 | $25.00 | 6/1/2010 4:50:20 PM |
| 1traveler | $25.00 | $25.00 | 6/1/2010 5:49:48 PM |
| 50 bids
|