Sales Report:Supplement No. 35 dated Sep 16, 2010 to Prospectus dated Jul 26, 2010File 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 26, 2010 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 26, 2010 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
470447
This series of Notes was issued and sold upon the funding of the borrower loan #44390, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $4,800.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 3.2% |
Auction start date:
| Sep-07-2010 |
| |
Auction end date:
| Sep-14-2010 |
|
|
Starting lender yield:
| 9.80% |
Starting borrower rate/APR:
| 10.80% / 12.92% |
Starting monthly payment:
| $156.69 |
|
Final lender yield:
| 8.97% |
Final borrower rate/APR:
| 9.97% / 12.08% |
Final monthly payment:
| $154.81 |
| |
|
Auction yield range:
| 3.79% - 9.80% |
Estimated loss impact:
| 3.27% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.70% | | |
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 score (1-10):
| 9 |
First credit line:
| Feb-1998 |
Debt/Income ratio:
| 8% |
|
Credit score:
| 740-759 (Sep-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
7 | Length of status: | 0y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 21 |
Occupation: | Computer Programmer |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $6,155 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 25% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| silver-breeze3 |
Borrower's state:
| Georgia |
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:
| 11 ( 100% )
| 740-759 (Latest)
|
|
Principal borrowed:
| $4,200.00 | < 31 days late:
| 0
( 0% )
| 700-719
(Aug-2009)
|
|
Principal balance:
| $1,745.75 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 11 | | |
Description
Pay off last high rate credit card
Purpose of loan:
This loan will be used to?
Pay off my last high interest credit card.? I would like to reduce the interest to speed up payoff.
My financial situation:
I am a good candidate for this loan because I have been steadily paying off my high interest debt for several years now.? I have an existing Prosper loan on which I have paid over half the principal back.? Both my vehicles are paid off.? I have recently changed jobs, gaining a raise, and have been a computer programmer for 9 years now and have skills that are in demand.
Monthly net income: 5000
Monthly expenses:
Rent : 500
??? The house I own is rented for an amount covering the mortgage and expenses.? It is too far from my job to live in.
Utilities: 125
Cell phone and cable: 225
Car insurance: 130
Groceries: 350
Prosper Note: 137
Credit Card debt:? 175
Clothing and misc: 200
Entertainment: 200
Total:? 2042
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 explain the delinquencies. - Johnab
A:
In 2005 I cosigned a private student loan for a former friend who defaulted on the loan. In 2006 it reached 90 days, and they called me as co-signer. I paid off the 8000 remaining on the loan at that time, but several bills were paid late in the month following. I have had no late payments since that time.
(Sep-08-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| enthusiastic-balance5 | $50.00 | $50.00 | 9/7/2010 3:03:44 PM |
| MoneyForNothing | $26.20 | $26.20 | 9/7/2010 8:44:37 PM |
| KSPHoldings | $25.00 | $25.00 | 9/8/2010 5:20:34 AM |
| interstellar | $50.00 | $50.00 | 9/8/2010 7:27:09 AM |
| boss42 | $25.00 | $25.00 | 9/8/2010 7:26:14 AM |
| OregonDane | $25.00 | $25.00 | 9/8/2010 12:35:27 PM |
| relierma | $25.00 | $25.00 | 9/8/2010 2:14:47 PM |
| wwwUniversal | $25.00 | $25.00 | 9/8/2010 2:23:57 PM |
| Johnab | $50.00 | $50.00 | 9/8/2010 3:47:10 PM |
| DalCowboys | $25.00 | $25.00 | 9/8/2010 5:44:11 PM |
| BHP12345 | $25.00 | $25.00 | 9/8/2010 6:45:42 PM |
| BankofBeth | $25.00 | $25.00 | 9/8/2010 8:46:15 PM |
| penny-finder | $30.00 | $30.00 | 9/8/2010 11:30:33 PM |
| TechieLender | $50.00 | $50.00 | 9/9/2010 5:06:45 AM |
| beachfunder | $50.00 | $50.00 | 9/9/2010 7:53:44 AM |
| peb44 | $25.00 | $25.00 | 9/9/2010 9:26:42 AM |
| bonus-sensai825 | $25.00 | $25.00 | 9/9/2010 8:56:22 AM |
| id26709 | $29.84 | $29.84 | 9/9/2010 9:21:25 AM |
| walkinsky | $62.10 | $62.10 | 9/9/2010 12:42:12 PM |
| vtpilot00 | $50.00 | $50.00 | 9/9/2010 1:46:28 PM |
| Pendruce | $25.00 | $25.00 | 9/9/2010 3:19:32 PM |
| debt-legend | $25.00 | $25.00 | 9/9/2010 5:11:27 PM |
| gjm6d | $25.00 | $25.00 | 9/9/2010 6:41:02 PM |
| exchange-dreams | $25.00 | $25.00 | 9/9/2010 7:31:19 PM |
| RG | $25.00 | $25.00 | 9/9/2010 8:59:06 PM |
| nitrostamped | $85.29 | $85.29 | 9/10/2010 7:10:28 AM |
| WeshaTheLeopard | $25.00 | $25.00 | 9/10/2010 10:46:06 AM |
| sinner_c5 | $30.00 | $30.00 | 9/10/2010 12:43:27 PM |
| bradny | $25.00 | $25.00 | 9/10/2010 2:19:52 PM |
| floridahelper | $50.00 | $50.00 | 9/10/2010 3:47:18 PM |
| djmjkelso | $25.00 | $25.00 | 9/10/2010 10:41:57 PM |
| Dollars4Rent | $25.00 | $25.00 | 9/11/2010 8:41:17 AM |
| JerryB96 | $25.00 | $25.00 | 9/11/2010 10:03:40 PM |
| Light_Verity | $400.00 | $400.00 | 9/11/2010 11:52:46 PM |
| Lender0307 | $25.00 | $25.00 | 9/12/2010 11:33:19 AM |
| FundMaker | $25.00 | $25.00 | 9/12/2010 1:05:57 PM |
| jayk63 | $25.00 | $25.00 | 9/12/2010 3:48:25 PM |
| oldrebel | $25.00 | $25.00 | 9/12/2010 6:42:55 PM |
| eprometheus | $107.00 | $25.00 | 9/13/2010 4:23:42 AM |
| nad139 | $25.00 | $25.00 | 9/13/2010 7:55:55 AM |
| nimcha | $50.00 | $50.00 | 9/13/2010 2:01:22 PM |
| greekpolis | $50.00 | $50.00 | 9/13/2010 2:33:27 PM |
| justinology | $38.44 | $38.44 | 9/13/2010 2:59:14 PM |
| yerkster1 | $30.08 | $30.08 | 9/13/2010 5:15:08 PM |
| velocity-winner | $25.00 | $25.00 | 9/13/2010 5:42:45 PM |
| entertaining-greenback2 | $28.37 | $28.37 | 9/13/2010 6:02:06 PM |
| p2ploan-sensation211 | $25.00 | $25.00 | 9/13/2010 7:19:56 PM |
| 420limo | $50.01 | $50.01 | 9/13/2010 8:11:43 PM |
| a2190b | $25.00 | $25.00 | 9/13/2010 6:18:23 PM |
| scloans | $25.00 | $25.00 | 9/14/2010 2:21:15 AM |
| benefit-catalyst | $89.27 | $89.27 | 9/14/2010 5:31:31 AM |
| Chewbaca | $25.00 | $25.00 | 9/14/2010 7:33:52 AM |
| CashBank | $25.00 | $25.00 | 9/14/2010 8:38:30 AM |
| chuchutrain | $25.00 | $25.00 | 9/14/2010 10:43:10 AM |
| congardner1 | $25.00 | $25.00 | 9/14/2010 9:03:09 AM |
| integrity-palm9 | $50.00 | $50.00 | 9/14/2010 9:56:31 AM |
| radiant-return | $50.00 | $50.00 | 9/14/2010 12:23:12 PM |
| icon7 | $50.00 | $50.00 | 9/14/2010 1:57:27 PM |
| smalltown_mn | $25.00 | $25.00 | 9/14/2010 10:10:58 AM |
| grampy48 | $25.00 | $25.00 | 9/14/2010 2:06:53 PM |
| myextracash | $25.00 | $25.00 | 9/14/2010 2:12:17 PM |
| ryan6853 | $25.00 | $25.00 | 9/14/2010 10:41:02 AM |
| payout-paladin0 | $31.34 | $31.34 | 9/14/2010 1:59:38 PM |
| velocity-squadron | $33.61 | $33.61 | 9/14/2010 1:00:08 PM |
| Engineer44 | $25.00 | $25.00 | 9/14/2010 2:21:23 PM |
| rmpedi33 | $100.00 | $100.00 | 9/7/2010 4:36:01 PM |
| nbah123 | $50.00 | $50.00 | 9/7/2010 4:19:50 PM |
| EODCAP | $50.00 | $50.00 | 9/7/2010 5:16:42 PM |
| covie | $50.00 | $50.00 | 9/8/2010 10:42:35 AM |
| MarcusJames04 | $100.00 | $100.00 | 9/8/2010 1:35:08 PM |
| sturdy-velocity6 | $50.00 | $50.00 | 9/8/2010 6:52:33 PM |
| trajames | $30.22 | $30.22 | 9/8/2010 9:29:04 PM |
| greekgst99 | $25.00 | $25.00 | 9/9/2010 5:06:04 AM |
| Cherrypicker | $50.00 | $50.00 | 9/9/2010 11:56:14 AM |
| outofoffice | $75.00 | $75.00 | 9/9/2010 12:05:06 PM |
| orbital-dollar2 | $25.00 | $25.00 | 9/9/2010 1:02:41 PM |
| Chuck54 | $25.00 | $25.00 | 9/9/2010 12:56:29 PM |
| Heater36 | $25.00 | $25.00 | 9/9/2010 2:11:23 PM |
| gustavholstopus32 | $25.00 | $25.00 | 9/9/2010 4:24:42 PM |
| freefly67 | $25.00 | $25.00 | 9/9/2010 5:08:58 PM |
| Toony | $25.00 | $25.00 | 9/9/2010 6:03:04 PM |
| Rivermaverick | $25.00 | $25.00 | 9/10/2010 7:56:40 AM |
| vulgy | $25.00 | $25.00 | 9/10/2010 11:52:22 AM |
| CASSHMAN | $75.00 | $75.00 | 9/10/2010 7:27:53 PM |
| MonkeyHero | $30.24 | $30.24 | 9/10/2010 6:00:22 PM |
| Money_Hog | $25.00 | $25.00 | 9/10/2010 6:53:40 PM |
| Manta_Rai | $25.00 | $25.00 | 9/11/2010 8:43:45 AM |
| McChan | $100.00 | $100.00 | 9/11/2010 1:55:40 PM |
| billnsc | $25.00 | $25.00 | 9/12/2010 6:45:51 AM |
| sandeepPR | $25.00 | $25.00 | 9/12/2010 10:56:26 AM |
| loanman2007 | $50.00 | $50.00 | 9/12/2010 11:42:51 AM |
| Simply2fly | $25.00 | $25.00 | 9/12/2010 3:06:05 PM |
| radiant-return | $25.00 | $25.00 | 9/12/2010 7:37:37 PM |
| Mack_Inv | $100.00 | $100.00 | 9/13/2010 3:58:20 AM |
| bonus-quark4 | $25.00 | $25.00 | 9/13/2010 7:03:58 AM |
| Focus-On-Yield | $25.00 | $25.00 | 9/13/2010 9:18:13 AM |
| redtilapia | $25.00 | $25.00 | 9/13/2010 6:16:30 PM |
| hidavehi | $27.00 | $27.00 | 9/13/2010 7:18:10 PM |
| philantist | $25.00 | $25.00 | 9/13/2010 8:11:31 PM |
| CheapDolo22 | $25.00 | $25.00 | 9/13/2010 9:40:28 PM |
| bear01 | $30.00 | $30.00 | 9/13/2010 6:35:12 PM |
| pilot1723 | $25.00 | $25.00 | 9/13/2010 10:27:51 PM |
| thankful-nickel2 | $25.00 | $25.00 | 9/13/2010 6:57:16 PM |
| act943 | $90.00 | $90.00 | 9/14/2010 1:08:26 AM |
| StreetJustice | $51.77 | $51.77 | 9/14/2010 1:09:54 AM |
| CSAworker | $25.00 | $25.00 | 9/14/2010 5:14:53 AM |
| TheSpottedFlamingo | $25.00 | $25.00 | 9/14/2010 5:13:04 AM |
| crw1950 | $25.00 | $25.00 | 9/14/2010 5:59:11 AM |
| erowis | $25.00 | $25.00 | 9/14/2010 2:08:58 AM |
| ray1051 | $25.00 | $25.00 | 9/14/2010 5:35:25 AM |
| clean-fund | $50.00 | $50.00 | 9/14/2010 9:28:02 AM |
| jsnryn | $25.00 | $25.00 | 9/14/2010 7:14:30 AM |
| p2p-eagle9 | $25.00 | $25.00 | 9/14/2010 10:00:53 AM |
| Ricajote | $25.00 | $25.00 | 9/14/2010 11:08:52 AM |
| corporatejim | $26.22 | $26.22 | 9/14/2010 10:25:53 AM |
| DasMula | $50.00 | $50.00 | 9/14/2010 1:00:28 PM |
| Bank_of_E-Ville | $25.00 | $25.00 | 9/14/2010 1:25:12 PM |
| rutzebach | $75.00 | $75.00 | 9/14/2010 9:56:57 AM |
| 6moonbeams | $100.00 | $100.00 | 9/14/2010 11:56:32 AM |
| brightest-fascinating-principal | $25.00 | $25.00 | 9/14/2010 9:57:45 AM |
| Spkthewrd3 | $25.00 | $25.00 | 9/14/2010 10:54:53 AM |
| friendinmoney | $25.00 | $25.00 | 9/14/2010 2:22:01 PM |
| 122 bids
|
Borrower Payment Dependent Notes Series
470569
This series of Notes was issued and sold upon the funding of the borrower loan #44415, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $8,200.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 1.3% |
Auction start date:
| Sep-10-2010 |
| |
Auction end date:
| Sep-13-2010 |
|
|
Starting lender yield:
| 6.85% |
Starting borrower rate/APR:
| 7.85% / 8.19% |
Starting monthly payment:
| $256.39 |
|
Final lender yield:
| 6.85% |
Final borrower rate/APR:
| 7.85% / 8.19% |
Final monthly payment:
| $256.39 |
| |
|
Auction yield range:
| 2.79% - 6.85% |
Estimated loss impact:
| 1.30% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.55% | | |
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 score (1-10):
| 10 |
First credit line:
| Jul-2001 |
Debt/Income ratio:
| 22% |
|
Credit score:
| 720-739 (Sep-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
8 | Length of status: | 2y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 25 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $16,414 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 11% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| dasbuntenheim |
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.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 2 |
On-time:
| 8 ( 100% )
| 720-739 (Latest)
|
|
Principal borrowed:
| $10,825.00 | < 31 days late:
| 0
( 0% )
| 740-759
(Jan-2010)
720-739
(Nov-2009)
|
|
Principal balance:
| $2,603.91 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 8 | | |
Description
Path to Paying Off All Debt
Purpose of loan:
This loan will be used to consolidate debt at a lower APR.
My financial situation:
I am a good candidate for this loan because I have very stable job in the Intellectual Property field that requires my position for liability insurance purposes. I have never missed a payment in my life. I've had Prosper loans in the past and had a great experience with it. Here is the breakdown for my income/expenses:
Net Income - 3200/mo (after taxes, benefits, 401k contributions, etc.)
Expenses - 2395
Rent - 565/mo
Student Loan - 160/mo
Utilities - 70/mo
Helping pay retired parent's utilities - 250/mo
Monthly Loan/Credit Card Payments - 800/mo (I always pay more than the minimum payments)
Food/Entertainment - 500/mo
Prosper Investment - 50/mo
Thank you very much for taking a look at my listing and help me help you earn a good return on your money.
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) |
|
| cash-sensai2 | $25.00 | $25.00 | 9/10/2010 11:03:22 AM |
| harmonious-moola7 | $50.00 | $50.00 | 9/10/2010 11:03:45 AM |
| reward-planetarium | $100.00 | $100.00 | 9/10/2010 11:04:31 AM |
| market-socrates4 | $50.00 | $50.00 | 9/10/2010 11:04:44 AM |
| engaging-worth | $30.00 | $30.00 | 9/10/2010 11:04:47 AM |
| diplomatic-wealth7 | $100.00 | $100.00 | 9/10/2010 11:05:04 AM |
| VBAces | $50.00 | $50.00 | 9/10/2010 11:05:10 AM |
| schpere | $25.00 | $25.00 | 9/10/2010 11:03:02 AM |
| alpinaut | $25.00 | $25.00 | 9/10/2010 11:03:11 AM |
| MadHun | $100.00 | $100.00 | 9/10/2010 11:05:28 AM |
| windfall46 | $25.00 | $25.00 | 9/10/2010 11:03:16 AM |
| Havana21 | $100.00 | $100.00 | 9/10/2010 11:05:33 AM |
| investment-network | $25.00 | $25.00 | 9/10/2010 11:03:47 AM |
| kulender | $25.00 | $25.00 | 9/10/2010 11:03:21 AM |
| DukSerduk | $25.00 | $25.00 | 9/10/2010 11:03:26 AM |
| important-ore | $50.00 | $50.00 | 9/10/2010 11:05:51 AM |
| Ripsaw4U | $50.00 | $50.00 | 9/10/2010 11:06:01 AM |
| Supernick | $50.00 | $50.00 | 9/10/2010 11:04:26 AM |
| liberty-destiny3 | $25.00 | $25.00 | 9/10/2010 11:04:39 AM |
| Rdodson11 | $25.00 | $25.00 | 9/10/2010 11:04:04 AM |
| meenan | $25.00 | $25.00 | 9/10/2010 11:06:25 AM |
| alaco | $25.00 | $25.00 | 9/10/2010 11:06:46 AM |
| hottogo456 | $50.00 | $50.00 | 9/10/2010 11:05:05 AM |
| dlshap | $25.00 | $25.00 | 9/10/2010 11:04:22 AM |
| whistledicksmith | $50.00 | $50.00 | 9/10/2010 11:04:37 AM |
| kegs | $200.00 | $200.00 | 9/10/2010 11:04:49 AM |
| charlie-ann | $50.00 | $50.00 | 9/10/2010 11:07:08 AM |
| successful-wealth7 | $25.00 | $25.00 | 9/10/2010 11:04:54 AM |
| MoneyU4IA | $50.00 | $50.00 | 9/10/2010 11:05:41 AM |
| consomedia | $50.00 | $50.00 | 9/10/2010 11:05:46 AM |
| timepassport | $25.00 | $25.00 | 9/10/2010 11:07:37 AM |
| pakrbkr | $25.00 | $25.00 | 9/10/2010 11:05:50 AM |
| ichibon | $200.00 | $200.00 | 9/10/2010 11:05:29 AM |
| understanding-marketplace | $50.00 | $50.00 | 9/10/2010 11:06:05 AM |
| proper-p2p6 | $50.00 | $50.00 | 9/10/2010 11:05:37 AM |
| BlindProphet | $50.00 | $50.00 | 9/10/2010 11:05:42 AM |
| moneyfriend | $50.00 | $50.00 | 9/10/2010 11:05:48 AM |
| Zarf | $50.00 | $50.00 | 9/10/2010 11:05:56 AM |
| newest-sensible-hope | $50.00 | $50.00 | 9/10/2010 11:06:21 AM |
| harty | $50.00 | $50.00 | 9/10/2010 11:06:06 AM |
| thoughtful-community7 | $25.00 | $25.00 | 9/10/2010 11:06:09 AM |
| helpishere777 | $25.00 | $25.00 | 9/10/2010 11:06:49 AM |
| MiniBank998 | $25.00 | $25.00 | 9/10/2010 11:06:59 AM |
| acropiloterau2002 | $25.00 | $25.00 | 9/10/2010 11:06:47 AM |
| lender987654321 | $50.00 | $50.00 | 9/10/2010 11:06:54 AM |
| CorporateT00l | $50.00 | $50.00 | 9/10/2010 11:07:25 AM |
| ethical-point | $50.00 | $50.00 | 9/10/2010 11:07:15 AM |
| GatorsFan | $50.00 | $50.00 | 9/10/2010 11:07:27 AM |
| skillful-diversification2 | $25.00 | $25.00 | 9/10/2010 11:10:40 AM |
| esabzb | $25.00 | $25.00 | 9/10/2010 11:11:32 AM |
| enthusiastic-balance5 | $50.00 | $50.00 | 9/10/2010 11:11:49 AM |
| Walden2007 | $25.00 | $25.00 | 9/10/2010 11:10:45 AM |
| auction-sage | $25.00 | $25.00 | 9/10/2010 11:11:06 AM |
| ideal-platinum1 | $50.00 | $50.00 | 9/10/2010 11:11:28 AM |
| RandyL3 | $25.00 | $25.00 | 9/10/2010 11:10:47 AM |
| QuinMccoy | $25.00 | $25.00 | 9/10/2010 11:11:33 AM |
| murren | $25.00 | $25.00 | 9/10/2010 11:11:41 AM |
| morpholog | $25.00 | $25.00 | 9/10/2010 12:21:07 PM |
| Artist_Blue | $25.00 | $25.00 | 9/10/2010 12:19:15 PM |
| Sixmil | $25.00 | $25.00 | 9/10/2010 12:21:32 PM |
| danthemon35 | $25.00 | $25.00 | 9/10/2010 12:21:13 PM |
| HelpFromNY | $50.00 | $50.00 | 9/10/2010 12:33:18 PM |
| DavenportCapital | $25.00 | $25.00 | 9/10/2010 12:25:12 PM |
| MarinLoans | $25.00 | $25.00 | 9/10/2010 12:38:09 PM |
| frankdelraza | $25.00 | $25.00 | 9/10/2010 12:47:18 PM |
| busymomca | $50.00 | $50.00 | 9/10/2010 1:55:09 PM |
| greenwell | $44.30 | $44.30 | 9/10/2010 3:03:33 PM |
| bdloans | $25.00 | $25.00 | 9/10/2010 3:01:06 PM |
| clean-loyalty | $25.00 | $25.00 | 9/10/2010 5:08:05 PM |
| bruin558 | $53.01 | $53.01 | 9/10/2010 4:42:18 PM |
| IndianChief | $25.00 | $17.67 | 9/10/2010 5:37:36 PM |
| dionysus03 | $40.50 | $40.50 | 9/10/2010 5:08:03 PM |
| payout-reaction740 | $25.00 | $25.00 | 9/10/2010 9:47:16 PM |
| rmpedi33 | $50.00 | $50.00 | 9/11/2010 10:14:46 AM |
| ethicalhumanist | $50.00 | $50.00 | 9/11/2010 2:15:06 PM |
| JerryB96 | $25.00 | $25.00 | 9/11/2010 10:09:06 PM |
| billnsc | $25.00 | $25.00 | 9/12/2010 6:53:18 AM |
| RandyL3 | $25.00 | $25.00 | 9/12/2010 5:42:28 PM |
| bend2007 | $2,000.00 | $2,000.00 | 9/12/2010 8:47:44 PM |
| established-hope5 | $25.00 | $25.00 | 9/12/2010 9:28:01 PM |
| js60l | $25.00 | $25.00 | 9/10/2010 11:03:53 AM |
| benefit-celebration | $50.00 | $50.00 | 9/10/2010 11:05:14 AM |
| Weaverville | $25.00 | $25.00 | 9/10/2010 11:03:06 AM |
| Rysterola82 | $25.00 | $25.00 | 9/10/2010 11:05:24 AM |
| kenji4861 | $50.00 | $50.00 | 9/10/2010 11:02:59 AM |
| saritha | $30.00 | $30.00 | 9/10/2010 11:05:35 AM |
| guardlender | $25.00 | $25.00 | 9/10/2010 11:03:29 AM |
| djs81 | $25.00 | $25.00 | 9/10/2010 11:05:43 AM |
| dharma1 | $25.00 | $25.00 | 9/10/2010 11:03:50 AM |
| wormdc | $25.00 | $25.00 | 9/10/2010 11:03:24 AM |
| cebgop | $25.00 | $25.00 | 9/10/2010 11:04:01 AM |
| loanfairy | $25.00 | $25.00 | 9/10/2010 11:05:53 AM |
| CaptainBlueberry | $25.00 | $25.00 | 9/10/2010 11:06:04 AM |
| best-ingenious-funds | $25.00 | $25.00 | 9/10/2010 11:04:17 AM |
| efficient-marketplace | $50.00 | $50.00 | 9/10/2010 11:06:17 AM |
| Duchdad | $25.00 | $25.00 | 9/10/2010 11:04:35 AM |
| unclejaef | $25.00 | $25.00 | 9/10/2010 11:03:58 AM |
| happyjackbak | $25.00 | $25.00 | 9/10/2010 11:06:18 AM |
| integrity-onator1 | $25.00 | $25.00 | 9/10/2010 11:04:42 AM |
| teller | $50.00 | $50.00 | 9/10/2010 11:06:23 AM |
| gold-commander0 | $50.00 | $50.00 | 9/10/2010 11:05:03 AM |
| eyal0 | $25.00 | $25.00 | 9/10/2010 11:05:11 AM |
| financelover | $25.00 | $25.00 | 9/10/2010 11:04:28 AM |
| Railbird | $25.00 | $25.00 | 9/10/2010 11:06:55 AM |
| kyomoon | $50.00 | $50.00 | 9/10/2010 11:05:19 AM |
| AnxiousAirman | $50.00 | $50.00 | 9/10/2010 11:07:02 AM |
| nosualcneas | $25.00 | $25.00 | 9/10/2010 11:05:26 AM |
| j2ee | $25.00 | $25.00 | 9/10/2010 11:04:40 AM |
| TennSquire | $25.00 | $25.00 | 9/10/2010 11:07:05 AM |
| organized-payment6 | $50.00 | $50.00 | 9/10/2010 11:05:31 AM |
| RockCrown | $50.00 | $50.00 | 9/10/2010 11:04:52 AM |
| blot44 | $25.00 | $25.00 | 9/10/2010 11:07:09 AM |
| liederhaus | $50.00 | $50.00 | 9/10/2010 11:05:34 AM |
| CleeClee | $50.00 | $50.00 | 9/10/2010 11:04:59 AM |
| nuclearmoose | $25.00 | $25.00 | 9/10/2010 11:05:39 AM |
| power-defender7 | $25.00 | $25.00 | 9/10/2010 11:07:34 AM |
| F_Banks | $50.00 | $50.00 | 9/10/2010 11:05:17 AM |
| junctionking | $25.00 | $25.00 | 9/10/2010 11:07:43 AM |
| economy-orchid | $25.00 | $25.00 | 9/10/2010 11:05:45 AM |
| red-trade-cologne | $31.79 | $31.79 | 9/10/2010 11:06:03 AM |
| lagnisiruk | $25.00 | $25.00 | 9/10/2010 11:06:40 AM |
| natmonkey | $50.00 | $50.00 | 9/10/2010 11:06:43 AM |
| djc314 | $50.00 | $50.00 | 9/10/2010 11:06:20 AM |
| engaging-yield4 | $25.00 | $25.00 | 9/10/2010 11:06:52 AM |
| hookUup | $25.00 | $25.00 | 9/10/2010 11:06:33 AM |
| majormoves1 | $25.00 | $25.00 | 9/10/2010 11:06:37 AM |
| freesia54 | $25.00 | $25.00 | 9/10/2010 11:07:03 AM |
| duty-windmill | $25.00 | $25.00 | 9/10/2010 11:07:12 AM |
| wampum-optimization | $25.00 | $25.00 | 9/10/2010 11:07:22 AM |
| kanakakm | $50.00 | $50.00 | 9/10/2010 11:07:30 AM |
| reinforced-reward | $25.00 | $25.00 | 9/10/2010 11:07:18 AM |
| iem2509 | $25.00 | $25.00 | 9/10/2010 11:11:24 AM |
| kain11286 | $31.60 | $31.60 | 9/10/2010 11:18:28 AM |
| GElender | $100.00 | $100.00 | 9/10/2010 11:10:51 AM |
| a-exponential-hope | $25.00 | $25.00 | 9/10/2010 11:12:08 AM |
| tekkie2412 | $50.00 | $50.00 | 9/10/2010 11:11:38 AM |
| SunsetCoastCapital | $25.00 | $25.00 | 9/10/2010 12:13:06 PM |
| wise-dedicated-power | $50.00 | $50.00 | 9/10/2010 12:18:05 PM |
| Ivan2007 | $33.08 | $33.08 | 9/10/2010 12:20:45 PM |
| Marathoner | $50.00 | $50.00 | 9/10/2010 12:20:55 PM |
| bigphish | $25.00 | $25.00 | 9/10/2010 12:19:31 PM |
| radforj22 | $25.00 | $25.00 | 9/10/2010 12:22:24 PM |
| blissful-note7 | $25.00 | $25.00 | 9/10/2010 12:22:41 PM |
| djh47a | $25.00 | $25.00 | 9/10/2010 12:21:11 PM |
| DeesBar | $25.00 | $25.00 | 9/10/2010 12:20:57 PM |
| lloyd_s | $25.00 | $25.00 | 9/10/2010 12:22:32 PM |
| julijask | $25.00 | $25.00 | 9/10/2010 12:22:38 PM |
| IIP77 | $25.00 | $25.00 | 9/10/2010 12:22:29 PM |
| bountiful-durability | $100.00 | $100.00 | 9/10/2010 12:23:20 PM |
| jazzlender | $25.00 | $25.00 | 9/10/2010 12:25:04 PM |
| balance-voyager | $50.00 | $50.00 | 9/10/2010 12:24:04 PM |
| ZeoInvestments | $25.00 | $25.00 | 9/10/2010 12:24:47 PM |
| osage | $25.00 | $25.00 | 9/10/2010 12:33:17 PM |
| life-is-great | $32.35 | $32.35 | 9/10/2010 1:02:20 PM |
| pinnacle10 | $25.00 | $25.00 | 9/10/2010 1:32:11 PM |
| credit-shakespeare9 | $28.71 | $28.71 | 9/10/2010 1:38:51 PM |
| wonderful-rupee | $25.00 | $25.00 | 9/10/2010 2:37:28 PM |
| kjsfld | $25.00 | $25.00 | 9/10/2010 3:02:32 PM |
| Patter256 | $25.00 | $25.00 | 9/10/2010 3:17:23 PM |
| favorite-affluence2 | $25.00 | $25.00 | 9/11/2010 9:41:55 AM |
| sandeepPR | $25.00 | $25.00 | 9/12/2010 10:58:43 AM |
| wwwUniversal | $25.00 | $25.00 | 9/12/2010 2:49:23 PM |
| exchange-dreams | $25.00 | $25.00 | 9/12/2010 3:28:54 PM |
| Sarspatula | $25.00 | $25.00 | 9/12/2010 8:53:36 PM |
| capital-star5 | $25.00 | $25.00 | 9/13/2010 5:33:49 AM |
| JGuide | $26.99 | $26.99 | 9/13/2010 6:57:53 AM |
| 166 bids
|
Borrower Payment Dependent Notes Series
473261
This series of Notes was issued and sold upon the funding of the borrower loan #44384, 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:
| 18.3% |
Auction start date:
| Aug-27-2010 |
| |
Auction end date:
| Sep-03-2010 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $180.94 |
|
Final lender yield:
| 28.75% |
Final borrower rate/APR:
| 29.75% / 33.35% |
Final monthly payment:
| $169.26 |
| |
|
Auction yield range:
| 16.89% - 34.00% |
Estimated loss impact:
| 19.98% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 8.77% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 4 |
First credit line:
| May-1983 |
Debt/Income ratio:
| 3% |
|
Credit score:
| 640-659 (Aug-2010) |
Inquiries last 6m:
| 6 | Employment status: | Employed |
|
Now delinquent:
| 3 |
Current / open credit lines:
| 4
/
5 | Length of status: | 15y 8m |
|
Amount delinquent:
| $59,415 |
Total credit lines:
| 25 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $3,296 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 18 |
Bankcard utilization:
| 85% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| Roger7 |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 34 ( 100% )
| 640-659 (Latest)
|
|
Principal borrowed:
| $3,000.00 | < 31 days late:
| 0
( 0% )
| 660-679
(Oct-2006)
|
|
Principal balance:
| $0.02 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 34 | | |
Description
2nd Prspr Ln..Nvr Late..LOW risk
Hello, this is the second time I am applying for a loan through Prosper. My last loan was paid off in full, on-time and I was never late. I am a happily married man, with four amazing boys. I have an excellent job, where I have been an administrator for 16 years. The purpose of loan is to purchase inventory for my wife's dance studio which has been in business for 20 years. My financial situation is secure as I have worked for the same agency for over 16 years. I believe that my lower rating has to do with student loans that I acquired and am now repaying.
Monthly net income: $6400
Monthly expenses: $ 725
Housing: $2800
Insurance: $168
Student Loan $340
Car expenses: Both cars are totally paid for
Utilities: $150
Phone, cable, internet: $225
Food, entertainment: $600
Clothing, household expenses $200
Credit cards and other loans: $462
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
I have a question about the $59,415 deliquent posted. Is that amount student loans or something else? - ChoiceInvestments
A:
The amount listed is for a consolidated student loan. I have my BA and MA degrees. This amount is correct and in repayment. There is an error on our credit report regarding this loan. The student loan servicing company is in the process of clearing up this error. Thank you for asking and clarifying.
(Aug-30-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| UCLA4life | $50.00 | $50.00 | 8/27/2010 2:37:22 PM |
| enthusiastic-balance5 | $50.00 | $50.00 | 8/28/2010 8:22:44 AM |
| SolarMoonshine | $50.00 | $50.00 | 9/1/2010 10:30:10 AM |
| portfolio-turbine | $25.00 | $25.00 | 9/2/2010 6:39:20 PM |
| Cory79 | $26.23 | $26.23 | 9/2/2010 9:40:53 PM |
| BlessedEveryDay | $25.00 | $25.00 | 9/2/2010 4:46:47 PM |
| Moe87 | $25.00 | $25.00 | 9/2/2010 7:34:34 PM |
| Fun54115 | $25.00 | $25.00 | 9/2/2010 8:36:09 PM |
| Top_Gun_Lender | $40.00 | $40.00 | 9/2/2010 10:50:41 PM |
| jbloans | $30.00 | $30.00 | 9/3/2010 6:59:42 AM |
| income-rocker2 | $50.00 | $50.00 | 9/3/2010 9:26:21 AM |
| minnesotafinancial | $25.00 | $25.00 | 9/3/2010 10:00:42 AM |
| master648 | $36.11 | $36.11 | 9/3/2010 11:01:00 AM |
| wise382 | $25.01 | $25.01 | 9/3/2010 12:17:09 PM |
| marwadi-62 | $300.00 | $300.00 | 9/3/2010 12:44:23 PM |
| Champion_Lending | $30.00 | $30.00 | 9/3/2010 12:34:58 PM |
| Calif-smo | $55.00 | $55.00 | 9/3/2010 1:36:30 PM |
| dime-futurist | $25.00 | $25.00 | 9/3/2010 1:57:22 PM |
| five-star-investment8 | $57.26 | $57.26 | 9/3/2010 2:18:40 PM |
| payout-bridge | $2,000.00 | $805.57 | 9/3/2010 2:25:28 PM |
| alexgalt | $100.00 | $100.00 | 8/27/2010 2:31:40 PM |
| myutmost | $50.00 | $50.00 | 8/29/2010 12:37:19 PM |
| WonByOne | $25.00 | $25.00 | 8/30/2010 11:48:16 AM |
| Moe87 | $25.00 | $25.00 | 8/30/2010 4:26:02 PM |
| Steffy1976 | $25.00 | $25.00 | 9/2/2010 8:23:27 AM |
| Aberdeen | $400.00 | $400.00 | 9/2/2010 10:13:45 AM |
| hillerod | $25.00 | $25.00 | 9/2/2010 10:05:55 AM |
| wlm3012 | $25.00 | $25.00 | 9/2/2010 1:46:31 PM |
| Leshan | $75.00 | $75.00 | 9/2/2010 4:00:56 PM |
| thegreatstrafe | $25.00 | $25.00 | 9/2/2010 4:45:13 PM |
| CoolPlexer | $25.00 | $25.00 | 9/2/2010 5:31:29 PM |
| thankful-nickel2 | $25.00 | $25.00 | 9/2/2010 7:48:49 PM |
| wach | $25.00 | $25.00 | 9/2/2010 11:36:31 PM |
| Spiv_51 | $25.00 | $25.00 | 9/3/2010 3:15:05 AM |
| MilitaryAV8R | $25.00 | $25.00 | 9/3/2010 4:18:14 AM |
| loanman2007 | $75.00 | $75.00 | 9/3/2010 7:29:13 AM |
| golffish2 | $100.00 | $100.00 | 9/3/2010 7:53:29 AM |
| Mikale360 | $25.00 | $25.00 | 9/3/2010 8:38:14 AM |
| Snoopylover | $25.00 | $25.00 | 9/3/2010 9:20:44 AM |
| HT3 | $25.00 | $25.00 | 9/3/2010 9:26:56 AM |
| Typhoonsurf17 | $100.00 | $100.00 | 9/3/2010 9:54:53 AM |
| 2seriousteachers | $25.00 | $25.00 | 9/3/2010 12:14:36 PM |
| realtormoises | $25.00 | $25.00 | 9/3/2010 12:54:00 PM |
| kf88 | $25.00 | $25.00 | 9/3/2010 1:06:20 PM |
| cashman100 | $89.52 | $89.52 | 9/3/2010 1:17:14 PM |
| rockhound84 | $25.00 | $25.00 | 9/3/2010 2:03:21 PM |
| BrighterSuns | $25.00 | $25.00 | 9/3/2010 2:24:08 PM |
| productive-ore | $100.00 | $100.00 | 9/3/2010 2:25:26 PM |
| YoungTaxMan | $600.00 | $600.00 | 9/3/2010 2:25:27 PM |
| matthewa | $25.00 | $25.00 | 9/3/2010 2:07:34 PM |
| ALANGREANSPAN | $30.00 | $30.00 | 9/3/2010 2:23:24 PM |
| MStackIV | $25.30 | $25.30 | 9/3/2010 2:25:07 PM |
| 52 bids
|
Borrower Payment Dependent Notes Series
474007
This series of Notes was issued and sold upon the funding of the borrower loan #44422, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $13,000.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 1.6% |
Auction start date:
| Sep-01-2010 |
| |
Auction end date:
| Sep-08-2010 |
|
|
Starting lender yield:
| 7.25% |
Starting borrower rate/APR:
| 8.25% / 8.59% |
Starting monthly payment:
| $408.87 |
|
Final lender yield:
| 7.25% |
Final borrower rate/APR:
| 8.25% / 8.59% |
Final monthly payment:
| $408.87 |
| |
|
Auction yield range:
| 2.89% - 7.25% |
Estimated loss impact:
| 1.55% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.70% | | |
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 score (1-10):
| 10 |
First credit line:
| Apr-1997 |
Debt/Income ratio:
| 9% |
|
Credit score:
| 800-819 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 16
/
14 | Length of status: | 9y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 52 |
Occupation: | Teacher |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $42,816 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 45% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| Millionaire-Mind |
Borrower's state:
| Michigan |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Buy investment property
Purpose of loan:?Buy a rental property. I've found a nice 3 bedroom 1.5 bath house in my area that is in foreclosure and requires very little work. I can have this house fixed up and ready to go within 90 from the purchase. My intention is to rent it out or if I get a good offer, even flip it. Rents in the area are around 900/month which would be more than enough to make my monthly payments for this loan. I realize that I have to pay taxes and insurance on this house, but the rent income will be more than enough to cover them all. I already have a couple of people interested in renting the place, so finding a tenant will not be a problem.
My financial situation:?I am energetic, positive, serious, dedicated, hardworking. I know how to save and manage money. I always pay my bills on time. I?ve never had a late bill in my life. I have a good/secure job. I am?have been teaching computers in a tenured position?at the same job for more than 9 years now. My credit score is above 810?and my debt to income is very low (9%). I value my personal credit score and I will do everything possible to keep it in great shape.??I don't have any other debt except the house (home) mortgage payment of $408/month. My car is paid in full, no school loans. I always pay my credit card balance in full at the end of the month.I am absolutely positive that I will be able to pay off this loan within the given time frame at the agreed interest rate. If you have any questions, please feel free to e-mail me, or post them here.
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 prosper data shows you are not a homeowner, yet you say you pay a mortgage, could you explain the discrepancy? - jpblan11
A:
That is a great question. In fact I am a homeowner, but Prosper didn't update that information at the time when I've applied for the loan. I've asked them exactly the same question and here was their response: "Thank you for contacting Prosper Marketplace. We have received your tax document and have updated your account to reflect the home ownership. However, because your listing is now active it will not show unless you cancel and re-list. This is not recommended recommended at this time...
(Sep-03-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Attract | $25.00 | $25.00 | 9/1/2010 2:26:21 PM |
| guardlender | $25.00 | $25.00 | 9/1/2010 2:29:40 PM |
| HelpFromNY | $50.00 | $50.00 | 9/1/2010 2:33:57 PM |
| successful-wealth7 | $25.00 | $25.00 | 9/1/2010 2:34:52 PM |
| jazzlender | $25.00 | $25.00 | 9/1/2010 2:35:02 PM |
| gold-commander0 | $50.00 | $50.00 | 9/1/2010 2:35:10 PM |
| hottogo456 | $50.00 | $50.00 | 9/1/2010 2:35:33 PM |
| afotherg | $50.00 | $50.00 | 9/1/2010 2:36:09 PM |
| larrybird | $150.00 | $150.00 | 9/1/2010 2:37:54 PM |
| MoneyU4IA | $50.00 | $50.00 | 9/1/2010 2:40:27 PM |
| economy-orchid | $25.00 | $25.00 | 9/1/2010 2:41:45 PM |
| consomedia | $50.00 | $50.00 | 9/1/2010 2:42:14 PM |
| pakrbkr | $25.00 | $25.00 | 9/1/2010 2:42:25 PM |
| important-ore | $50.00 | $50.00 | 9/1/2010 2:42:34 PM |
| IIP77 | $25.00 | $25.00 | 9/1/2010 2:43:35 PM |
| RandyL3 | $25.00 | $25.00 | 9/1/2010 2:45:54 PM |
| bountiful-durability | $100.00 | $100.00 | 9/1/2010 2:27:40 PM |
| kulender | $50.00 | $50.00 | 9/1/2010 2:27:56 PM |
| life-is-great | $50.00 | $50.00 | 9/1/2010 2:29:32 PM |
| dontscrewmeover1 | $25.00 | $25.00 | 9/1/2010 2:32:27 PM |
| elasermd | $50.00 | $50.00 | 9/1/2010 2:33:44 PM |
| wise-dedicated-power | $25.00 | $25.00 | 9/1/2010 2:33:25 PM |
| dlshap | $25.00 | $25.00 | 9/1/2010 2:34:04 PM |
| Duchdad | $25.00 | $25.00 | 9/1/2010 2:34:21 PM |
| liberty-destiny3 | $25.00 | $25.00 | 9/1/2010 2:34:29 PM |
| engaging-worth | $30.00 | $30.00 | 9/1/2010 2:34:44 PM |
| top-sensible-yield | $50.00 | $50.00 | 9/1/2010 2:34:59 PM |
| harmonious-moola7 | $50.00 | $50.00 | 9/1/2010 2:35:20 PM |
| pinnacle10 | $25.00 | $25.00 | 9/1/2010 2:35:23 PM |
| tech310 | $50.00 | $50.00 | 9/1/2010 2:35:39 PM |
| orange-resolute-platinum | $25.00 | $25.00 | 9/1/2010 2:35:28 PM |
| ITGuy | $25.00 | $25.00 | 9/1/2010 2:35:54 PM |
| Rysterola82 | $25.00 | $25.00 | 9/1/2010 2:36:45 PM |
| nosualcneas | $25.00 | $25.00 | 9/1/2010 2:36:55 PM |
| liederhaus | $50.00 | $50.00 | 9/1/2010 2:37:41 PM |
| organized-payment6 | $50.00 | $50.00 | 9/1/2010 2:37:33 PM |
| gain-seagull9 | $25.00 | $25.00 | 9/1/2010 2:37:50 PM |
| Tai | $25.00 | $25.00 | 9/1/2010 2:38:20 PM |
| Marathoner | $50.00 | $50.00 | 9/1/2010 2:38:27 PM |
| GElender | $50.00 | $50.00 | 9/1/2010 2:38:05 PM |
| bigballer105 | $100.00 | $100.00 | 9/1/2010 2:38:14 PM |
| roblender | $25.00 | $25.00 | 9/1/2010 2:38:18 PM |
| nuclearmoose | $25.00 | $25.00 | 9/1/2010 2:40:25 PM |
| lostontheedge | $25.00 | $25.00 | 9/1/2010 2:41:50 PM |
| meux99 | $50.00 | $50.00 | 9/1/2010 2:44:41 PM |
| windfall46 | $25.00 | $25.00 | 9/1/2010 2:48:20 PM |
| trade-elm | $30.00 | $30.00 | 9/1/2010 2:59:29 PM |
| PCash | $25.00 | $25.00 | 9/1/2010 5:05:30 PM |
| shrewd-peace7 | $25.00 | $25.00 | 9/1/2010 9:34:04 PM |
| iLoaner | $25.00 | $25.00 | 9/2/2010 11:02:10 AM |
| JGB | $26.97 | $26.97 | 9/2/2010 11:02:20 AM |
| urbanMisfit | $25.00 | $25.00 | 9/1/2010 8:53:44 PM |
| samo102us | $25.00 | $25.00 | 9/1/2010 10:59:26 PM |
| bchen78875 | $25.00 | $25.00 | 9/2/2010 12:14:19 PM |
| lendingstar | $25.00 | $25.00 | 9/2/2010 1:12:04 PM |
| bdloans | $25.00 | $25.00 | 9/2/2010 6:50:34 AM |
| silverloan | $29.31 | $29.31 | 9/2/2010 2:29:30 PM |
| jjb3 | $25.00 | $25.00 | 9/2/2010 9:34:15 AM |
| CASHGIRL | $25.00 | $25.00 | 9/2/2010 9:34:21 AM |
| JTHarris | $25.00 | $25.00 | 9/2/2010 8:44:07 AM |
| zyztemboy | $25.00 | $25.00 | 9/2/2010 10:44:27 AM |
| loan4teacher | $25.00 | $25.00 | 9/2/2010 11:02:48 AM |
| eighttone | $25.00 | $25.00 | 9/2/2010 11:41:18 AM |
| Strand_Investments | $25.00 | $25.00 | 9/2/2010 12:17:31 PM |
| bigbucksfunding | $50.00 | $50.00 | 9/2/2010 12:55:54 PM |
| danny-lender | $50.00 | $50.00 | 9/2/2010 11:31:23 AM |
| Cheburashka | $30.00 | $30.00 | 9/2/2010 1:12:48 PM |
| smallcountry | $25.13 | $25.13 | 9/2/2010 2:12:51 PM |
| hopethisworks | $31.09 | $31.09 | 9/2/2010 2:14:28 PM |
| cello1 | $25.00 | $25.00 | 9/2/2010 4:16:54 PM |
| steady-gain5 | $25.00 | $25.00 | 9/2/2010 3:28:51 PM |
| scottr | $25.00 | $25.00 | 9/2/2010 3:23:32 PM |
| ArashMass | $30.00 | $30.00 | 9/2/2010 6:48:46 PM |
| Contact911 | $50.00 | $50.00 | 9/2/2010 4:45:56 PM |
| AFairDeal | $25.00 | $25.00 | 9/2/2010 5:03:55 PM |
| jga516 | $25.00 | $25.00 | 9/2/2010 5:10:04 PM |
| psa1995 | $25.00 | $25.00 | 9/2/2010 11:03:15 PM |
| cloud8 | $40.00 | $40.00 | 9/3/2010 12:17:23 AM |
| Ripsaw4U | $50.00 | $50.00 | 9/3/2010 12:37:45 AM |
| red-trade-cologne | $25.00 | $25.00 | 9/3/2010 2:48:06 AM |
| CaptainBlueberry | $25.00 | $25.00 | 9/3/2010 6:37:22 AM |
| aasx1108 | $25.00 | $25.00 | 9/3/2010 6:42:30 AM |
| GeelongTrader | $25.00 | $25.00 | 9/3/2010 7:48:11 AM |
| AWTT | $25.00 | $25.00 | 9/3/2010 7:57:20 AM |
| mizon291 | $39.49 | $39.49 | 9/3/2010 8:48:06 AM |
| the-money-gargantuan | $25.00 | $25.00 | 9/3/2010 9:18:52 AM |
| stable-money | $25.00 | $25.00 | 9/3/2010 9:37:29 AM |
| Zipperdu | $25.00 | $25.00 | 9/3/2010 9:44:18 AM |
| investmentgroup | $25.00 | $25.00 | 9/3/2010 10:43:15 AM |
| morpholog | $25.00 | $25.00 | 9/3/2010 10:44:11 AM |
| axl163 | $25.00 | $25.00 | 9/3/2010 10:59:00 AM |
| Dr_M | $25.00 | $25.00 | 9/3/2010 10:58:37 AM |
| johntina | $49.73 | $49.73 | 9/3/2010 10:59:26 AM |
| km007 | $25.00 | $25.00 | 9/3/2010 11:16:57 AM |
| kazdag | $26.56 | $26.56 | 9/3/2010 11:19:07 AM |
| JohnGalt94 | $25.00 | $25.00 | 9/3/2010 11:19:43 AM |
| LAKESPRING | $26.85 | $26.85 | 9/3/2010 11:17:33 AM |
| saihu | $25.00 | $25.00 | 9/3/2010 11:18:42 AM |
| Mickeyblu | $25.00 | $25.00 | 9/3/2010 11:39:49 AM |
| rmartin7414 | $27.89 | $27.89 | 9/3/2010 11:42:34 AM |
| visionary-currency | $100.00 | $100.00 | 9/3/2010 11:45:22 AM |
| bright-balance | $25.00 | $25.00 | 9/3/2010 11:40:50 AM |
| understanding-marketplace | $50.00 | $50.00 | 9/3/2010 12:09:48 PM |
| thoughtful-community7 | $25.00 | $25.00 | 9/3/2010 12:20:37 PM |
| Preteur | $25.00 | $25.00 | 9/3/2010 12:33:23 PM |
| Bieling | $25.00 | $25.00 | 9/3/2010 12:26:34 PM |
| awwaww | $25.00 | $25.00 | 9/3/2010 12:52:54 PM |
| transparency-giant | $50.00 | $50.00 | 9/3/2010 1:37:13 PM |
| first-pragmatic-note | $50.00 | $50.00 | 9/3/2010 2:18:03 PM |
| authoritative-capital | $25.00 | $25.00 | 9/3/2010 2:49:07 PM |
| efficient-marketplace | $50.00 | $50.00 | 9/3/2010 3:03:53 PM |
| happyjackbak | $25.00 | $25.00 | 9/3/2010 3:06:41 PM |
| jaker | $25.00 | $25.00 | 9/3/2010 3:14:24 PM |
| WarmWeather | $80.00 | $80.00 | 9/3/2010 4:44:32 PM |
| loan-selector622 | $25.00 | $25.00 | 9/3/2010 4:54:13 PM |
| teller | $50.00 | $50.00 | 9/3/2010 6:23:06 PM |
| generous-deal6 | $50.00 | $50.00 | 9/3/2010 7:34:26 PM |
| meenan | $25.00 | $25.00 | 9/3/2010 9:07:34 PM |
| frankdelraza | $25.00 | $25.00 | 9/3/2010 9:43:24 PM |
| lagnisiruk | $25.00 | $25.00 | 9/3/2010 11:28:42 PM |
| zenchef | $25.00 | $25.00 | 9/3/2010 10:32:42 PM |
| ZeoInvestments | $25.00 | $25.00 | 9/3/2010 11:27:31 PM |
| Sixmil | $25.00 | $25.00 | 9/3/2010 11:28:49 PM |
| Mantis75 | $25.00 | $25.00 | 9/3/2010 11:28:59 PM |
| mistertao | $25.00 | $25.00 | 9/3/2010 11:28:33 PM |
| mrgoldy | $25.00 | $25.00 | 9/4/2010 12:14:17 AM |
| djh47a | $25.00 | $25.00 | 9/3/2010 11:29:18 PM |
| Ancalagon | $25.00 | $25.00 | 9/4/2010 12:18:30 AM |
| RandomMonkey | $25.00 | $25.00 | 9/4/2010 1:01:14 AM |
| julijask | $25.00 | $25.00 | 9/4/2010 1:08:05 AM |
| fiscal65 | $25.00 | $25.00 | 9/4/2010 12:45:32 AM |
| DeltaGambler | $25.00 | $25.00 | 9/4/2010 1:23:23 AM |
| shorthairedg | $25.33 | $25.33 | 9/4/2010 1:02:11 AM |
| alverado | $37.76 | $37.76 | 9/4/2010 1:23:27 AM |
| unrivaled-justice | $25.00 | $25.00 | 9/4/2010 1:48:05 AM |
| gallant-camaraderi | $25.00 | $25.00 | 9/4/2010 1:57:31 AM |
| bold-special-peace7 | $76.55 | $76.55 | 9/4/2010 2:32:39 AM |
| ItsJustMe79 | $50.00 | $50.00 | 9/4/2010 2:32:40 AM |
| scrappy-bonus2 | $25.00 | $25.00 | 9/4/2010 2:26:13 AM |
| phillipd48 | $25.00 | $25.00 | 9/4/2010 3:12:17 AM |
| natmonkey | $50.00 | $50.00 | 9/4/2010 3:42:37 AM |
| mglanham | $25.00 | $25.00 | 9/4/2010 4:47:27 AM |
| workinghardoregon | $25.00 | $25.00 | 9/4/2010 9:07:22 AM |
| degster | $25.00 | $25.00 | 9/4/2010 1:37:20 PM |
| KiwiElf | $40.00 | $40.00 | 9/4/2010 2:23:42 PM |
| unrivaled-power | $150.00 | $150.00 | 9/4/2010 2:24:15 PM |
| wealthstar | $50.00 | $50.00 | 9/4/2010 2:24:22 PM |
| helpishere777 | $25.00 | $25.00 | 9/4/2010 2:23:44 PM |
| auction-sage | $25.00 | $25.00 | 9/4/2010 2:24:31 PM |
| jstnow | $25.00 | $25.00 | 9/4/2010 2:24:13 PM |
| kmwvma | $25.00 | $25.00 | 9/4/2010 2:24:19 PM |
| looney-toon | $25.00 | $25.00 | 9/4/2010 2:24:40 PM |
| deal-promiser1 | $100.00 | $100.00 | 9/4/2010 2:24:17 PM |
| market-enthusiast | $25.00 | $25.00 | 9/4/2010 2:24:27 PM |
| CoolHelp | $50.00 | $50.00 | 9/4/2010 3:22:30 PM |
| interstellar | $50.00 | $50.00 | 9/4/2010 2:32:35 PM |
| active-trade4 | $50.00 | $50.00 | 9/4/2010 3:18:34 PM |
| Guiren | $26.89 | $26.89 | 9/4/2010 5:17:36 PM |
| Zipperdu | $50.00 | $50.00 | 9/5/2010 9:45:43 AM |
| MonkeyHero | $25.00 | $25.00 | 9/5/2010 2:19:21 PM |
| Lefty_the_Lender | $25.00 | $25.00 | 9/6/2010 12:16:19 AM |
| sensible-fund | $129.65 | $129.65 | 9/6/2010 11:15:03 AM |
| Damostuff | $25.00 | $25.00 | 9/6/2010 4:34:15 PM |
| Patrician | $50.00 | $50.00 | 9/6/2010 4:33:16 PM |
| dime-vista2 | $25.00 | $25.00 | 9/6/2010 4:46:42 PM |
| availableloan | $25.00 | $25.00 | 9/6/2010 8:23:07 PM |
| wwwUniversal | $25.00 | $25.00 | 9/7/2010 9:37:23 AM |
| socal-lender | $25.00 | $25.00 | 9/7/2010 10:10:56 AM |
| Bodyboard | $30.20 | $30.20 | 9/7/2010 11:13:17 AM |
| kinetic-truth | $25.00 | $25.00 | 9/7/2010 10:56:50 AM |
| mglanham | $25.00 | $25.00 | 9/7/2010 2:49:09 PM |
| ethicalhumanist | $50.00 | $50.00 | 9/7/2010 3:14:51 PM |
| Earl65 | $25.00 | $25.00 | 9/7/2010 4:12:32 PM |
| historyman | $25.00 | $25.00 | 9/7/2010 5:20:10 PM |
| blot44 | $25.00 | $25.00 | 9/7/2010 7:32:19 PM |
| benefit-boots | $25.00 | $25.00 | 9/8/2010 12:12:29 AM |
| Socorro_Capital_Partners | $25.00 | $25.00 | 9/8/2010 12:19:39 AM |
| Dollars4Rent | $25.00 | $25.00 | 9/8/2010 7:01:10 AM |
| lucrative-coin | $50.00 | $50.00 | 9/8/2010 8:43:55 AM |
| patriot897 | $53.79 | $53.79 | 9/8/2010 10:36:25 AM |
| 6moonbeams | $100.00 | $100.00 | 9/8/2010 11:32:19 AM |
| jayh888 | $26.15 | $26.15 | 9/8/2010 1:49:14 PM |
| schpere | $25.00 | $25.00 | 9/1/2010 2:26:42 PM |
| wormdc | $25.00 | $25.00 | 9/1/2010 2:27:29 PM |
| DukSerduk | $25.00 | $25.00 | 9/1/2010 2:32:59 PM |
| financelover | $25.00 | $25.00 | 9/1/2010 2:34:12 PM |
| CorporateT00l | $50.00 | $50.00 | 9/1/2010 2:34:24 PM |
| GD68 | $25.00 | $25.00 | 9/1/2010 2:34:32 PM |
| market-socrates4 | $50.00 | $50.00 | 9/1/2010 2:34:41 PM |
| kegs | $200.00 | $200.00 | 9/1/2010 2:34:47 PM |
| CleeClee | $50.00 | $50.00 | 9/1/2010 2:35:08 PM |
| diplomatic-wealth7 | $100.00 | $100.00 | 9/1/2010 2:35:25 PM |
| eyal0 | $25.00 | $25.00 | 9/1/2010 2:35:50 PM |
| F_Banks | $50.00 | $50.00 | 9/1/2010 2:36:07 PM |
| investment-network | $25.00 | $25.00 | 9/1/2010 2:36:39 PM |
| SARMAR | $50.00 | $50.00 | 9/1/2010 2:37:58 PM |
| integrity-onator1 | $25.00 | $25.00 | 9/1/2010 2:40:05 PM |
| djs81 | $25.00 | $25.00 | 9/1/2010 2:40:49 PM |
| moneyfriend | $50.00 | $50.00 | 9/1/2010 2:42:19 PM |
| payment-gusto | $25.00 | $25.00 | 9/1/2010 2:44:12 PM |
| chrisb1414 | $25.00 | $25.00 | 9/1/2010 2:44:52 PM |
| senorzookeeper | $25.00 | $25.00 | 9/1/2010 2:45:10 PM |
| kenji4861 | $25.00 | $25.00 | 9/1/2010 2:25:11 PM |
| ray1051 | $100.00 | $100.00 | 9/1/2010 2:26:01 PM |
| best-ingenious-funds | $25.00 | $25.00 | 9/1/2010 2:49:01 PM |
| cash-sensai2 | $50.00 | $50.00 | 9/1/2010 2:29:23 PM |
| dharma1 | $25.00 | $25.00 | 9/1/2010 2:33:07 PM |
| jsmith1450 | $25.00 | $25.00 | 9/1/2010 2:33:40 PM |
| alpinaut | $25.00 | $25.00 | 9/1/2010 2:33:22 PM |
| Supernick | $50.00 | $50.00 | 9/1/2010 2:34:05 PM |
| reward-planetarium | $100.00 | $100.00 | 9/1/2010 2:34:15 PM |
| credit-shakespeare9 | $50.00 | $50.00 | 9/1/2010 2:34:18 PM |
| whistledicksmith | $50.00 | $50.00 | 9/1/2010 2:34:26 PM |
| j2ee | $25.00 | $25.00 | 9/1/2010 2:34:35 PM |
| RockCrown | $50.00 | $50.00 | 9/1/2010 2:34:48 PM |
| VBAces | $50.00 | $50.00 | 9/1/2010 2:35:42 PM |
| benefit-celebration | $50.00 | $50.00 | 9/1/2010 2:35:53 PM |
| Weaverville | $25.00 | $25.00 | 9/1/2010 2:36:30 PM |
| kyomoon | $50.00 | $50.00 | 9/1/2010 2:36:35 PM |
| acropiloterau2002 | $25.00 | $25.00 | 9/1/2010 2:36:43 PM |
| ichibon | $200.00 | $200.00 | 9/1/2010 2:37:12 PM |
| MadHun | $100.00 | $100.00 | 9/1/2010 2:37:06 PM |
| saritha | $30.00 | $30.00 | 9/1/2010 2:37:43 PM |
| Havana21 | $100.00 | $100.00 | 9/1/2010 2:37:35 PM |
| E_G | $50.00 | $50.00 | 9/1/2010 2:37:59 PM |
| proper-p2p6 | $50.00 | $50.00 | 9/1/2010 2:38:29 PM |
| kanakakm | $50.00 | $50.00 | 9/1/2010 2:38:06 PM |
| Ocean713 | $50.00 | $50.00 | 9/1/2010 2:38:24 PM |
| flexible-integrity7 | $25.00 | $25.00 | 9/1/2010 2:40:18 PM |
| DeesBar | $25.00 | $25.00 | 9/1/2010 2:40:03 PM |
| rosie777 | $35.00 | $35.00 | 9/1/2010 2:40:20 PM |
| BlindProphet | $50.00 | $50.00 | 9/1/2010 2:40:36 PM |
| loanfairy | $25.00 | $25.00 | 9/1/2010 2:45:20 PM |
| Mariner3605 | $25.00 | $25.00 | 9/1/2010 2:46:00 PM |
| lloyd_s | $25.00 | $25.00 | 9/1/2010 5:06:07 PM |
| goldeneye777 | $47.63 | $47.63 | 9/1/2010 3:05:02 PM |
| Topaz_John | $50.00 | $50.00 | 9/2/2010 12:03:40 AM |
| chillware | $25.00 | $25.00 | 9/1/2010 4:48:38 PM |
| balance6 | $25.00 | $25.00 | 9/1/2010 5:23:38 PM |
| antrux | $25.00 | $25.00 | 9/2/2010 9:33:52 AM |
| preciousjeni | $42.27 | $42.27 | 9/1/2010 7:38:46 PM |
| CorMDNY | $50.00 | $50.00 | 9/1/2010 8:49:22 PM |
| TheBiggTree | $50.00 | $50.00 | 9/2/2010 11:55:28 AM |
| cebgop | $25.00 | $25.00 | 9/2/2010 3:05:13 AM |
| meers2000 | $30.00 | $30.00 | 9/2/2010 7:58:53 AM |
| octoberfresh | $35.00 | $35.00 | 9/2/2010 7:35:30 AM |
| bayareainv | $50.00 | $50.00 | 9/2/2010 9:24:04 AM |
| NorthwestValue | $25.00 | $25.00 | 9/2/2010 10:03:43 AM |
| WindyKid | $40.46 | $40.46 | 9/2/2010 11:01:22 AM |
| worthy-truth | $25.00 | $25.00 | 9/2/2010 11:04:46 AM |
| thegobbler | $25.00 | $25.00 | 9/2/2010 3:21:40 PM |
| SDNLR | $25.00 | $25.00 | 9/2/2010 1:14:08 PM |
| fireboss | $25.00 | $25.00 | 9/2/2010 3:30:46 PM |
| danthemon35 | $25.00 | $25.00 | 9/2/2010 3:21:52 PM |
| revenue-officer36 | $27.34 | $27.34 | 9/2/2010 3:23:28 PM |
| profitable-asset1 | $25.00 | $25.00 | 9/2/2010 3:26:53 PM |
| wise-dedicated-power | $25.00 | $25.00 | 9/2/2010 3:59:15 PM |
| Zarf | $50.00 | $50.00 | 9/2/2010 10:56:19 PM |
| Ivan2007 | $28.22 | $28.22 | 9/2/2010 11:48:13 PM |
| RusRobo | $25.00 | $25.00 | 9/3/2010 12:52:17 AM |
| radforj22 | $50.00 | $50.00 | 9/3/2010 4:37:28 AM |
| js60l | $25.00 | $25.00 | 9/3/2010 5:13:26 AM |
| Rdodson11 | $25.00 | $25.00 | 9/3/2010 6:58:09 AM |
| transaction-aggregator7 | $25.00 | $25.00 | 9/3/2010 8:33:30 AM |
| golden-platinum7 | $25.00 | $25.00 | 9/3/2010 9:35:39 AM |
| NDFIRTH | $50.00 | $50.00 | 9/3/2010 9:37:37 AM |
| ArmyGuy | $25.00 | $25.00 | 9/3/2010 10:40:45 AM |
| DavenportCapital | $25.00 | $25.00 | 9/3/2010 10:41:40 AM |
| littlemonkey | $25.00 | $25.00 | 9/3/2010 10:43:05 AM |
| skuba | $50.00 | $50.00 | 9/3/2010 10:47:20 AM |
| MitchD | $25.00 | $25.00 | 9/3/2010 10:55:44 AM |
| PA2LA | $25.00 | $25.00 | 9/3/2010 10:57:00 AM |
| Philosonie | $25.00 | $25.00 | 9/3/2010 10:59:45 AM |
| Yankeeeagle | $25.00 | $25.00 | 9/3/2010 11:18:52 AM |
| MTLoans | $25.00 | $25.00 | 9/3/2010 11:19:37 AM |
| Big_Baller | $25.00 | $25.00 | 9/3/2010 11:37:02 AM |
| balance2 | $25.00 | $25.00 | 9/3/2010 11:39:53 AM |
| kindness-percolator5 | $25.00 | $25.00 | 9/3/2010 11:39:06 AM |
| safe-finance | $25.00 | $25.00 | 9/3/2010 11:53:10 AM |
| fairness-lotus3 | $50.00 | $50.00 | 9/3/2010 12:07:50 PM |
| harty | $50.00 | $50.00 | 9/3/2010 12:10:07 PM |
| winlender | $25.00 | $25.00 | 9/3/2010 12:54:16 PM |
| Keebs | $25.00 | $25.00 | 9/3/2010 2:35:43 PM |
| djc314 | $50.00 | $50.00 | 9/3/2010 4:32:37 PM |
| newest-sensible-hope | $50.00 | $50.00 | 9/3/2010 5:02:48 PM |
| ferocious-exchange3 | $50.00 | $50.00 | 9/3/2010 7:02:33 PM |
| hookUup | $25.00 | $25.00 | 9/3/2010 9:22:27 PM |
| syounker | $25.00 | $25.00 | 9/3/2010 11:27:33 PM |
| rjw_mpwr | $25.00 | $25.00 | 9/3/2010 11:28:00 PM |
| sensible-trade | $65.67 | $65.67 | 9/3/2010 11:29:22 PM |
| rmachi | $25.00 | $25.00 | 9/3/2010 11:47:59 PM |
| majormoves1 | $25.00 | $25.00 | 9/3/2010 11:27:56 PM |
| bruin558 | $70.00 | $70.00 | 9/3/2010 11:28:34 PM |
| SunsetCoastCapital | $25.00 | $25.00 | 9/3/2010 11:28:44 PM |
| Dutchhunter | $46.71 | $46.71 | 9/4/2010 12:31:02 AM |
| crazybill | $33.41 | $33.41 | 9/4/2010 12:03:20 AM |
| Okeey | $25.00 | $25.00 | 9/4/2010 12:15:13 AM |
| lowrate | $39.86 | $39.86 | 9/4/2010 12:06:32 AM |
| pwkpwk | $25.00 | $25.00 | 9/4/2010 1:01:28 AM |
| MAJESTIC5 | $38.49 | $38.49 | 9/4/2010 12:31:12 AM |
| mad4wknds | $25.00 | $25.00 | 9/4/2010 1:22:36 AM |
| trade-pumpkin | $29.03 | $29.03 | 9/4/2010 1:50:01 AM |
| discrete-asset | $25.00 | $25.00 | 9/4/2010 2:02:51 AM |
| crawfingers | $25.00 | $25.00 | 9/4/2010 2:25:38 AM |
| wise-silver-wonder | $25.00 | $25.00 | 9/4/2010 1:58:18 AM |
| benefit-judo5 | $25.85 | $25.85 | 9/4/2010 2:32:47 AM |
| brightest-durability-chomper | $25.00 | $25.00 | 9/4/2010 2:13:53 AM |
| VWA_to_the_Rescue | $50.00 | $50.00 | 9/4/2010 5:47:18 AM |
| wise-dedicated-power | $50.00 | $50.00 | 9/4/2010 6:58:42 AM |
| overflowinglife | $25.00 | $25.00 | 9/4/2010 9:48:44 AM |
| Octavian315 | $35.00 | $35.00 | 9/4/2010 1:13:38 PM |
| blissful-note7 | $25.00 | $25.00 | 9/4/2010 2:10:53 PM |
| useful-currency | $25.00 | $25.00 | 9/4/2010 2:24:12 PM |
| wise-deal-panda | $50.00 | $50.00 | 9/4/2010 2:24:17 PM |
| nostromo | $50.00 | $50.00 | 9/4/2010 2:24:33 PM |
| mizount | $25.00 | $25.00 | 9/4/2010 2:24:37 PM |
| Avid_Skier | $50.00 | $50.00 | 9/4/2010 2:24:16 PM |
| jsw7us | $50.00 | $50.00 | 9/4/2010 2:24:34 PM |
| preciouschild | $100.00 | $100.00 | 9/4/2010 3:00:20 PM |
| NumberThree | $25.00 | $25.00 | 9/4/2010 2:24:14 PM |
| metro457 | $40.00 | $40.00 | 9/4/2010 2:24:20 PM |
| DonaldColorado | $25.00 | $25.00 | 9/4/2010 2:24:29 PM |
| saysana | $25.00 | $25.00 | 9/4/2010 2:24:46 PM |
| bannybucks | $25.00 | $25.00 | 9/4/2010 3:49:01 PM |
| ingenious-order783 | $25.00 | $25.00 | 9/4/2010 3:01:28 PM |
| Phantom99 | $25.00 | $25.00 | 9/4/2010 4:58:08 PM |
| integrity-cowbell | $25.00 | $9.04 | 9/4/2010 5:52:26 PM |
| sprinkler5 | $25.00 | $25.00 | 9/5/2010 10:49:38 AM |
| Paragon13 | $50.00 | $50.00 | 9/5/2010 7:37:17 PM |
| spa224 | $25.00 | $25.00 | 9/6/2010 7:19:19 AM |
| otalon | $25.00 | $25.00 | 9/6/2010 9:11:27 AM |
| intelligent-platinum1 | $25.00 | $25.00 | 9/6/2010 6:02:46 PM |
| big_oaks | $25.00 | $25.00 | 9/6/2010 10:09:40 PM |
| dollardave | $100.00 | $100.00 | 9/7/2010 8:52:15 AM |
| RandyL3 | $50.00 | $50.00 | 9/7/2010 9:35:35 AM |
| abnvette | $25.00 | $25.00 | 9/7/2010 1:55:14 PM |
| nickel-demon2 | $100.00 | $100.00 | 9/7/2010 2:47:34 PM |
| integrity-broker | $25.00 | $25.00 | 9/7/2010 3:12:12 PM |
| charlie-ann | $150.00 | $150.00 | 9/7/2010 4:34:36 PM |
| little_brother1 | $31.68 | $31.68 | 9/7/2010 4:03:39 PM |
| maximizer | $25.00 | $25.00 | 9/7/2010 5:59:53 PM |
| Dollars4Rent | $25.00 | $25.00 | 9/8/2010 7:00:52 AM |
| systematic-payment3 | $25.00 | $25.00 | 9/8/2010 9:53:45 AM |
| greekgst99 | $25.00 | $25.00 | 9/8/2010 10:12:26 AM |
| SkonkeyGongo | $25.00 | $25.00 | 9/8/2010 11:35:28 AM |
| mmmaacc | $50.00 | $50.00 | 9/8/2010 12:02:55 PM |
| revenue-appraiser | $25.00 | $25.00 | 9/8/2010 1:11:40 PM |
| phaded | $25.00 | $25.00 | 9/8/2010 2:12:58 PM |
| 348 bids
|
Borrower Payment Dependent Notes Series
474011
This series of Notes was issued and sold upon the funding of the borrower loan #44418, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $5,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.3% |
Auction start date:
| Sep-02-2010 |
| |
Auction end date:
| Sep-09-2010 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $226.18 |
|
Final lender yield:
| 33.85% |
Final borrower rate/APR:
| 34.85% / 38.57% |
Final monthly payment:
| $225.76 |
| |
|
Auction yield range:
| 16.89% - 34.00% |
Estimated loss impact:
| 20.30% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.55% | | |
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 score (1-10):
| 5 |
First credit line:
| Jun-1992 |
Debt/Income ratio:
| 33% |
|
Credit score:
| 640-659 (Aug-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
9 | Length of status: | 5y 2m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 16 |
Occupation: | Truck Driver |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $5,608 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 91% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| Krikssur |
Borrower's state:
| Ohio |
Borrower's group:
| DIVORCED AND GETTING OUT OF DEBT !!! |
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:
| 18 ( 100% )
| 640-659 (Latest)
|
|
Principal borrowed:
| $5,000.00 | < 31 days late:
| 0
( 0% )
| 620-639
(Aug-2007)
600-619
(Jul-2007)
580-599
(Jun-2007)
560-579
(May-2007)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 18 | | |
Description
Paying for uncovered medical bills
Purpose of loan:
This loan will be used to? pay uncovered medical expenses for recent knee surgery
My financial situation:
I am a good candidate for this loan because?? I had a recent loan that was paid off early, on my previous listing I understated my net income.
Monthly net income: $ 2660
Monthly expenses: $
??Housing: $ 590
??Insurance: $ 70
??Car expenses: $ 350
??Utilities: $ 200
??Phone, cable, internet: $ 150
??Food, entertainment: $ 300
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 75
??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) |
|
| usedtoborrow | $25.00 | $25.00 | 9/2/2010 2:29:23 PM |
| frugalinvestor20 | $25.00 | $25.00 | 9/2/2010 2:33:50 PM |
| alexgalt | $100.00 | $100.00 | 9/2/2010 2:50:11 PM |
| Kash2010lu | $75.00 | $75.00 | 9/2/2010 8:44:14 PM |
| currency-bumblebee | $25.00 | $25.00 | 9/3/2010 10:26:38 AM |
| productive-ore | $50.00 | $50.00 | 9/3/2010 2:04:48 PM |
| blitzen40 | $25.00 | $25.00 | 9/3/2010 2:18:59 PM |
| return-grizzly | $100.00 | $100.00 | 9/3/2010 2:51:58 PM |
| Amber_Stone | $50.00 | $50.00 | 9/3/2010 2:57:02 PM |
| UCLA4life | $25.14 | $25.14 | 9/3/2010 3:29:26 PM |
| green-rapid-openness | $50.00 | $50.00 | 9/3/2010 5:31:14 PM |
| Moe87 | $25.00 | $25.00 | 9/4/2010 6:10:10 AM |
| big_balla_papi | $25.00 | $25.00 | 9/5/2010 3:20:19 PM |
| lendstats_com | $300.00 | $300.00 | 9/6/2010 10:42:00 AM |
| well-mannered-income3 | $60.00 | $60.00 | 9/6/2010 2:19:12 PM |
| fabulous-community4 | $25.30 | $25.30 | 9/6/2010 3:59:04 PM |
| enthusiastic-balance5 | $50.00 | $50.00 | 9/6/2010 4:53:19 PM |
| head | $25.00 | $25.00 | 9/7/2010 7:01:41 AM |
| loanman2007 | $125.00 | $125.00 | 9/7/2010 8:12:37 AM |
| Onlyhappycustomers | $25.00 | $25.00 | 9/7/2010 7:39:24 PM |
| mrxtravis | $43.26 | $43.26 | 9/7/2010 9:12:56 PM |
| chameleon125 | $50.00 | $50.00 | 9/7/2010 9:49:45 PM |
| atomantic | $25.00 | $25.00 | 9/8/2010 8:46:13 AM |
| dammage | $25.00 | $25.00 | 9/8/2010 3:32:11 PM |
| Moe87 | $25.00 | $25.00 | 9/8/2010 4:20:16 PM |
| american-investor | $25.00 | $25.00 | 9/8/2010 5:51:59 PM |
| loss-of-control | $25.00 | $25.00 | 9/8/2010 6:29:38 PM |
| Ray3486 | $25.00 | $25.00 | 9/8/2010 6:08:09 PM |
| Feyenoord | $25.00 | $25.00 | 9/8/2010 7:48:18 PM |
| BankofBeth | $25.00 | $25.00 | 9/8/2010 8:35:10 PM |
| SFBank | $300.00 | $300.00 | 9/8/2010 9:41:58 PM |
| credit-missile | $25.00 | $25.00 | 9/9/2010 12:52:23 AM |
| order-bee1 | $25.00 | $25.00 | 9/8/2010 11:52:30 PM |
| credit-missile | $25.00 | $25.00 | 9/9/2010 12:52:44 AM |
| CommunityArts_Non-profit | $25.00 | $25.00 | 9/9/2010 4:02:22 AM |
| Bomber | $25.00 | $25.00 | 9/9/2010 5:28:24 AM |
| verticalhorizon | $58.83 | $58.83 | 9/9/2010 5:35:44 AM |
| excellent-reward323 | $50.00 | $50.00 | 9/9/2010 6:11:54 AM |
| deal-promiser | $25.00 | $25.00 | 9/9/2010 6:48:44 AM |
| brondero | $25.00 | $25.00 | 9/9/2010 7:11:45 AM |
| Mikale360 | $25.00 | $25.00 | 9/9/2010 7:22:57 AM |
| ZOOOM | $25.00 | $25.00 | 9/9/2010 7:25:13 AM |
| enthusiastic-balance5 | $50.00 | $50.00 | 9/9/2010 7:54:20 AM |
| nfx | $25.00 | $25.00 | 9/9/2010 7:47:04 AM |
| roguewinner | $41.81 | $41.81 | 9/9/2010 8:30:03 AM |
| Zipcut | $25.00 | $25.00 | 9/9/2010 8:47:05 AM |
| BrighterSuns | $25.00 | $25.00 | 9/9/2010 9:46:03 AM |
| jcw3rd | $25.00 | $25.00 | 9/9/2010 10:33:58 AM |
| 3439 | $25.00 | $25.00 | 9/9/2010 12:20:09 PM |
| DasMula | $25.00 | $25.00 | 9/9/2010 12:23:41 PM |
| outofoffice | $50.00 | $50.00 | 9/9/2010 12:01:10 PM |
| Astyanax | $40.00 | $40.00 | 9/9/2010 1:27:20 PM |
| SlickNick | $25.00 | $25.00 | 9/9/2010 12:54:38 PM |
| payout-bridge | $2,000.00 | $361.24 | 9/9/2010 2:24:22 PM |
| shrewd-income | $25.00 | $25.00 | 9/9/2010 2:10:01 PM |
| green-agreement-animal | $25.00 | $25.00 | 9/9/2010 2:23:24 PM |
| Skeptical-one | $30.00 | $30.00 | 9/2/2010 2:33:45 PM |
| glroark | $50.00 | $50.00 | 9/2/2010 2:35:54 PM |
| OldManP | $25.00 | $25.00 | 9/2/2010 2:38:27 PM |
| reflective-rupee | $25.00 | $25.00 | 9/3/2010 10:51:06 AM |
| reflective-rupee | $25.00 | $25.00 | 9/3/2010 10:51:20 AM |
| good4loan | $25.00 | $25.00 | 9/3/2010 10:51:46 PM |
| restless-dime | $26.26 | $26.26 | 9/4/2010 8:00:40 AM |
| lucrative-loan | $75.00 | $75.00 | 9/6/2010 10:42:31 AM |
| SolarMoonshine | $25.00 | $25.00 | 9/6/2010 4:01:15 PM |
| YoungTaxMan | $300.00 | $300.00 | 9/6/2010 5:27:59 PM |
| Sudoku | $100.00 | $100.00 | 9/6/2010 10:59:36 PM |
| penny-sergeant | $25.00 | $25.00 | 9/7/2010 5:41:49 AM |
| red-favorable-basis | $25.00 | $25.00 | 9/7/2010 9:06:04 AM |
| five-star-note | $81.31 | $81.31 | 9/7/2010 11:56:04 AM |
| DHolly | $25.00 | $25.00 | 9/7/2010 1:04:36 PM |
| Bob450 | $25.00 | $25.00 | 9/7/2010 3:01:43 PM |
| CommunityArts_Non-profit | $50.00 | $50.00 | 9/7/2010 5:00:03 PM |
| genuine-integrity0 | $25.00 | $25.00 | 9/8/2010 4:31:59 AM |
| NekHoldings | $25.00 | $25.00 | 9/8/2010 6:05:32 AM |
| Kelor99 | $25.00 | $25.00 | 9/8/2010 10:55:00 AM |
| Gregger | $25.00 | $25.00 | 9/8/2010 11:47:10 AM |
| foldingbenny2 | $30.00 | $30.00 | 9/8/2010 2:11:57 PM |
| Jerrys1951 | $40.00 | $40.00 | 9/8/2010 5:50:59 PM |
| pietro_torna_indietro | $37.54 | $37.54 | 9/8/2010 6:38:58 PM |
| Whipster | $25.00 | $25.00 | 9/8/2010 6:50:23 PM |
| larryboy10 | $25.00 | $25.00 | 9/8/2010 6:34:25 PM |
| brondero | $25.00 | $25.00 | 9/8/2010 9:31:14 PM |
| credit-missile | $25.00 | $25.00 | 9/9/2010 12:53:25 AM |
| credit-missile | $25.00 | $25.00 | 9/9/2010 12:53:03 AM |
| Mrgiggleswic | $50.00 | $50.00 | 9/9/2010 4:50:57 AM |
| orbital-dollar2 | $25.00 | $25.00 | 9/9/2010 5:55:59 AM |
| moola-accelerator6 | $25.00 | $25.00 | 9/9/2010 8:03:10 AM |
| Cluvnupe06 | $25.00 | $25.00 | 9/9/2010 8:48:26 AM |
| Leshan | $99.99 | $99.99 | 9/9/2010 9:31:44 AM |
| cash-daisy | $27.38 | $27.38 | 9/9/2010 9:22:18 AM |
| WonByOne | $25.00 | $25.00 | 9/9/2010 10:23:36 AM |
| MStackIV | $100.00 | $100.00 | 9/9/2010 10:48:26 AM |
| jpollar | $25.00 | $25.00 | 9/9/2010 10:59:09 AM |
| houli123 | $25.00 | $25.00 | 9/9/2010 10:37:54 AM |
| Packers18 | $100.00 | $100.00 | 9/9/2010 10:49:25 AM |
| friendinmoney | $46.94 | $46.94 | 9/9/2010 11:12:04 AM |
| Kash2010lu | $25.00 | $25.00 | 9/9/2010 11:22:36 AM |
| Lubava | $25.00 | $25.00 | 9/9/2010 12:24:01 PM |
| heerzaquestion | $25.00 | $25.00 | 9/9/2010 12:36:45 PM |
| transaction-mechanic4 | $25.00 | $25.00 | 9/9/2010 1:27:38 PM |
| Laxa | $25.00 | $25.00 | 9/9/2010 1:39:46 PM |
| ultimate-dough0 | $25.00 | $25.00 | 9/9/2010 1:57:18 PM |
| wealth-multiplier | $25.00 | $25.00 | 9/9/2010 1:43:35 PM |
| grampy48 | $50.00 | $50.00 | 9/9/2010 2:01:20 PM |
| 168RichCapital | $25.00 | $25.00 | 9/9/2010 2:22:47 PM |
| 106 bids
|
Borrower Payment Dependent Notes Series
474137
This series of Notes was issued and sold upon the funding of the borrower loan #44396, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $5,700.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 9.8% |
Auction start date:
| Sep-03-2010 |
| |
Auction end date:
| Sep-10-2010 |
|
|
Starting lender yield:
| 24.75% |
Starting borrower rate/APR:
| 25.75% / 29.26% |
Starting monthly payment:
| $228.90 |
|
Final lender yield:
| 24.75% |
Final borrower rate/APR:
| 25.75% / 29.27% |
Final monthly payment:
| $228.90 |
| |
|
Auction yield range:
| 10.89% - 24.75% |
Estimated loss impact:
| 10.41% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.34% | | |
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 score (1-10):
| 8 |
First credit line:
| Jul-1994 |
Debt/Income ratio:
| 22% |
|
Credit score:
| 660-679 (Sep-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
7 | Length of status: | 3y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 19 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,920 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 90% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| PunkToFunk |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 34 ( 100% )
| 660-679 (Latest)
|
|
Principal borrowed:
| $1,700.00 | < 31 days late:
| 0
( 0% )
| 600-619
(May-2006)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 34 | | |
Description
Erasing medical, credit debt
Thank you for looking!
I plan to use this loan... to finally erase lingering medical and credit card debts, including two high-interest store credit cards I've kept for too long.
I am a good candidate for this loan because:
1) I have a steady, decent paying job.
2) I have plans in place to further reducing spending.
3) I have an excellent payment record with Prosper.
4) The monthly payment for the loan is only slightly more than what I currently pay to meet the minimums, which really gets you nowhere!
Monthly net income: $2500
Monthly expenses
Housing: $700
Auto insurance: $160
Gasoline: $90
Utilities: $75 - $140
Phone: $100
Internet: $48
Debt payments: $200
Clothing and household: $50 - $75
Food and entertainment: $350, with plans to greatly reduce
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:
Do you have an IRA, 401k, or 403b? If so, what?s a rough estimate of the value? Unlike a Pension fund, these have cash value and can be partially withdrawn. ONLY do this if behind on payments to save your credit. Penalties to cash in are STEEP! - SmartConsolidation
A:
None of the above.
(Sep-04-2010)
Q:
I think you?re a great candidate to pledge / bid for!!.What's your share of the monthly rent (or mortgage) and what's your significant others? Also, what do you pay monthly toward the auto lease (or car loan) and what does your significant other pay? - SmartConsolidation
A:
I am single so I pay all rent and bills. Car is paid off, so no loan there.
(Sep-04-2010)
Q:
Sir, what are the balances and rates of each credit card you are paying? - jpblan11
A:
515.09 at 17.9% --- 2,152.74 at 26.9% --- 1,347.33 at 23.24% --- 887.51 at 16.24%
(Sep-04-2010)
Q:
Greetings. I would like to know what your occupation is. There is nothing in the listing to provide a clue. Thank you. - Smallbear
A:
I work in the customer-facing technical support department for a major software company.
(Sep-08-2010)
Q:
Hi, what is the maximum interest rate you will accept for this loan? Thanks. - interest88
A:
This is already listed in the listing at the top of the page. Thank you for looking!
(Sep-08-2010)
Q:
Humans, this is an excellent investment, let's lend to this one! I know Prosper allows the borrower to pay in full up to 36 months. Will you go the distance or will you pay this loan off sooner? If so, in how many months? PS: Please answer publicly. - hektek22
A:
With my current situation, it is likely I will go the distance. If I am able to cut expenses significantly I may pay more, but I cannot guarantee that.
(Sep-08-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| EBITDA | $25.00 | $25.00 | 9/3/2010 2:52:19 PM |
| simplelender80 | $100.00 | $100.00 | 9/3/2010 2:52:34 PM |
| reward-adventure | $30.00 | $30.00 | 9/3/2010 2:55:51 PM |
| Rogelio48 | $30.00 | $30.00 | 9/3/2010 2:56:48 PM |
| MoneyForNothing | $33.85 | $33.85 | 9/3/2010 9:50:21 PM |
| finance-magma7 | $100.00 | $100.00 | 9/4/2010 1:10:45 AM |
| danthemon35 | $25.00 | $25.00 | 9/4/2010 1:26:11 AM |
| investment-thinker4 | $25.00 | $25.00 | 9/4/2010 2:07:15 PM |
| payment-halo | $25.00 | $25.00 | 9/5/2010 5:52:28 PM |
| good4loan | $25.00 | $25.00 | 9/5/2010 11:31:42 PM |
| dws2380 | $25.00 | $25.00 | 9/6/2010 1:58:47 PM |
| tech310 | $50.00 | $50.00 | 9/6/2010 4:42:35 PM |
| JustMee | $25.00 | $25.00 | 9/6/2010 5:22:59 PM |
| rockhound84 | $25.00 | $25.00 | 9/7/2010 10:16:22 AM |
| scoobiedoo | $25.00 | $25.00 | 9/7/2010 10:42:05 AM |
| Moe87 | $25.00 | $25.00 | 9/7/2010 6:06:36 PM |
| jpollar | $25.00 | $25.00 | 9/8/2010 11:32:12 AM |
| ttnk62918 | $25.00 | $25.00 | 9/8/2010 1:52:17 PM |
| clean-fund | $25.00 | $25.00 | 9/8/2010 3:46:08 PM |
| fuzed | $55.00 | $55.00 | 9/9/2010 6:59:48 AM |
| LittleMingo | $25.00 | $25.00 | 9/9/2010 9:47:22 AM |
| KTOWN | $25.00 | $25.00 | 9/9/2010 10:31:04 AM |
| killdare | $25.00 | $25.00 | 9/9/2010 12:04:16 PM |
| bughead | $25.00 | $25.00 | 9/9/2010 2:44:10 PM |
| selfmademan | $25.00 | $25.00 | 9/9/2010 2:51:31 PM |
| Whipster | $50.00 | $50.00 | 9/9/2010 2:58:57 PM |
| penny-surgeon | $25.00 | $25.00 | 9/9/2010 3:10:16 PM |
| MStackIV | $50.00 | $50.00 | 9/9/2010 3:22:48 PM |
| Maetryx | $48.38 | $48.38 | 9/9/2010 3:41:49 PM |
| american-investor | $26.96 | $26.96 | 9/9/2010 4:45:37 PM |
| credit-missile | $25.00 | $25.00 | 9/9/2010 5:01:03 PM |
| credit-missile | $25.00 | $25.00 | 9/9/2010 5:01:18 PM |
| credit-missile | $25.00 | $25.00 | 9/9/2010 5:09:38 PM |
| gothampark | $25.00 | $25.00 | 9/9/2010 5:19:27 PM |
| credit-missile | $25.00 | $25.00 | 9/9/2010 5:09:56 PM |
| omegamon1 | $25.00 | $25.00 | 9/9/2010 5:32:20 PM |
| cbivitz | $325.00 | $325.00 | 9/9/2010 5:55:15 PM |
| marinbb | $50.00 | $50.00 | 9/9/2010 6:15:39 PM |
| trade-goblin9 | $25.00 | $25.00 | 9/9/2010 6:43:46 PM |
| 1nvest | $25.00 | $25.00 | 9/9/2010 7:44:47 PM |
| chameleon125 | $75.00 | $75.00 | 9/10/2010 6:43:48 AM |
| shneb | $50.00 | $50.00 | 9/10/2010 7:01:11 AM |
| AtmaSingshu | $25.00 | $25.00 | 9/10/2010 7:03:46 AM |
| EA_Pokerking | $25.00 | $25.00 | 9/10/2010 7:37:48 AM |
| all_of_that_one | $25.00 | $25.00 | 9/10/2010 8:23:33 AM |
| heerzaquestion | $50.00 | $50.00 | 9/10/2010 8:11:01 AM |
| booie | $25.00 | $25.00 | 9/10/2010 9:02:10 AM |
| FinanceEngine | $30.00 | $30.00 | 9/10/2010 9:18:05 AM |
| tender-benefit1 | $50.00 | $50.00 | 9/10/2010 9:38:06 AM |
| tedi-tif | $25.00 | $25.00 | 9/10/2010 9:39:04 AM |
| WeshaTheLeopard | $25.00 | $25.00 | 9/10/2010 10:43:34 AM |
| rockhound84 | $25.00 | $25.00 | 9/10/2010 10:47:27 AM |
| The-Lighthouse-Group | $25.00 | $25.00 | 9/10/2010 12:11:45 PM |
| listing-bada-bing | $50.00 | $50.00 | 9/10/2010 1:03:33 PM |
| DasMula | $25.00 | $25.00 | 9/10/2010 2:32:47 PM |
| SC2TX | $100.00 | $100.00 | 9/10/2010 1:51:57 PM |
| B-rad_the_Coug | $25.00 | $25.00 | 9/3/2010 2:53:11 PM |
| handshake5 | $25.00 | $25.00 | 9/3/2010 2:52:50 PM |
| bid-czar8 | $50.00 | $50.00 | 9/3/2010 2:55:18 PM |
| enthralling-deal180 | $100.00 | $100.00 | 9/3/2010 2:56:12 PM |
| zipemdown | $50.00 | $50.00 | 9/3/2010 2:57:29 PM |
| burrito6 | $25.00 | $25.00 | 9/3/2010 3:03:10 PM |
| enthusiastic-balance5 | $50.00 | $50.00 | 9/3/2010 3:03:43 PM |
| elegant-bonus | $25.00 | $25.00 | 9/3/2010 7:18:36 PM |
| Trakissta | $150.00 | $150.00 | 9/3/2010 8:49:59 PM |
| frogperson | $100.00 | $100.00 | 9/3/2010 9:20:21 PM |
| kulender | $50.00 | $13.65 | 9/4/2010 6:02:56 AM |
| Sven79 | $150.00 | $150.00 | 9/4/2010 12:15:37 PM |
| order-bee1 | $250.00 | $250.00 | 9/4/2010 1:33:40 PM |
| well-mannered-income3 | $25.00 | $25.00 | 9/6/2010 2:11:02 PM |
| lendstats_com | $200.00 | $200.00 | 9/6/2010 4:26:16 PM |
| mercuriant | $25.00 | $25.00 | 9/6/2010 4:47:42 PM |
| loanman2007 | $100.00 | $100.00 | 9/7/2010 8:00:18 AM |
| red-favorable-basis | $25.00 | $25.00 | 9/7/2010 9:12:23 AM |
| rmpedi33 | $25.00 | $25.00 | 9/7/2010 10:53:04 AM |
| grammaspurse | $25.00 | $25.00 | 9/7/2010 12:30:45 PM |
| _SCI_ | $25.00 | $25.00 | 9/7/2010 10:52:42 PM |
| ptjg | $50.00 | $50.00 | 9/8/2010 3:22:14 AM |
| Aberdeen | $400.00 | $400.00 | 9/8/2010 10:23:04 AM |
| genuine-integrity0 | $25.00 | $25.00 | 9/8/2010 9:53:07 AM |
| usedtoborrow | $78.33 | $78.33 | 9/8/2010 10:24:06 AM |
| Smallbear | $25.00 | $25.00 | 9/8/2010 1:09:59 PM |
| Jerrys1951 | $25.00 | $25.00 | 9/8/2010 5:55:46 PM |
| vigorous-payment3 | $26.00 | $26.00 | 9/9/2010 8:26:40 AM |
| lender-inc | $37.02 | $37.02 | 9/9/2010 10:25:08 AM |
| BankofBeth | $25.00 | $25.00 | 9/9/2010 11:06:45 AM |
| niceguy777 | $25.00 | $25.00 | 9/9/2010 12:26:03 PM |
| Pu239 | $60.00 | $60.00 | 9/9/2010 12:52:22 PM |
| head | $25.00 | $25.00 | 9/9/2010 2:11:12 PM |
| rate-hickory | $25.00 | $25.00 | 9/9/2010 2:34:05 PM |
| Bob450 | $35.00 | $35.00 | 9/9/2010 2:44:09 PM |
| cashhelp | $25.00 | $25.00 | 9/9/2010 3:00:37 PM |
| umfan123 | $25.00 | $25.00 | 9/9/2010 3:00:35 PM |
| radar_love | $25.00 | $25.00 | 9/9/2010 4:03:41 PM |
| credit-missile | $25.00 | $25.00 | 9/9/2010 5:00:44 PM |
| missile5 | $50.00 | $50.00 | 9/9/2010 5:56:41 PM |
| skillful-asset5 | $30.00 | $30.00 | 9/9/2010 6:23:21 PM |
| us957165 | $25.00 | $25.00 | 9/9/2010 7:27:46 PM |
| orbital-dollar2 | $25.00 | $25.00 | 9/9/2010 7:40:16 PM |
| Otagaini | $25.00 | $25.00 | 9/9/2010 7:41:35 PM |
| jcw3rd | $25.00 | $25.00 | 9/9/2010 7:54:48 PM |
| CoolPlexer | $25.00 | $25.00 | 9/9/2010 9:29:01 PM |
| silver-parsec | $25.00 | $25.00 | 9/9/2010 9:31:47 PM |
| benefit-boots | $25.00 | $25.00 | 9/9/2010 11:23:15 PM |
| credit-missile | $25.00 | $25.00 | 9/9/2010 11:02:10 PM |
| 1-HARD-HEAD | $25.00 | $25.00 | 9/9/2010 11:42:49 PM |
| DoctorJoe | $25.00 | $25.00 | 9/10/2010 3:58:11 AM |
| MStackIV | $50.00 | $50.00 | 9/10/2010 5:42:04 AM |
| wonder3 | $50.00 | $50.00 | 9/10/2010 6:31:19 AM |
| grnii78 | $65.15 | $65.15 | 9/10/2010 6:53:23 AM |
| EEasyMoney | $50.00 | $50.00 | 9/10/2010 6:58:10 AM |
| bitano | $25.00 | $25.00 | 9/10/2010 8:04:54 AM |
| thankful-nickel2 | $25.00 | $25.00 | 9/10/2010 8:06:33 AM |
| patriot384 | $120.00 | $120.00 | 9/10/2010 8:40:50 AM |
| p2ploan-sensation211 | $50.00 | $50.00 | 9/10/2010 9:08:02 AM |
| grampy48 | $50.00 | $50.00 | 9/10/2010 9:34:37 AM |
| wealth-grasshopper0 | $105.66 | $105.66 | 9/10/2010 12:15:14 PM |
| investmentgroup | $25.00 | $25.00 | 9/10/2010 12:23:33 PM |
| AM2171 | $25.00 | $25.00 | 9/10/2010 2:37:36 PM |
| WonByOne | $50.00 | $50.00 | 9/10/2010 2:23:41 PM |
| 120 bids
|
Borrower Payment Dependent Notes Series
474379
This series of Notes was issued and sold upon the funding of the borrower loan #44387, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $8,000.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 3.5% |
Auction start date:
| Sep-07-2010 |
| |
Auction end date:
| Sep-12-2010 |
|
|
Starting lender yield:
| 10.15% |
Starting borrower rate/APR:
| 11.15% / 13.27% |
Starting monthly payment:
| $262.48 |
|
Final lender yield:
| 10.15% |
Final borrower rate/APR:
| 11.15% / 13.27% |
Final monthly payment:
| $262.48 |
| |
|
Auction yield range:
| 3.89% - 10.15% |
Estimated loss impact:
| 3.53% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.62% | | |
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 score (1-10):
| 9 |
First credit line:
| Sep-2003 |
Debt/Income ratio:
| 10% |
|
Credit score:
| 780-799 (Sep-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 1y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 8 |
Occupation: | Military Enlisted |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $6,548 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 37% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| AKK1980 |
Borrower's state:
| Washington |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Home improvement project.
Home improvement loan. Moving to new employment location renting out current home.
The loan is for upgrading home to meet with local guidelines for rental properties.
Project time table to be completed by April 2011
My current financial situation is good. Some revolving credit card debt from vacation travels etc.
Looking at paying cards off within 4 months.
Currently i am under contract with my employer for the next 2 years, my window for extending contract for an other 3-4 years
is currently open and will be signed for this month. With new contract comes new work location. Contract guarantees pay
regardless of personal issues. I will need to place my current home for rent until home values increase more.
I purchased the house this year so the value has stayed the same & the monthly payments are reasonable.
My timetable for paying this loan back by next July.
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) |
|
| Weaverville | $25.00 | $25.00 | 9/7/2010 2:29:28 PM |
| ray1051 | $25.00 | $25.00 | 9/7/2010 2:35:31 PM |
| wise-dedicated-power | $25.00 | $25.00 | 9/7/2010 2:37:20 PM |
| bountiful-durability | $100.00 | $100.00 | 9/7/2010 2:37:59 PM |
| loan-wasp | $50.00 | $50.00 | 9/7/2010 2:42:29 PM |
| jazzlender | $25.00 | $25.00 | 9/7/2010 2:43:07 PM |
| important-ore | $50.00 | $50.00 | 9/7/2010 2:44:58 PM |
| integrity-trumpet | $50.00 | $50.00 | 9/7/2010 2:47:13 PM |
| vigorous-note | $50.00 | $50.00 | 9/7/2010 2:48:02 PM |
| bayareainv | $50.00 | $50.00 | 9/7/2010 2:49:49 PM |
| proper-p2p6 | $50.00 | $50.00 | 9/7/2010 2:48:34 PM |
| efficient-marketplace | $50.00 | $50.00 | 9/7/2010 2:50:21 PM |
| danthemon35 | $25.00 | $25.00 | 9/7/2010 2:55:06 PM |
| RandyL3 | $25.00 | $25.00 | 9/7/2010 2:55:57 PM |
| Tradesmanlender | $25.00 | $25.00 | 9/7/2010 2:56:05 PM |
| Artist_Blue | $25.00 | $25.00 | 9/7/2010 2:57:51 PM |
| Ripsaw4U | $50.00 | $50.00 | 9/7/2010 3:00:01 PM |
| wise-dedicated-power | $50.00 | $50.00 | 9/7/2010 3:03:39 PM |
| SomebodysMom | $200.00 | $200.00 | 9/7/2010 4:37:03 PM |
| generous-deal6 | $25.00 | $25.00 | 9/7/2010 5:14:44 PM |
| chibear34 | $25.00 | $25.00 | 9/8/2010 3:44:31 AM |
| efficient-treasure0 | $25.00 | $25.00 | 9/8/2010 8:43:54 AM |
| worthy-bid8 | $100.00 | $100.00 | 9/8/2010 9:27:32 AM |
| jigsaw | $100.00 | $100.00 | 9/8/2010 10:27:27 AM |
| pfh | $25.00 | $25.00 | 9/8/2010 11:14:49 AM |
| 6moonbeams | $100.00 | $100.00 | 9/8/2010 11:32:27 AM |
| agalt | $100.00 | $100.00 | 9/8/2010 1:37:32 PM |
| Msbutterfly | $50.00 | $50.00 | 9/8/2010 2:37:56 PM |
| NYCFinancier | $25.00 | $25.00 | 9/8/2010 3:17:02 PM |
| anders94 | $25.00 | $25.00 | 9/8/2010 3:23:30 PM |
| useful-currency | $25.00 | $25.00 | 9/8/2010 3:17:42 PM |
| DcUnited | $30.00 | $30.00 | 9/8/2010 6:58:15 PM |
| WilliamLeeSims | $25.00 | $25.00 | 9/8/2010 9:18:20 PM |
| mvfreel | $50.00 | $50.00 | 9/8/2010 11:32:15 PM |
| blue-relay | $25.00 | $25.00 | 9/9/2010 6:27:38 AM |
| Kaj | $30.00 | $30.00 | 9/9/2010 8:19:05 AM |
| FinDoc | $25.00 | $25.00 | 9/9/2010 10:07:21 AM |
| commitment-farm | $48.00 | $48.00 | 9/9/2010 10:15:00 AM |
| justice-dna | $25.00 | $25.00 | 9/9/2010 10:32:27 AM |
| affluence-animal | $50.00 | $50.00 | 9/9/2010 1:16:32 PM |
| JKKCapital | $25.00 | $25.00 | 9/9/2010 1:29:22 PM |
| ClearLake | $25.00 | $25.00 | 9/9/2010 1:33:02 PM |
| blissful-note7 | $25.00 | $25.00 | 9/9/2010 1:34:26 PM |
| teller | $42.65 | $42.65 | 9/9/2010 1:34:34 PM |
| mpactlender | $25.00 | $25.00 | 9/9/2010 1:35:30 PM |
| bill-mushroom | $25.00 | $25.00 | 9/9/2010 1:34:56 PM |
| BankerJohn | $50.00 | $50.00 | 9/9/2010 1:44:18 PM |
| geniusj | $25.00 | $25.00 | 9/9/2010 2:55:51 PM |
| credit-coach118 | $25.00 | $25.00 | 9/9/2010 2:56:49 PM |
| exponential-income | $50.00 | $50.00 | 9/9/2010 2:56:33 PM |
| djh47a | $25.00 | $24.12 | 9/9/2010 3:01:26 PM |
| leodragon | $25.00 | $25.00 | 9/9/2010 3:08:09 PM |
| reflective-rupee | $25.00 | $25.00 | 9/9/2010 3:17:53 PM |
| usd1027 | $25.00 | $25.00 | 9/9/2010 3:47:09 PM |
| minista | $25.00 | $25.00 | 9/9/2010 3:56:06 PM |
| dime-vista2 | $25.00 | $25.00 | 9/9/2010 4:04:08 PM |
| interstellar | $50.00 | $50.00 | 9/9/2010 4:14:48 PM |
| Spring342 | $50.00 | $50.00 | 9/9/2010 4:17:27 PM |
| piedrn1981 | $60.00 | $60.00 | 9/9/2010 5:42:27 PM |
| DDPrime | $50.00 | $50.00 | 9/9/2010 6:32:51 PM |
| qkinger | $50.00 | $50.00 | 9/9/2010 6:42:34 PM |
| Jarod213 | $25.00 | $25.00 | 9/9/2010 8:54:44 PM |
| OoM | $25.00 | $25.00 | 9/9/2010 11:04:46 PM |
| Jtomtom | $68.00 | $68.00 | 9/9/2010 11:29:58 PM |
| JoeBanks | $25.00 | $25.00 | 9/10/2010 5:25:29 AM |
| beaufuture | $25.00 | $25.00 | 9/10/2010 5:37:08 AM |
| integrity-cowbell | $25.00 | $25.00 | 9/10/2010 6:40:46 AM |
| acura1329 | $300.00 | $300.00 | 9/10/2010 7:07:44 AM |
| Rivermaverick | $25.00 | $25.00 | 9/10/2010 8:02:09 AM |
| microfunder | $25.00 | $25.00 | 9/10/2010 8:05:23 AM |
| surferracerskaterboy | $50.00 | $50.00 | 9/10/2010 9:30:32 AM |
| Earnest_Money | $25.00 | $25.00 | 9/10/2010 3:11:34 PM |
| finance-symphony7 | $50.00 | $50.00 | 9/10/2010 6:32:29 PM |
| lukeskywalkerkp | $30.00 | $30.00 | 9/10/2010 6:21:19 PM |
| p_amadeus | $46.50 | $46.50 | 9/10/2010 11:21:51 PM |
| Spiv_51 | $25.00 | $25.00 | 9/11/2010 3:42:44 AM |
| best-listing-toro | $25.00 | $25.00 | 9/11/2010 8:07:12 AM |
| money4u2use | $25.00 | $25.00 | 9/11/2010 10:08:46 AM |
| debt-legend | $25.00 | $25.00 | 9/11/2010 10:35:25 AM |
| McChan | $100.00 | $100.00 | 9/11/2010 1:54:00 PM |
| OKPapa | $29.00 | $29.00 | 9/12/2010 1:39:19 AM |
| blindtaxidriver | $25.00 | $25.00 | 9/12/2010 10:11:43 AM |
| larrybird | $150.00 | $150.00 | 9/7/2010 2:36:59 PM |
| GElender | $50.00 | $50.00 | 9/7/2010 2:35:51 PM |
| ArashMass | $30.00 | $30.00 | 9/7/2010 2:38:07 PM |
| rescue | $50.00 | $50.00 | 9/7/2010 2:37:41 PM |
| kegs | $150.00 | $150.00 | 9/7/2010 2:36:46 PM |
| pnace | $35.00 | $35.00 | 9/7/2010 2:38:43 PM |
| simplelender80 | $250.00 | $250.00 | 9/7/2010 2:41:32 PM |
| studious-bonus7 | $100.00 | $100.00 | 9/7/2010 2:41:54 PM |
| authentic-liberty7 | $50.00 | $50.00 | 9/7/2010 2:42:52 PM |
| bid-czar8 | $50.00 | $50.00 | 9/7/2010 2:42:41 PM |
| enthralling-deal180 | $100.00 | $100.00 | 9/7/2010 2:43:02 PM |
| handshake5 | $25.00 | $25.00 | 9/7/2010 2:45:31 PM |
| kmr2 | $150.00 | $150.00 | 9/7/2010 2:46:41 PM |
| schpere | $25.00 | $25.00 | 9/7/2010 2:45:19 PM |
| objective-investor | $100.00 | $100.00 | 9/7/2010 2:47:32 PM |
| mla | $25.00 | $25.00 | 9/7/2010 2:47:03 PM |
| finance-magma7 | $100.00 | $100.00 | 9/7/2010 2:49:36 PM |
| yukongin | $100.00 | $100.00 | 9/7/2010 2:49:25 PM |
| ichibon | $200.00 | $200.00 | 9/7/2010 2:48:14 PM |
| radforj22 | $25.00 | $25.00 | 9/7/2010 2:50:00 PM |
| credit-scout7 | $50.00 | $50.00 | 9/7/2010 2:51:02 PM |
| hookUup | $25.00 | $25.00 | 9/7/2010 2:52:17 PM |
| BeanCownter | $50.00 | $50.00 | 9/7/2010 2:55:41 PM |
| helpinghand75 | $50.00 | $50.00 | 9/7/2010 2:58:50 PM |
| community-pipeline8 | $50.00 | $50.00 | 9/7/2010 3:00:52 PM |
| j2ee | $25.00 | $25.00 | 9/7/2010 3:01:21 PM |
| organized-payment6 | $50.00 | $50.00 | 9/7/2010 3:01:48 PM |
| neighborly-bid | $25.00 | $25.00 | 9/7/2010 3:04:04 PM |
| diplomatic-wealth7 | $25.85 | $25.85 | 9/7/2010 4:22:55 PM |
| julijask | $25.00 | $25.00 | 9/7/2010 5:15:01 PM |
| reasonable-transaction7 | $25.00 | $25.00 | 9/7/2010 9:22:34 PM |
| riproaringrapids | $25.00 | $25.00 | 9/7/2010 9:22:54 PM |
| balanced-bill7 | $50.00 | $50.00 | 9/7/2010 10:34:38 PM |
| soheagle | $50.00 | $50.00 | 9/7/2010 9:56:42 PM |
| the-profit-oracle | $25.00 | $25.00 | 9/7/2010 11:26:33 PM |
| treasure-bison | $25.00 | $25.00 | 9/8/2010 6:31:38 AM |
| octoberfresh | $25.00 | $25.00 | 9/8/2010 8:50:23 AM |
| wealth-comet694 | $25.00 | $25.00 | 9/8/2010 9:16:29 AM |
| Fiimg | $50.00 | $50.00 | 9/8/2010 2:43:51 PM |
| brightest-affluence-motivator | $75.11 | $75.11 | 9/8/2010 2:43:52 PM |
| bchen78875 | $25.00 | $25.00 | 9/8/2010 2:45:15 PM |
| heerzaquestion | $25.00 | $25.00 | 9/8/2010 3:28:46 PM |
| HAVEANICEDAY | $25.00 | $25.00 | 9/8/2010 3:52:31 PM |
| green-exchange-cannon | $25.00 | $25.00 | 9/8/2010 4:24:14 PM |
| AK49-JW | $25.00 | $25.00 | 9/8/2010 6:52:36 PM |
| first-restless-payout | $50.00 | $50.00 | 9/8/2010 9:18:28 PM |
| honorable-yield | $50.00 | $50.00 | 9/8/2010 9:52:22 PM |
| Binan | $25.00 | $25.00 | 9/9/2010 2:43:11 AM |
| smart-return | $25.00 | $25.00 | 9/9/2010 6:52:27 AM |
| flexible-duty3 | $25.00 | $25.00 | 9/9/2010 7:20:46 AM |
| patriot897 | $50.00 | $50.00 | 9/9/2010 10:20:38 AM |
| first-liberty-duckling | $50.00 | $50.00 | 9/9/2010 10:45:24 AM |
| Ven58 | $25.00 | $25.00 | 9/9/2010 1:34:13 PM |
| Investoman | $50.00 | $50.00 | 9/9/2010 1:35:27 PM |
| Marathoner | $50.00 | $50.00 | 9/9/2010 1:32:51 PM |
| gracej | $25.00 | $25.00 | 9/9/2010 1:34:21 PM |
| commanding-openness | $62.00 | $62.00 | 9/9/2010 1:49:12 PM |
| osage | $25.00 | $25.00 | 9/9/2010 2:11:12 PM |
| rogue_monster | $50.00 | $50.00 | 9/9/2010 2:32:09 PM |
| raisingophelia | $25.00 | $25.00 | 9/9/2010 2:57:08 PM |
| zorg77 | $25.00 | $25.00 | 9/9/2010 2:57:32 PM |
| dcap3 | $58.91 | $58.91 | 9/9/2010 2:56:00 PM |
| kind-adventurous-finance | $25.00 | $25.00 | 9/9/2010 2:59:55 PM |
| funds-rascal | $75.00 | $75.00 | 9/9/2010 3:13:00 PM |
| rdrloan | $50.00 | $50.00 | 9/9/2010 3:53:31 PM |
| Loan_shark718 | $50.00 | $50.00 | 9/9/2010 5:13:24 PM |
| wwwUniversal | $25.00 | $25.00 | 9/9/2010 5:21:16 PM |
| clean-fund | $25.00 | $25.00 | 9/9/2010 6:09:47 PM |
| trustworthy-money2 | $25.00 | $25.00 | 9/9/2010 7:10:36 PM |
| orbital-dollar2 | $25.00 | $25.00 | 9/9/2010 7:49:59 PM |
| glc527 | $35.14 | $35.14 | 9/9/2010 10:59:59 PM |
| Lender97 | $25.00 | $25.00 | 9/9/2010 10:55:50 PM |
| HaniaGroup | $25.00 | $25.00 | 9/10/2010 3:02:10 AM |
| lakefront5 | $60.00 | $60.00 | 9/10/2010 6:27:50 AM |
| harmonious-yield | $25.00 | $25.00 | 9/10/2010 9:47:38 AM |
| vulgy | $25.00 | $25.00 | 9/10/2010 11:59:54 AM |
| lawyervon | $25.00 | $25.00 | 9/10/2010 12:24:22 PM |
| yield-quest | $125.00 | $125.00 | 9/10/2010 12:40:45 PM |
| SC2TX | $100.00 | $100.00 | 9/10/2010 2:04:56 PM |
| HealthyWealthNow | $25.00 | $25.00 | 9/10/2010 9:16:23 PM |
| kccameo | $25.00 | $25.00 | 9/11/2010 7:11:12 AM |
| yerkster1 | $30.00 | $30.00 | 9/11/2010 5:23:43 AM |
| Saleen06 | $39.72 | $39.72 | 9/11/2010 9:16:40 AM |
| established-hope5 | $25.00 | $25.00 | 9/11/2010 8:16:50 PM |
| mraleig | $100.00 | $100.00 | 9/11/2010 5:14:03 PM |
| Castelj | $40.00 | $40.00 | 9/12/2010 11:22:21 AM |
| loanman2007 | $50.00 | $50.00 | 9/12/2010 11:49:14 AM |
| 169 bids
|
Borrower Payment Dependent Notes Series
474575
This series of Notes was issued and sold upon the funding of the borrower loan #44425, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $5,000.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.2% |
Auction start date:
| Sep-07-2010 |
| |
Auction end date:
| Sep-14-2010 |
|
|
Starting lender yield:
| 33.35% |
Starting borrower rate/APR:
| 34.35% / 38.06% |
Starting monthly payment:
| $224.34 |
|
Final lender yield:
| 20.00% |
Final borrower rate/APR:
| 21.00% / 24.41% |
Final monthly payment:
| $188.38 |
| |
|
Auction yield range:
| 13.79% - 33.35% |
Estimated loss impact:
| 15.09% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 4.91% | | |
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 score (1-10):
| 6 |
First credit line:
| Nov-1990 |
Debt/Income ratio:
| 24% |
|
Credit score:
| 680-699 (Aug-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
10 | Length of status: | 6y 0m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 22 |
Occupation: | Truck Driver |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $26,490 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 69% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| Catz_aplenty |
Borrower's state:
| Illinois |
Borrower's group:
| LendersClub |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 9 ( 100% )
| 680-699 (Latest)
|
|
Principal borrowed:
| $2,000.00 | < 31 days late:
| 0
( 0% )
| 700-719
(Nov-2009)
|
|
Principal balance:
| $1,080.84 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 9 | | |
Description
Pay-off COMPLETED Rental Rehab
Purpose of loan:
Recently completed majority of work on large two-story, (3) unit property I purchased in June ?09, located across the street from my residence. (See pictures.)? To complete the project, I made multiple purchases from LOWES and MENARDS - most of which were made using their respective NO INTEREST plans. Several of the plans are coming due in the near future. This loan will allow me to zero out (1) of these accounts (which will prevent the deferred interest from being charged, as well as the resultant 24% interest rates), pay off two additional smaller accounts, and substantially pay?down a fourth.
For obvious reasons, your assistance would be very much appreciated! Thank you!
One of?the two smaller accounts to be paid off is (also) a deferred interest account from Dell. I used it to purchase two laptop computers for friends to enable each to take on-line classes; more readily look for employment, and maintain contact with family. Given the condition of the economy, and the situations that they were in, I felt both could benefit from a helping hand.
My financial situation:
This will be my second loan with Prosper. I am on the automated payment plan with the 1st loan, but often make a larger-than-required payment well before the due date. I will also be on the automated payment plan for this loan. I am very conscientious about my responsibilities and believe in paying ALL debts. (I?m mostly at a loss as to why I?ve gone from an ?A? to an ?E? when very little has changed since my prior listing.)
I am also an on-going investor with Prosper. To date, I have supported ~50 loans with a total value of over $1300. As a fellow lender, I am hopeful that this loan will receive full-funding with an interest rate in the 10-12% range. Again, my many thanks!
Monthly net income: $2400. (from my job as a driver. My (4) rental properties are essentially self-sustaining.)
Monthly expenses: $ 2050.
Housing: $ 530 (includes escrow for taxes/insurance)
Insurance: $ 44 (term life)
Car expenses: $ 100 (paid for, insurance, minimal driving)
Utilities: $ 250
Phone, cable, internet: $ 80
Food, entertainment: $ 300
Clothing, household expenses $ 100
Credit cards and other loans: $ 600
Information in the Description is not verified.
Friends And Family Winning Bids
JGuide has bid a total of
$203.98 in winning bids.
"Group member, vetted, 680+ Credit score, prior bowwer and Lender with over $1.3k invested on this site!"
friends and family winning bid
Information in Questions and Answers is not verified
Questions & Answers
Q:
Hi there, could you explain the high revolving credit balance? Thanks and good luck with this loan. - green-rapid-openness
A:
Good morning, Approx. $9.5k of it is remaining balance on HELOC (~4%) used to replace roof of my residence along w/$4k of plumbing work on it & 2 other properties. (It was not a good year.) An additional $8k resulted from newest property needing substantially more work than anticipated. Thanks for your question & support.
(Sep-08-2010)
Q:
Hi, what is the maximum interest rate you will accept for this loan? Thanks. - interest88
A:
Good afternoon, I'm not fully-decided on what my cut-off will be. I know the rates of the accounts that I intend to pay-off are 18.9 - 24.9. Based on my prior loan repayment record and on-going support of Prosper, I am hopeful it will end up in the 10-15% range. Thanks for the question, and any support you might provide.
(Sep-08-2010)
Q:
Did you know there is a bid floor on this listing? I can't bid lower than about 13%. - Jinja
A:
Good morning, Thanks for pointing out the bidding floor. I've been told that once the listing has gone 'live' it is locked in. It seems to me, however, that I've also encountered it (when trying to bid on other loans). I believe it can/will move downward once a loan is fully-funded and the over-all rate begins to decline. Hopefully it IS the latter, but either way... thanks for your support!
(Sep-09-2010)
Q:
Do you have tenants in the rental units yet? Are their rents sufficient to cover your mortgage, taxes, insurance, and utilities (if applicable) on the rental property? - burnfromwithin
A:
Good afternoon. There are four properties with 7(/8*) units total. Yes, everything is rented. Total Rents: $3675. Total approximate expenses: $3210, broken down as shown >>
Mortgages, $1740; Taxes, $600; Insurance, $320; Utilities, $550**. *(2) unit duplex rented as one. **From two properties; the utils of the other two are covered by tenents. Oldest tenant around since ~'99, several others for ~3 years. Properties well kept, rented for reasonable $, trying to keep neighborhood decent.
(Sep-10-2010)
Q:
FYI - Your credit score drop is likely due to your over utilization of your CC's. - vulgy
A:
Good afternoon. Yes, I know (and understand) the reason for the reduction of my credit score; I can't argue with that at all. I simply wonder why it drops me all the way from an 'A' to an 'E' within the Prosper system - especially with my payment history here-to-date. For what it's worth, this was my first foray into a 2-story property, and as such presented many obstacles I hadn't considered. Fortunately, it's now completed (insert BIG SIGH! here), and I'm just trying to restructure a bit.
(Sep-10-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| chevy92 | $48.02 | $48.02 | 9/7/2010 3:51:14 PM |
| alexgalt | $100.00 | $100.00 | 9/8/2010 5:47:17 AM |
| loanman2007 | $300.00 | $300.00 | 9/8/2010 7:37:07 AM |
| Jinja | $70.00 | $70.00 | 9/8/2010 2:18:09 PM |
| BAEVentures | $25.00 | $25.00 | 9/8/2010 2:39:33 PM |
| hellasow | $50.00 | $50.00 | 9/9/2010 6:48:06 PM |
| KSgirl89 | $69.40 | $69.40 | 9/9/2010 10:23:32 PM |
| vulgy | $25.00 | $25.00 | 9/10/2010 12:09:19 PM |
| power-comet4 | $25.00 | $25.00 | 9/11/2010 4:51:05 PM |
| ORcowboy | $250.00 | $250.00 | 9/11/2010 2:25:38 PM |
| wlm3012 | $25.00 | $25.00 | 9/12/2010 9:28:08 AM |
| credit-missile | $25.00 | $25.00 | 9/12/2010 10:11:36 PM |
| head | $25.00 | $25.00 | 9/12/2010 11:52:28 PM |
| gpuck | $100.00 | $100.00 | 9/13/2010 12:27:31 AM |
| credit-missile | $25.00 | $25.00 | 9/12/2010 10:10:26 PM |
| catnip007 | $25.02 | $25.02 | 9/12/2010 8:52:03 PM |
| dammage | $35.86 | $35.86 | 9/13/2010 6:04:31 AM |
| credit-missile | $25.00 | $25.00 | 9/12/2010 10:11:58 PM |
| coldfuzion | $35.46 | $35.46 | 9/13/2010 9:55:48 AM |
| tieshuanpan | $25.00 | $25.00 | 9/13/2010 9:07:08 PM |
| enchanted-silver2 | $25.00 | $25.00 | 9/14/2010 3:18:25 AM |
| Eaglehigh | $25.00 | $25.00 | 9/14/2010 5:33:24 AM |
| Kash2010lu | $25.00 | $25.00 | 9/14/2010 6:41:25 AM |
| rockhound84 | $25.00 | $25.00 | 9/14/2010 2:22:33 AM |
| gpuck | $100.00 | $100.00 | 9/14/2010 4:31:51 AM |
| dough-rocket | $25.00 | $25.00 | 9/14/2010 10:44:59 AM |
| Kennfusion | $33.00 | $33.00 | 9/14/2010 11:40:49 AM |
| Huck007 | $750.00 | $183.36 | 9/14/2010 9:58:18 AM |
| FinanceGuy123 | $35.50 | $35.50 | 9/14/2010 10:28:20 AM |
| farchoir | $25.00 | $25.00 | 9/14/2010 10:52:32 AM |
| DasMula | $25.00 | $25.00 | 9/14/2010 1:25:34 PM |
| lostperception | $25.16 | $25.16 | 9/7/2010 2:33:15 PM |
| Jinja | $50.00 | $50.00 | 9/7/2010 2:39:26 PM |
| JGuide | $101.99 | $101.99 | 9/7/2010 5:28:24 PM |
| nimcha | $50.00 | $50.00 | 9/8/2010 4:06:49 PM |
| CoolPlexer | $25.00 | $25.00 | 9/8/2010 5:49:02 PM |
| KirosPOS | $150.00 | $150.00 | 9/8/2010 9:04:53 PM |
| lendstats_com | $500.00 | $500.00 | 9/8/2010 9:00:37 PM |
| enthusiastic-balance5 | $300.00 | $300.00 | 9/9/2010 7:42:49 AM |
| goffmt | $81.48 | $81.48 | 9/9/2010 7:48:31 AM |
| dlg | $33.33 | $33.33 | 9/9/2010 9:35:43 AM |
| PrepWonder | $80.00 | $80.00 | 9/9/2010 12:21:07 PM |
| BAEVentures | $25.00 | $25.00 | 9/9/2010 1:46:31 PM |
| Bait989 | $50.00 | $50.00 | 9/9/2010 8:19:27 PM |
| Nailman88 | $50.00 | $50.00 | 9/10/2010 4:10:47 AM |
| EEasyMoney | $25.00 | $25.00 | 9/10/2010 6:56:55 AM |
| lenderrn | $43.37 | $43.37 | 9/10/2010 7:10:10 AM |
| Octamer | $75.00 | $75.00 | 9/10/2010 7:12:16 AM |
| halothane_logic | $25.00 | $25.00 | 9/10/2010 9:15:44 AM |
| burnfromwithin | $25.00 | $25.00 | 9/10/2010 1:18:14 PM |
| matthewa | $25.00 | $25.00 | 9/10/2010 6:18:29 PM |
| JGuide | $101.99 | $101.99 | 9/10/2010 5:15:43 PM |
| attractive-rate | $25.00 | $25.00 | 9/10/2010 7:49:47 PM |
| proton346 | $25.00 | $25.00 | 9/11/2010 1:39:38 AM |
| autonomous-power | $35.00 | $35.00 | 9/11/2010 11:07:31 PM |
| LARRY4NY | $25.00 | $25.00 | 9/12/2010 7:52:25 AM |
| productive-ore | $50.00 | $50.00 | 9/12/2010 2:05:19 PM |
| credit-missile | $25.00 | $25.00 | 9/12/2010 10:10:49 PM |
| tacologic | $25.00 | $25.00 | 9/12/2010 9:39:09 PM |
| credit-missile | $25.00 | $25.00 | 9/12/2010 10:11:13 PM |
| credit-missile | $25.00 | $25.00 | 9/12/2010 10:10:07 PM |
| bull_lender | $25.00 | $25.00 | 9/13/2010 7:06:53 AM |
| integrity-broker | $25.00 | $25.00 | 9/13/2010 7:21:31 AM |
| loanman2007 | $100.00 | $100.00 | 9/13/2010 9:04:26 AM |
| Only_Money | $25.00 | $25.00 | 9/13/2010 6:09:30 AM |
| WonByOne | $50.00 | $50.00 | 9/13/2010 10:43:14 AM |
| Barrayaran | $25.00 | $25.00 | 9/13/2010 11:59:04 AM |
| RebuildingAmerica | $50.00 | $50.00 | 9/13/2010 5:17:42 PM |
| rustysailor | $25.00 | $25.00 | 9/14/2010 1:16:28 AM |
| BrighterSuns | $25.00 | $25.00 | 9/14/2010 5:06:14 AM |
| dammage | $27.06 | $27.06 | 9/14/2010 5:59:40 AM |
| WonByOne | $50.00 | $50.00 | 9/14/2010 8:03:44 AM |
| rockhound84 | $25.00 | $25.00 | 9/14/2010 9:01:34 AM |
| corporatejim | $35.00 | $35.00 | 9/14/2010 10:21:30 AM |
| Leshan | $150.00 | $150.00 | 9/14/2010 8:48:18 AM |
| Molson Bank & Trust | $50.00 | $50.00 | 9/14/2010 10:08:22 AM |
| p2ploan-sensation211 | $50.00 | $50.00 | 9/14/2010 11:27:36 AM |
| Feyenoord | $25.00 | $25.00 | 9/14/2010 1:38:33 PM |
| rmpedi33 | $25.00 | $25.00 | 9/14/2010 1:48:37 PM |
| grampy48 | $25.00 | $25.00 | 9/14/2010 2:13:53 PM |
| halothane_logic | $175.00 | $175.00 | 9/14/2010 1:11:47 PM |
| DasMula | $25.00 | $25.00 | 9/14/2010 1:25:05 PM |
| DasMula | $25.00 | $25.00 | 9/14/2010 1:25:20 PM |
| Kash2010lu | $25.00 | $25.00 | 9/14/2010 2:20:14 PM |
| 84 bids
|
Borrower Payment Dependent Notes Series
474595
This series of Notes was issued and sold upon the funding of the borrower loan #44399, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $15,000.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 1.3% |
Auction start date:
| Sep-07-2010 |
| |
Auction end date:
| Sep-14-2010 |
|
|
Starting lender yield:
| 7.25% |
Starting borrower rate/APR:
| 8.25% / 8.59% |
Starting monthly payment:
| $471.78 |
|
Final lender yield:
| 6.85% |
Final borrower rate/APR:
| 7.85% / 8.19% |
Final monthly payment:
| $469.01 |
| |
|
Auction yield range:
| 2.79% - 7.25% |
Estimated loss impact:
| 1.30% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.55% | | |
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 score (1-10):
| 10 |
First credit line:
| Jul-1996 |
Debt/Income ratio:
| 5% |
|
Credit score:
| 760-779 (Sep-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
10 | Length of status: | 7y 2m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 27 |
Occupation: | Accountant/CPA |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $7,558 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 23% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| Zenith35 |
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.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 3 |
On-time:
| 27 ( 100% )
| 760-779 (Latest)
|
|
Principal borrowed:
| $6,000.00 | < 31 days late:
| 0
( 0% )
| 760-779
(Nov-2009)
720-739
(Aug-2008)
740-759
(Jan-2008)
720-739
(Nov-2006)
|
|
Principal balance:
| $0.01 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 27 | | |
Description
Rental property repairs
I am an investment banker who works in New York?City and I?have been at the same firm for?7+ years.? I am also currently a Lender.? I have substantial assets but with the recent stock market downturn I don't want to liquidate my current holdings.? I would like to use these borrowed funds to do some minor repairs on the?five investment properties I own.
My financial position is as follows:
Monthly Income: approx. $13,000 (this is my average 2010 monthly income, it's somewhat lumpy since I get approximately?1/3 of my income as a bonus in February)
Monthly Expenses: $5,000
Total Assets: Approx. $346,000
Total Debt: Approx. $29,000 (I only have?a student loan and basic revolving credit card debt)
I incurred the student loan when I went back to school?10 years ago to get my MBA, the best investment I ever made in myself.
I have started a real estate investment firm with two other partners.? We currently own rental properties in NC and NJ.? I am personally guaranteeing these?mortgages along with my other partners.? I have equity of approximately $114,000 in this firm which I included in my assets above.
If anyone has any questions, please feel free to ask.
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:
Hi, If you don't mind me asking, do you have your properties rented at this time? Is there enough money coming in from your investments to cover additional expenses incured by the properties? Thanks. - Earnest_Money
A:
All except one are rented. The unrented one just went vacant 9/1 but I expect to have it rented by months end. All the properties are quite cash positive due to very low leverage. My life long career has been real estate so I have learned how to manage my investments without getting greedy or putting my financial health at risk. Thanks for the question.
(Sep-08-2010)
Q:
Hello. Please describe the repairs that you will be making on your rental property. Are you putting any of your own money into these repairs? Thank you. - CARedBull
A:
No, I am using these funds for the repairs only. Minor updates like replacing appliances and putting in some hardwood floors.
(Sep-09-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| kenji4861 | $25.00 | $25.00 | 9/7/2010 2:27:27 PM |
| ray1051 | $25.00 | $25.00 | 9/7/2010 2:27:53 PM |
| kulender | $25.00 | $25.00 | 9/7/2010 2:27:57 PM |
| schpere | $25.00 | $25.00 | 9/7/2010 2:27:35 PM |
| mlopez2007 | $25.00 | $25.00 | 9/7/2010 2:28:10 PM |
| wormdc | $25.00 | $25.00 | 9/7/2010 2:28:09 PM |
| alpinaut | $25.00 | $25.00 | 9/7/2010 2:28:23 PM |
| platinum-genetics | $25.00 | $25.00 | 9/7/2010 2:28:30 PM |
| dontscrewmeover1 | $25.00 | $25.00 | 9/7/2010 2:28:31 PM |
| cheftek | $50.00 | $50.00 | 9/7/2010 2:28:37 PM |
| DonaldColorado | $25.00 | $25.00 | 9/7/2010 2:29:15 PM |
| life-is-great | $50.00 | $50.00 | 9/7/2010 2:30:12 PM |
| elasermd | $50.00 | $50.00 | 9/7/2010 2:30:21 PM |
| dlshap | $25.00 | $25.00 | 9/7/2010 2:30:30 PM |
| credit-shakespeare9 | $50.00 | $50.00 | 9/7/2010 2:30:55 PM |
| financelover | $25.00 | $25.00 | 9/7/2010 2:30:47 PM |
| Algaes | $25.00 | $25.00 | 9/7/2010 2:29:03 PM |
| jazzlender | $25.00 | $25.00 | 9/7/2010 2:32:08 PM |
| CleeClee | $50.00 | $50.00 | 9/7/2010 2:32:12 PM |
| hottogo456 | $50.00 | $50.00 | 9/7/2010 2:32:27 PM |
| diplomatic-wealth7 | $100.00 | $100.00 | 9/7/2010 2:32:22 PM |
| orange-resolute-platinum | $25.00 | $25.00 | 9/7/2010 2:32:24 PM |
| investment-network | $25.00 | $25.00 | 9/7/2010 2:32:47 PM |
| HelpFromNY | $50.00 | $50.00 | 9/7/2010 2:30:25 PM |
| MadHun | $100.00 | $100.00 | 9/7/2010 2:32:59 PM |
| Ocean713 | $50.00 | $50.00 | 9/7/2010 2:33:38 PM |
| GD68 | $25.00 | $25.00 | 9/7/2010 2:31:14 PM |
| proper-p2p6 | $50.00 | $50.00 | 9/7/2010 2:33:44 PM |
| nuclearmoose | $25.00 | $25.00 | 9/7/2010 2:33:58 PM |
| flexible-integrity7 | $50.00 | $50.00 | 9/7/2010 2:33:52 PM |
| moneyfriend | $50.00 | $50.00 | 9/7/2010 2:34:12 PM |
| successful-wealth7 | $25.00 | $25.00 | 9/7/2010 2:32:04 PM |
| consomedia | $50.00 | $50.00 | 9/7/2010 2:34:10 PM |
| important-ore | $50.00 | $50.00 | 9/7/2010 2:34:19 PM |
| loanfairy | $25.00 | $25.00 | 9/7/2010 2:34:36 PM |
| balance6 | $25.00 | $25.00 | 9/7/2010 2:34:51 PM |
| VBAces | $50.00 | $50.00 | 9/7/2010 2:32:29 PM |
| cebgop | $25.00 | $25.00 | 9/7/2010 2:34:59 PM |
| CorMDNY | $50.00 | $50.00 | 9/7/2010 2:34:56 PM |
| Rdodson11 | $25.00 | $25.00 | 9/7/2010 2:35:00 PM |
| nosualcneas | $25.00 | $25.00 | 9/7/2010 2:32:57 PM |
| liederhaus | $50.00 | $50.00 | 9/7/2010 2:33:18 PM |
| GElender | $50.00 | $50.00 | 9/7/2010 2:33:25 PM |
| DeesBar | $25.00 | $25.00 | 9/7/2010 2:33:50 PM |
| BlindProphet | $50.00 | $50.00 | 9/7/2010 2:34:02 PM |
| pakrbkr | $25.00 | $25.00 | 9/7/2010 2:34:15 PM |
| senorzookeeper | $25.00 | $25.00 | 9/7/2010 2:34:30 PM |
| bdloans | $25.00 | $25.00 | 9/7/2010 2:37:49 PM |
| Zarf | $50.00 | $50.00 | 9/7/2010 2:38:23 PM |
| CaptainBlueberry | $25.00 | $25.00 | 9/7/2010 2:38:55 PM |
| Ripsaw4U | $50.00 | $50.00 | 9/7/2010 2:38:30 PM |
| morpholog | $25.00 | $25.00 | 9/7/2010 2:39:30 PM |
| saihu | $25.00 | $25.00 | 9/7/2010 2:39:54 PM |
| transaction-aggregator7 | $25.00 | $25.00 | 9/7/2010 2:39:01 PM |
| thoughtful-community7 | $25.00 | $25.00 | 9/7/2010 2:40:35 PM |
| CASHGIRL | $25.00 | $25.00 | 9/7/2010 2:39:52 PM |
| js60l | $25.00 | $25.00 | 9/7/2010 2:38:52 PM |
| Mickeyblu | $25.00 | $25.00 | 9/7/2010 2:40:09 PM |
| jjb3 | $25.00 | $25.00 | 9/7/2010 2:39:49 PM |
| meux99 | $50.00 | $50.00 | 9/7/2010 2:40:04 PM |
| harty | $50.00 | $50.00 | 9/7/2010 2:40:26 PM |
| Keebs | $25.00 | $25.00 | 9/7/2010 2:50:08 PM |
| happyjackbak | $25.00 | $25.00 | 9/7/2010 2:50:34 PM |
| djc314 | $50.00 | $50.00 | 9/7/2010 2:50:54 PM |
| meenan | $25.00 | $25.00 | 9/7/2010 2:52:07 PM |
| the-money-gargantuan | $25.00 | $25.00 | 9/7/2010 2:52:28 PM |
| hookUup | $25.00 | $25.00 | 9/7/2010 2:52:12 PM |
| frankdelraza | $25.00 | $25.00 | 9/7/2010 2:52:31 PM |
| majormoves1 | $25.00 | $25.00 | 9/7/2010 2:52:37 PM |
| mistertao | $25.00 | $25.00 | 9/7/2010 2:52:44 PM |
| djh47a | $25.00 | $25.00 | 9/7/2010 2:53:01 PM |
| MAJESTIC5 | $50.00 | $50.00 | 9/7/2010 2:53:32 PM |
| Sixmil | $25.00 | $25.00 | 9/7/2010 2:52:56 PM |
| syounker | $25.00 | $25.00 | 9/7/2010 2:52:33 PM |
| fiscal65 | $25.00 | $25.00 | 9/7/2010 2:53:47 PM |
| MTLoans | $25.00 | $25.00 | 9/7/2010 2:54:12 PM |
| danthemon35 | $25.00 | $25.00 | 9/7/2010 2:54:57 PM |
| natmonkey | $50.00 | $50.00 | 9/7/2010 2:55:33 PM |
| safe-finance | $25.00 | $25.00 | 9/7/2010 2:56:31 PM |
| first-pragmatic-note | $50.00 | $50.00 | 9/7/2010 2:57:00 PM |
| looney-toon | $25.00 | $25.00 | 9/7/2010 2:57:08 PM |
| ingenious-order783 | $25.00 | $25.00 | 9/7/2010 2:57:12 PM |
| Artist_Blue | $25.00 | $25.00 | 9/7/2010 2:57:30 PM |
| eighttone | $25.00 | $25.00 | 9/7/2010 2:56:30 PM |
| alaco | $25.00 | $25.00 | 9/7/2010 2:57:40 PM |
| wealthstar | $50.00 | $50.00 | 9/7/2010 2:56:48 PM |
| AFairDeal | $25.00 | $25.00 | 9/7/2010 2:56:52 PM |
| winlender | $25.00 | $25.00 | 9/7/2010 2:56:55 PM |
| nostromo | $50.00 | $50.00 | 9/7/2010 2:56:58 PM |
| mizount | $25.00 | $25.00 | 9/7/2010 2:57:06 PM |
| ferocious-exchange3 | $50.00 | $50.00 | 9/7/2010 2:57:04 PM |
| ChristopherHS | $25.00 | $25.00 | 9/7/2010 2:58:10 PM |
| Kerrysbay | $50.00 | $50.00 | 9/7/2010 2:58:12 PM |
| lender987654321 | $50.00 | $50.00 | 9/7/2010 2:59:47 PM |
| Loansforlife | $50.00 | $50.00 | 9/7/2010 2:59:58 PM |
| community-pipeline8 | $50.00 | $50.00 | 9/7/2010 3:00:57 PM |
| jayhawk1000 | $25.00 | $25.00 | 9/7/2010 3:02:09 PM |
| Philosonie | $25.00 | $25.00 | 9/7/2010 3:01:40 PM |
| TexasLender2007 | $25.00 | $25.00 | 9/7/2010 3:02:03 PM |
| trade-pragmatist | $50.00 | $50.00 | 9/7/2010 3:02:08 PM |
| Taxman44 | $50.00 | $50.00 | 9/7/2010 3:02:13 PM |
| Stafo | $50.00 | $50.00 | 9/7/2010 3:02:24 PM |
| thunderkiss | $25.00 | $25.00 | 9/7/2010 3:02:08 PM |
| community-saver158 | $50.00 | $50.00 | 9/7/2010 3:02:14 PM |
| the-profit-worker | $50.00 | $50.00 | 9/7/2010 3:02:30 PM |
| MiniBank998 | $25.00 | $25.00 | 9/7/2010 3:04:35 PM |
| IIP77 | $25.00 | $25.00 | 9/7/2010 3:13:58 PM |
| wise-silver-wonder | $25.00 | $25.00 | 9/7/2010 3:15:04 PM |
| TennSquire | $25.00 | $25.00 | 9/7/2010 3:04:54 PM |
| unclejaef | $25.00 | $25.00 | 9/7/2010 3:05:01 PM |
| nicklds | $50.00 | $50.00 | 9/7/2010 3:15:53 PM |
| jasonj72 | $25.00 | $25.00 | 9/7/2010 3:05:03 PM |
| Kijib | $25.00 | $25.00 | 9/7/2010 3:14:00 PM |
| bchen78875 | $50.00 | $50.00 | 9/7/2010 3:14:06 PM |
| payment-gusto | $25.00 | $25.00 | 9/7/2010 3:14:25 PM |
| Attract | $25.00 | $25.00 | 9/7/2010 3:14:44 PM |
| KiwiElf | $40.00 | $40.00 | 9/7/2010 3:15:13 PM |
| divedude | $50.00 | $50.00 | 9/7/2010 3:15:11 PM |
| debnac170 | $50.00 | $50.00 | 9/7/2010 3:52:16 PM |
| open-minded-credit4 | $25.00 | $25.00 | 9/7/2010 3:33:43 PM |
| rmpedi33 | $100.00 | $100.00 | 9/7/2010 4:35:15 PM |
| paladin847 | $50.00 | $50.00 | 9/7/2010 5:11:45 PM |
| versatile-platinum4 | $25.00 | $25.00 | 9/7/2010 5:23:15 PM |
| charlie-ann | $50.00 | $50.00 | 9/7/2010 5:27:57 PM |
| LenderByDay | $25.00 | $25.00 | 9/7/2010 5:14:37 PM |
| blot44 | $25.00 | $25.00 | 9/7/2010 7:32:28 PM |
| Preteur | $25.00 | $25.00 | 9/7/2010 10:54:07 PM |
| duty-windmill | $25.00 | $25.00 | 9/7/2010 10:03:20 PM |
| ryreesado | $25.00 | $25.00 | 9/7/2010 10:56:10 PM |
| dartmouth99 | $25.00 | $25.00 | 9/7/2010 10:53:48 PM |
| Vreet | $25.44 | $25.44 | 9/7/2010 10:54:38 PM |
| Digs | $25.00 | $25.00 | 9/7/2010 10:53:10 PM |
| Futurero | $25.00 | $25.00 | 9/7/2010 10:55:40 PM |
| just-benefit | $25.00 | $25.00 | 9/7/2010 11:14:26 PM |
| aasx1108 | $25.00 | $25.00 | 9/7/2010 11:18:06 PM |
| linklady | $29.27 | $29.27 | 9/7/2010 11:33:52 PM |
| JGB | $31.66 | $31.66 | 9/7/2010 11:18:43 PM |
| virtualbank | $25.00 | $25.00 | 9/7/2010 11:23:51 PM |
| OskiVentures | $50.00 | $50.00 | 9/8/2010 2:57:17 AM |
| yachey | $25.00 | $25.00 | 9/8/2010 4:53:42 AM |
| auction-sage | $25.00 | $25.00 | 9/8/2010 7:42:24 AM |
| marketplace-cello5 | $25.91 | $25.91 | 9/8/2010 9:27:09 AM |
| woodenshoes | $25.00 | $25.00 | 9/8/2010 9:22:47 AM |
| bridgeguy | $25.00 | $25.00 | 9/8/2010 9:32:43 AM |
| DavenportCapital | $25.00 | $25.00 | 9/8/2010 9:43:58 AM |
| cello1 | $25.00 | $25.00 | 9/8/2010 9:33:05 AM |
| sunshine1121 | $25.00 | $25.00 | 9/8/2010 9:43:21 AM |
| jasperpants | $25.00 | $25.00 | 9/8/2010 9:43:43 AM |
| cyonamine | $25.00 | $25.00 | 9/8/2010 9:53:02 AM |
| smmgnn99 | $25.00 | $25.00 | 9/8/2010 10:42:09 AM |
| JohnBanks | $25.00 | $25.00 | 9/8/2010 10:50:13 AM |
| LenderIntegrity24 | $50.00 | $50.00 | 9/8/2010 11:37:53 AM |
| labate | $25.00 | $25.00 | 9/8/2010 11:37:54 AM |
| alexstar | $25.00 | $25.00 | 9/8/2010 12:07:14 PM |
| Rivervale_Westwood | $25.00 | $25.00 | 9/8/2010 12:43:26 PM |
| dickiesweetboy | $40.96 | $40.96 | 9/8/2010 1:52:11 PM |
| determined-deal7 | $25.00 | $25.00 | 9/8/2010 2:24:59 PM |
| green-exchange-cannon | $25.00 | $25.00 | 9/8/2010 3:43:58 PM |
| credit-sycamore4 | $200.00 | $200.00 | 9/9/2010 9:09:56 PM |
| Nailman88 | $25.00 | $25.00 | 9/10/2010 4:05:31 AM |
| ultimate-loan8 | $29.84 | $29.84 | 9/10/2010 4:47:28 AM |
| Rearden_Steel | $25.00 | $25.00 | 9/10/2010 6:40:06 AM |
| quantumwellguy | $50.00 | $50.00 | 9/10/2010 8:02:19 AM |
| heerzaquestion | $50.00 | $50.00 | 9/10/2010 8:08:59 AM |
| ralf206 | $28.41 | $28.41 | 9/10/2010 7:57:47 AM |
| halothane_logic | $100.00 | $100.00 | 9/10/2010 9:51:02 AM |
| LawyerLoan | $25.00 | $25.00 | 9/10/2010 11:00:00 AM |
| CreditBuilder2 | $100.00 | $100.00 | 9/10/2010 5:24:27 PM |
| widowsmite | $250.00 | $250.00 | 9/10/2010 6:36:04 PM |
| yerkster1 | $25.34 | $25.34 | 9/11/2010 5:30:08 AM |
| RememberToForget | $44.08 | $44.08 | 9/11/2010 7:12:16 AM |
| Dollars4Rent | $25.00 | $25.00 | 9/11/2010 8:48:47 AM |
| geophreigh | $25.00 | $25.00 | 9/11/2010 7:50:37 AM |
| surfsider123 | $25.00 | $25.00 | 9/11/2010 1:41:02 PM |
| Light_Verity | $500.00 | $500.00 | 9/11/2010 11:56:47 PM |
| intelligent-platinum1 | $25.00 | $25.00 | 9/12/2010 2:19:52 PM |
| nickel-demon2 | $163.99 | $163.99 | 9/12/2010 5:52:34 PM |
| availableloan | $25.00 | $25.00 | 9/13/2010 11:20:32 PM |
| Tiger6543 | $25.00 | $25.00 | 9/14/2010 12:15:50 AM |
| act943 | $100.00 | $100.00 | 9/14/2010 12:52:28 AM |
| RichDadPoorDad | $25.00 | $25.00 | 9/14/2010 12:14:55 AM |
| jmainc | $25.00 | $25.00 | 9/14/2010 9:01:39 AM |
| p2p-eagle9 | $25.00 | $25.00 | 9/14/2010 9:59:19 AM |
| kevdigital | $26.59 | $26.59 | 9/14/2010 2:00:51 PM |
| cash-sensai2 | $25.00 | $25.00 | 9/7/2010 2:28:05 PM |
| DukSerduk | $25.00 | $25.00 | 9/7/2010 2:28:19 PM |
| guardlender | $25.00 | $25.00 | 9/7/2010 2:28:29 PM |
| bountiful-durability | $100.00 | $100.00 | 9/7/2010 2:28:33 PM |
| dionysus03 | $50.00 | $50.00 | 9/7/2010 2:28:39 PM |
| clean-loyalty | $25.00 | $25.00 | 9/7/2010 2:28:40 PM |
| cash-boots | $25.00 | $25.00 | 9/7/2010 2:29:06 PM |
| windfall46 | $25.00 | $25.00 | 9/7/2010 2:29:14 PM |
| Weaverville | $50.00 | $50.00 | 9/7/2010 2:29:23 PM |
| Supernick | $50.00 | $50.00 | 9/7/2010 2:30:32 PM |
| wise-dedicated-power | $50.00 | $50.00 | 9/7/2010 2:28:14 PM |
| Duchdad | $25.00 | $25.00 | 9/7/2010 2:30:59 PM |
| CorporateT00l | $50.00 | $50.00 | 9/7/2010 2:31:02 PM |
| mwfarmkid | $50.00 | $50.00 | 9/7/2010 2:28:38 PM |
| liberty-destiny3 | $25.00 | $25.00 | 9/7/2010 2:31:10 PM |
| whistledicksmith | $50.00 | $50.00 | 9/7/2010 2:31:05 PM |
| engaging-worth | $30.00 | $30.00 | 9/7/2010 2:31:55 PM |
| kegs | $200.00 | $200.00 | 9/7/2010 2:31:59 PM |
| gold-commander0 | $50.00 | $50.00 | 9/7/2010 2:32:12 PM |
| harmonious-moola7 | $50.00 | $50.00 | 9/7/2010 2:32:19 PM |
| pinnacle10 | $25.00 | $25.00 | 9/7/2010 2:32:21 PM |
| agreement-sycamore | $32.00 | $32.00 | 9/7/2010 2:29:35 PM |
| ITGuy | $25.00 | $25.00 | 9/7/2010 2:32:35 PM |
| kyomoon | $50.00 | $50.00 | 9/7/2010 2:32:44 PM |
| Rysterola82 | $25.00 | $25.00 | 9/7/2010 2:32:49 PM |
| eyal0 | $25.00 | $25.00 | 9/7/2010 2:32:32 PM |
| benefit-celebration | $50.00 | $50.00 | 9/7/2010 2:32:34 PM |
| F_Banks | $50.00 | $50.00 | 9/7/2010 2:32:39 PM |
| Havana21 | $100.00 | $100.00 | 9/7/2010 2:33:11 PM |
| Ivan2007 | $50.00 | $50.00 | 9/7/2010 2:32:55 PM |
| reward-planetarium | $100.00 | $100.00 | 9/7/2010 2:30:51 PM |
| ichibon | $200.00 | $200.00 | 9/7/2010 2:33:05 PM |
| saritha | $30.00 | $30.00 | 9/7/2010 2:33:20 PM |
| organized-payment6 | $50.00 | $50.00 | 9/7/2010 2:33:09 PM |
| bigballer105 | $100.00 | $100.00 | 9/7/2010 2:33:31 PM |
| j2ee | $25.00 | $25.00 | 9/7/2010 2:31:17 PM |
| integrity-onator1 | $25.00 | $25.00 | 9/7/2010 2:33:50 PM |
| market-socrates4 | $50.00 | $50.00 | 9/7/2010 2:31:52 PM |
| rosie777 | $35.00 | $35.00 | 9/7/2010 2:33:53 PM |
| MoneyU4IA | $50.00 | $50.00 | 9/7/2010 2:33:59 PM |
| RockCrown | $50.00 | $50.00 | 9/7/2010 2:31:59 PM |
| economy-orchid | $25.00 | $25.00 | 9/7/2010 2:34:07 PM |
| top-sensible-yield | $50.00 | $50.00 | 9/7/2010 2:32:05 PM |
| TheBiggTree | $50.00 | $50.00 | 9/7/2010 2:35:08 PM |
| dharma1 | $25.00 | $25.00 | 9/7/2010 2:35:15 PM |
| kanakakm | $50.00 | $50.00 | 9/7/2010 2:33:26 PM |
| roblender | $25.00 | $25.00 | 9/7/2010 2:33:35 PM |
| Marathoner | $50.00 | $50.00 | 9/7/2010 2:33:42 PM |
| djs81 | $25.00 | $25.00 | 9/7/2010 2:34:04 PM |
| chrisb1414 | $25.00 | $25.00 | 9/7/2010 2:34:28 PM |
| Mariner3605 | $25.00 | $25.00 | 9/7/2010 2:34:40 PM |
| bayareainv | $100.00 | $100.00 | 9/7/2010 2:35:02 PM |
| Cheburashka | $30.00 | $30.00 | 9/7/2010 2:35:10 PM |
| Namrok | $25.00 | $25.00 | 9/7/2010 2:37:35 PM |
| ZeoInvestments | $25.00 | $25.00 | 9/7/2010 2:39:14 PM |
| red-trade-cologne | $50.00 | $50.00 | 9/7/2010 2:38:37 PM |
| stable-money | $25.00 | $25.00 | 9/7/2010 2:39:10 PM |
| understanding-marketplace | $50.00 | $50.00 | 9/7/2010 2:40:20 PM |
| bmcg | $25.00 | $25.00 | 9/7/2010 2:39:23 PM |
| authoritative-capital | $25.00 | $25.00 | 9/7/2010 2:40:52 PM |
| Yankeeeagle | $25.00 | $25.00 | 9/7/2010 2:39:56 PM |
| RusRobo | $25.00 | $25.00 | 9/7/2010 2:38:33 PM |
| latestone | $25.00 | $25.00 | 9/7/2010 2:40:03 PM |
| radforj22 | $100.00 | $100.00 | 9/7/2010 2:38:46 PM |
| axl163 | $25.00 | $25.00 | 9/7/2010 2:39:37 PM |
| LAKESPRING | $50.00 | $50.00 | 9/7/2010 2:39:53 PM |
| efficient-marketplace | $50.00 | $50.00 | 9/7/2010 2:50:12 PM |
| loan-selector622 | $25.00 | $25.00 | 9/7/2010 2:50:58 PM |
| jaker | $25.00 | $25.00 | 9/7/2010 2:50:39 PM |
| teller | $50.00 | $50.00 | 9/7/2010 2:51:25 PM |
| SARMAR | $50.00 | $50.00 | 9/7/2010 2:51:29 PM |
| generous-deal6 | $50.00 | $50.00 | 9/7/2010 2:51:33 PM |
| newest-sensible-hope | $50.00 | $50.00 | 9/7/2010 2:51:14 PM |
| best-ingenious-funds | $25.00 | $25.00 | 9/7/2010 2:51:20 PM |
| bruin558 | $70.00 | $70.00 | 9/7/2010 2:52:45 PM |
| rjw_mpwr | $25.00 | $25.00 | 9/7/2010 2:52:39 PM |
| lagnisiruk | $25.00 | $25.00 | 9/7/2010 2:52:48 PM |
| Topaz_John | $50.00 | $50.00 | 9/7/2010 2:52:40 PM |
| SDNLR | $25.00 | $25.00 | 9/7/2010 2:52:53 PM |
| Mantis75 | $25.00 | $25.00 | 9/7/2010 2:52:58 PM |
| lowrate | $50.00 | $50.00 | 9/7/2010 2:53:18 PM |
| zyztemboy | $25.00 | $25.00 | 9/7/2010 2:53:23 PM |
| julijask | $25.00 | $25.00 | 9/7/2010 2:54:16 PM |
| buukyak | $41.72 | $41.72 | 9/7/2010 2:55:18 PM |
| wise-dedicated-power | $50.00 | $50.00 | 9/7/2010 2:55:53 PM |
| trade-pumpkin | $35.00 | $35.00 | 9/7/2010 2:55:12 PM |
| discrete-asset | $25.00 | $25.00 | 9/7/2010 2:55:26 PM |
| commerce-voyager | $25.00 | $25.00 | 9/7/2010 2:55:32 PM |
| deal-promiser1 | $100.00 | $100.00 | 9/7/2010 2:56:43 PM |
| metro457 | $35.00 | $35.00 | 9/7/2010 2:56:45 PM |
| Octavian315 | $35.00 | $35.00 | 9/7/2010 2:56:11 PM |
| saysana | $25.00 | $25.00 | 9/7/2010 2:57:10 PM |
| degster | $25.00 | $25.00 | 9/7/2010 2:56:13 PM |
| bright-balance | $25.00 | $25.00 | 9/7/2010 2:57:21 PM |
| jstnow | $25.00 | $25.00 | 9/7/2010 2:56:35 PM |
| psa1995 | $25.00 | $25.00 | 9/7/2010 2:56:54 PM |
| acropiloterau2002 | $25.00 | $25.00 | 9/7/2010 2:58:21 PM |
| balance2 | $25.00 | $25.00 | 9/7/2010 2:57:19 PM |
| helpishere777 | $25.00 | $25.00 | 9/7/2010 2:59:20 PM |
| Railbird | $25.00 | $25.00 | 9/7/2010 2:59:50 PM |
| engaging-yield4 | $25.00 | $25.00 | 9/7/2010 2:59:41 PM |
| peerlender | $25.00 | $25.00 | 9/7/2010 2:59:55 PM |
| ritwngr | $25.00 | $25.00 | 9/7/2010 3:01:17 PM |
| wise-agile-investment | $25.00 | $25.00 | 9/7/2010 3:02:04 PM |
| deal-multiplier9 | $25.00 | $25.00 | 9/7/2010 3:02:07 PM |
| nonukem | $25.00 | $25.00 | 9/7/2010 3:02:11 PM |
| medman | $30.00 | $30.00 | 9/7/2010 3:02:58 PM |
| HunterSix | $25.00 | $25.00 | 9/7/2010 3:01:44 PM |
| mar97 | $50.00 | $50.00 | 9/7/2010 3:02:05 PM |
| trident9 | $50.00 | $50.00 | 9/7/2010 3:02:11 PM |
| lancetc | $25.00 | $25.00 | 9/7/2010 3:02:32 PM |
| tdinbranson | $50.00 | $50.00 | 9/7/2010 3:02:10 PM |
| enthusiastic-balance5 | $50.00 | $50.00 | 9/7/2010 3:03:47 PM |
| thorough-exchange4 | $40.00 | $40.00 | 9/7/2010 3:02:25 PM |
| kind-adventurous-finance | $25.00 | $25.00 | 9/7/2010 3:03:28 PM |
| Phantom99 | $25.00 | $25.00 | 9/7/2010 3:15:18 PM |
| AnxiousAirman | $50.00 | $50.00 | 9/7/2010 3:04:43 PM |
| freesia54 | $25.00 | $25.00 | 9/7/2010 3:04:48 PM |
| shrewd-peace7 | $25.00 | $25.00 | 9/7/2010 3:15:31 PM |
| timepassport | $25.00 | $25.00 | 9/7/2010 3:05:08 PM |
| hizzy | $25.00 | $25.00 | 9/7/2010 3:13:49 PM |
| kindness-percolator5 | $25.00 | $25.00 | 9/7/2010 3:14:29 PM |
| DadWarbucks | $25.00 | $25.00 | 9/7/2010 3:14:42 PM |
| eronyc | $50.00 | $50.00 | 9/7/2010 3:14:57 PM |
| greenwell | $67.65 | $67.65 | 9/7/2010 3:14:52 PM |
| samo102us | $25.00 | $25.00 | 9/7/2010 3:15:14 PM |
| cgk46doit | $25.00 | $25.00 | 9/7/2010 3:15:50 PM |
| whiteshadow | $50.00 | $50.00 | 9/7/2010 3:25:35 PM |
| MO_Investor | $25.00 | $25.00 | 9/7/2010 3:26:09 PM |
| creed99 | $25.00 | $25.00 | 9/7/2010 3:33:14 PM |
| bobby4u3 | $25.00 | $25.00 | 9/7/2010 4:38:50 PM |
| adama_48 | $50.00 | $50.00 | 9/7/2010 3:57:53 PM |
| hopethisworks | $28.96 | $28.96 | 9/7/2010 5:12:02 PM |
| lowestghost | $25.00 | $25.00 | 9/7/2010 5:11:50 PM |
| MoneyForNothing | $122.89 | $122.89 | 9/7/2010 8:10:18 PM |
| iflyforfun | $25.00 | $25.00 | 9/7/2010 7:37:16 PM |
| soheagle | $25.00 | $25.00 | 9/7/2010 9:33:20 PM |
| lloyd_s | $25.00 | $25.00 | 9/7/2010 9:32:16 PM |
| LHSK | $25.00 | $25.00 | 9/7/2010 10:52:46 PM |
| monroemoney | $25.00 | $25.00 | 9/7/2010 10:53:02 PM |
| smallcountry | $26.16 | $26.16 | 9/7/2010 10:53:24 PM |
| Flatfoot | $25.00 | $25.00 | 9/7/2010 10:55:37 PM |
| L-vex | $25.00 | $25.00 | 9/7/2010 10:56:08 PM |
| awwaww | $25.00 | $25.00 | 9/7/2010 10:08:24 PM |
| tolstoy00 | $25.00 | $25.00 | 9/7/2010 11:09:16 PM |
| pragmatic-camaraderi | $25.00 | $25.00 | 9/7/2010 11:15:48 PM |
| Bearls | $25.00 | $25.00 | 9/7/2010 11:17:17 PM |
| anyoi | $30.90 | $30.90 | 9/7/2010 11:09:14 PM |
| YellowJacket | $25.00 | $25.00 | 9/7/2010 10:55:43 PM |
| sajitk | $25.00 | $25.00 | 9/7/2010 10:56:13 PM |
| platinum-sorcerer6 | $25.00 | $25.00 | 9/7/2010 11:16:08 PM |
| KramericaIndustries | $25.00 | $25.00 | 9/7/2010 11:04:32 PM |
| DeltaGambler | $25.00 | $25.00 | 9/7/2010 11:19:27 PM |
| the-financier814 | $25.00 | $25.00 | 9/7/2010 11:22:30 PM |
| oskizzle | $25.00 | $25.00 | 9/8/2010 6:42:22 AM |
| mentalsweat | $25.00 | $25.00 | 9/8/2010 7:08:01 AM |
| kjsfld | $25.00 | $25.00 | 9/8/2010 8:02:32 AM |
| efficient-treasure0 | $36.02 | $36.02 | 9/8/2010 8:47:20 AM |
| interstellar | $50.00 | $50.00 | 9/8/2010 9:27:11 AM |
| durability-bandit1 | $25.00 | $25.00 | 9/8/2010 8:58:44 AM |
| roman1998 | $50.00 | $50.00 | 9/8/2010 9:02:24 AM |
| NDFIRTH | $50.00 | $50.00 | 9/8/2010 9:33:08 AM |
| SC98007 | $25.00 | $25.00 | 9/8/2010 9:42:47 AM |
| ethical-point | $50.00 | $50.00 | 9/8/2010 9:43:11 AM |
| Dutchhunter | $50.00 | $50.00 | 9/8/2010 9:33:23 AM |
| reinforced-reward | $25.00 | $25.00 | 9/8/2010 9:45:13 AM |
| responsibility-jet | $50.00 | $50.00 | 9/8/2010 9:43:06 AM |
| diligent-leverage | $25.00 | $25.00 | 9/8/2010 10:24:11 AM |
| skidoo99 | $25.00 | $25.00 | 9/8/2010 9:42:40 AM |
| blissful-note7 | $25.00 | $25.00 | 9/8/2010 11:03:30 AM |
| fervent-repayment | $50.00 | $50.00 | 9/8/2010 11:14:35 AM |
| 9boag | $25.00 | $25.00 | 9/8/2010 11:37:55 AM |
| iolaire | $25.00 | $25.00 | 9/8/2010 11:52:40 AM |
| ashik | $25.00 | $25.00 | 9/8/2010 12:07:10 PM |
| wampum-optimization | $50.00 | $50.00 | 9/8/2010 12:32:57 PM |
| market-enthusiast | $25.00 | $25.00 | 9/8/2010 2:22:26 PM |
| StWaldo | $25.00 | $25.00 | 9/8/2010 2:34:13 PM |
| lostontheedge | $25.00 | $1.86 | 9/8/2010 2:34:20 PM |
| jsmith1450 | $50.00 | $50.00 | 9/8/2010 2:34:20 PM |
| BlessedEveryDay | $25.00 | $25.00 | 9/8/2010 3:39:52 PM |
| wwwUniversal | $25.00 | $25.00 | 9/9/2010 1:43:44 AM |
| OoM | $25.00 | $25.00 | 9/9/2010 8:55:43 AM |
| patriot897 | $50.00 | $50.00 | 9/9/2010 10:30:30 AM |
| outofoffice | $75.00 | $75.00 | 9/9/2010 12:03:47 PM |
| grotheik | $30.35 | $30.35 | 9/9/2010 4:31:29 PM |
| worth-matador | $25.00 | $25.00 | 9/9/2010 5:07:03 PM |
| B | $100.00 | $100.00 | 9/10/2010 6:28:09 AM |
| clean-fund | $25.00 | $25.00 | 9/10/2010 9:53:59 AM |
| vulgy | $25.00 | $25.00 | 9/10/2010 12:11:32 PM |
| treasure-bison | $25.00 | $25.00 | 9/10/2010 12:23:13 PM |
| frankandirene | $25.00 | $25.00 | 9/11/2010 5:25:07 AM |
| capital-star5 | $25.00 | $25.00 | 9/11/2010 4:14:59 AM |
| Dollars4Rent | $25.00 | $25.00 | 9/11/2010 8:49:03 AM |
| established-hope5 | $25.00 | $25.00 | 9/11/2010 8:05:43 PM |
| billnsc | $25.00 | $25.00 | 9/12/2010 6:43:59 AM |
| loanman2007 | $25.00 | $25.00 | 9/13/2010 9:08:26 AM |
| ethicalhumanist | $50.00 | $50.00 | 9/13/2010 10:49:33 AM |
| commerce-handshake | $25.00 | $25.00 | 9/13/2010 10:53:07 AM |
| power-comet4 | $25.00 | $25.00 | 9/13/2010 2:06:16 PM |
| Patrician | $50.00 | $50.00 | 9/14/2010 12:16:45 AM |
| rustysailor | $25.00 | $25.00 | 9/14/2010 1:25:39 AM |
| qkinger | $50.00 | $50.00 | 9/14/2010 9:56:26 AM |
| 386 bids
|
Borrower Payment Dependent Notes Series
474649
This series of Notes was issued and sold upon the funding of the borrower loan #44424, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $7,000.00 |
Prosper Rating:
| C |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 7.7% |
Auction start date:
| Sep-07-2010 |
| |
Auction end date:
| Sep-14-2010 |
|
|
Starting lender yield:
| 20.90% |
Starting borrower rate/APR:
| 21.90% / 25.33% |
Starting monthly payment:
| $266.97 |
|
Final lender yield:
| 19.00% |
Final borrower rate/APR:
| 20.00% / 23.39% |
Final monthly payment:
| $260.15 |
| |
|
Auction yield range:
| 7.79% - 20.90% |
Estimated loss impact:
| 8.14% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 10.86% | | |
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 score (1-10):
| 7 |
First credit line:
| Sep-2004 |
Debt/Income ratio:
| 29% |
|
Credit score:
| 780-799 (Aug-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 12
/
11 | Length of status: | 3y 11m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 20 |
Occupation: | Executive |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,312 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 22% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| JeramyU |
Borrower's state:
| Virginia |
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 / 1 |
On-time:
| 24 ( 100% )
| 780-799 (Latest)
|
|
Principal borrowed:
| $6,500.00 | < 31 days late:
| 0
( 0% )
| 660-679
(Aug-2008)
|
|
Principal balance:
| $2,451.34 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 24 | | |
Description
Consolidating after home purchase
Purpose of loan:
I recently purchased my first home and am finally on the path to fiscal freedom.? For my home, I made the general purchases: furniture, accessories, moving expenses, etc.? I would like to consolidate these payments into one lower-interest payment.
My financial situation:
I am a good candidate for this loan because my credit is very important to me.? As you can see by my previous loan (used to consolidate high-interested credit cards), I have never missed a payment.? Also, you can see that my credit score has risen over 100 points since my last loan and is now over 780.
Monthly net income: $
$3,950
Monthly expenses: $
??Housing: $
1,200
??Insurance: $
0 (pre-paid)
??Car expenses: $
350
??Utilities: $ 110
??Phone, cable, internet: $
50
??Food, entertainment: $
200
??Clothing, household expenses $
100
??Credit cards and other loans: $
300
??Other expenses: $
100
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:
Hi, did you put your home furnishings on your credit cards? If so, what was the total cost? What are the interest rates? Thanks. - interest88
A:
Thank you for the question.
The home I purchased had been completely renovated, so luckily all I needed to purchase was odds/ends and furniture. The furniture I put on my main credit card. It was ~$2,800 @ 24.99% interest. I paid everything else in cash.
Thank you again!
(Sep-08-2010)
Q:
Congratulations on the purchase of you first home. Here is my question: Will you be rolling your prior prosper loan into this consolidation? Thanks and best wishes. - convergentthinker
A:
Thank you so much...it has been an awesome experience.
Yes. I will pay off the other Prosper loan with the funds from this one.
Thank you again!
(Sep-09-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| top-courteous-peso | $50.00 | $50.00 | 9/7/2010 2:36:00 PM |
| HQLender06851 | $25.00 | $25.00 | 9/7/2010 2:37:29 PM |
| Tc11902 | $25.00 | $25.00 | 9/7/2010 2:58:43 PM |
| enthusiastic-balance5 | $50.00 | $50.00 | 9/7/2010 3:03:49 PM |
| Sol_Invictus | $25.00 | $25.00 | 9/7/2010 3:32:41 PM |
| JustMee | $25.00 | $25.00 | 9/7/2010 4:54:11 PM |
| usedtoborrow | $100.00 | $100.00 | 9/7/2010 6:12:15 PM |
| ptjg | $50.00 | $50.00 | 9/8/2010 3:22:15 AM |
| ttnk62918 | $25.00 | $25.00 | 9/8/2010 7:42:12 AM |
| loanman2007 | $150.00 | $150.00 | 9/8/2010 7:41:57 AM |
| yield-lion2 | $30.00 | $30.00 | 9/8/2010 3:00:28 PM |
| mammalian4 | $25.00 | $25.00 | 9/8/2010 3:37:55 PM |
| interest88 | $25.00 | $25.00 | 9/8/2010 4:29:48 PM |
| CASSHMAN | $75.00 | $75.00 | 9/8/2010 7:33:53 PM |
| d_grbg | $25.00 | $25.00 | 9/8/2010 8:18:22 PM |
| KirosPOS | $100.00 | $100.00 | 9/8/2010 9:13:49 PM |
| william8 | $25.00 | $25.00 | 9/9/2010 5:05:30 AM |
| orbital-dollar2 | $25.00 | $25.00 | 9/9/2010 6:31:22 AM |
| B | $50.00 | $50.00 | 9/9/2010 1:52:40 PM |
| power-secret-agent | $25.00 | $25.00 | 9/9/2010 2:44:12 PM |
| boo_hoo | $50.00 | $50.00 | 9/9/2010 4:35:31 PM |
| Earn_money | $29.00 | $29.00 | 9/9/2010 6:04:42 PM |
| Myrick | $25.00 | $25.00 | 9/9/2010 6:23:56 PM |
| aganippe | $25.00 | $25.00 | 9/9/2010 6:25:42 PM |
| gjm6d | $25.00 | $25.00 | 9/9/2010 6:42:42 PM |
| economy-popcorn | $25.00 | $25.00 | 9/10/2010 6:42:36 AM |
| Reliance_Banker | $25.00 | $25.00 | 9/10/2010 4:51:30 PM |
| grammaspurse | $25.00 | $25.00 | 9/10/2010 6:55:01 PM |
| EliteCapital | $45.35 | $45.35 | 9/12/2010 8:34:52 AM |
| EverettFinancial | $25.00 | $25.00 | 9/12/2010 10:41:56 AM |
| loss-of-control | $50.00 | $50.00 | 9/12/2010 4:27:27 PM |
| benefit-boots | $25.00 | $25.00 | 9/12/2010 5:12:24 PM |
| payout-reaction740 | $25.00 | $25.00 | 9/12/2010 5:41:58 PM |
| order-bee1 | $25.00 | $25.00 | 9/12/2010 2:33:12 PM |
| loss-of-control | $100.00 | $100.00 | 9/12/2010 4:27:08 PM |
| patriot384 | $300.00 | $300.00 | 9/13/2010 4:58:06 AM |
| agreement-bunny | $25.00 | $25.00 | 9/13/2010 6:37:11 AM |
| 1stBankAndHal | $35.00 | $35.00 | 9/13/2010 8:39:15 AM |
| credit-missile | $25.00 | $25.00 | 9/13/2010 7:41:58 AM |
| j5505 | $82.00 | $82.00 | 9/13/2010 5:28:19 AM |
| Catz_aplenty | $25.00 | $25.00 | 9/13/2010 7:03:49 AM |
| LittleMingo | $30.00 | $30.00 | 9/13/2010 9:38:49 AM |
| credit-missile | $25.00 | $25.00 | 9/13/2010 7:42:16 AM |
| brightest-dignified-penny | $25.00 | $25.00 | 9/13/2010 10:41:30 AM |
| MrOglesby | $25.00 | $25.00 | 9/13/2010 10:54:36 AM |
| wlm3012 | $25.00 | $25.00 | 9/13/2010 11:26:19 AM |
| Green-Baron | $50.00 | $50.00 | 9/13/2010 12:50:37 PM |
| GeorgiaGator | $25.00 | $25.00 | 9/13/2010 1:08:32 PM |
| tedi-tif | $75.00 | $10.03 | 9/13/2010 1:01:16 PM |
| Pressure_Drop | $33.39 | $33.39 | 9/13/2010 4:14:53 PM |
| marinbb | $50.00 | $50.00 | 9/13/2010 7:10:22 PM |
| clemclan | $25.00 | $25.00 | 9/13/2010 6:59:23 PM |
| new-smart-fund | $27.28 | $27.28 | 9/14/2010 1:20:41 AM |
| seineil | $25.00 | $25.00 | 9/14/2010 1:41:11 AM |
| E-B | $50.00 | $50.00 | 9/14/2010 3:06:42 AM |
| Sturgee | $25.00 | $25.00 | 9/14/2010 4:11:03 AM |
| DoctorJoe | $25.00 | $25.00 | 9/14/2010 5:15:46 AM |
| Kennfusion | $50.00 | $50.00 | 9/14/2010 6:12:57 AM |
| bonus-quark4 | $36.42 | $36.42 | 9/14/2010 7:04:39 AM |
| Ambassador | $49.00 | $49.00 | 9/14/2010 4:49:07 AM |
| rate-hickory | $25.00 | $25.00 | 9/14/2010 8:02:52 AM |
| Leshan | $150.00 | $150.00 | 9/14/2010 8:50:26 AM |
| Taho | $50.00 | $50.00 | 9/14/2010 7:39:39 AM |
| dammage | $25.00 | $25.00 | 9/14/2010 10:01:29 AM |
| gothampark | $25.00 | $25.00 | 9/14/2010 10:08:09 AM |
| martymaniaman | $25.00 | $25.00 | 9/14/2010 10:17:11 AM |
| santhana | $35.00 | $35.00 | 9/14/2010 10:24:24 AM |
| ksubd | $50.00 | $50.00 | 9/7/2010 2:29:02 PM |
| ethicalhumanist | $50.00 | $50.00 | 9/7/2010 2:35:23 PM |
| money-bauble | $100.00 | $100.00 | 9/7/2010 2:37:31 PM |
| VAGweilo | $50.00 | $50.00 | 9/7/2010 2:40:58 PM |
| fabulous-community4 | $100.00 | $100.00 | 9/7/2010 2:59:38 PM |
| bughead | $25.00 | $25.00 | 9/7/2010 3:55:36 PM |
| SolarMoonshine | $25.00 | $25.00 | 9/7/2010 5:44:38 PM |
| green-rapid-openness | $50.00 | $50.00 | 9/7/2010 8:55:44 PM |
| Katieo | $25.00 | $25.00 | 9/7/2010 8:09:28 PM |
| green-rapid-openness | $50.00 | $50.00 | 9/7/2010 8:55:29 PM |
| Bank_Of_XL | $50.00 | $50.00 | 9/8/2010 5:55:43 AM |
| trade-goblin9 | $25.00 | $25.00 | 9/8/2010 10:09:16 AM |
| nerlands | $25.00 | $25.00 | 9/8/2010 9:43:31 AM |
| scoobiedoo | $50.00 | $50.00 | 9/8/2010 11:24:45 AM |
| jpollar | $25.00 | $25.00 | 9/8/2010 11:33:49 AM |
| turbostar666 | $25.00 | $25.00 | 9/8/2010 3:37:50 PM |
| wwwUniversal | $25.00 | $25.00 | 9/8/2010 3:38:30 PM |
| green-exchange-cannon | $50.00 | $50.00 | 9/8/2010 4:19:59 PM |
| DementiaAddict | $50.00 | $50.00 | 9/8/2010 4:30:59 PM |
| AK49-JW | $25.00 | $25.00 | 9/8/2010 7:06:22 PM |
| shrewd-income | $100.00 | $100.00 | 9/8/2010 6:57:19 PM |
| lawyervon | $25.00 | $25.00 | 9/9/2010 1:42:56 AM |
| FinanceEngine | $30.00 | $30.00 | 9/9/2010 9:53:39 AM |
| BrighterSuns | $25.00 | $25.00 | 9/9/2010 9:51:25 AM |
| katnmouse | $26.00 | $26.00 | 9/9/2010 10:19:54 AM |
| MStackIV | $67.00 | $67.00 | 9/9/2010 10:49:29 AM |
| loanman2007 | $75.00 | $75.00 | 9/9/2010 11:22:03 AM |
| outofoffice | $75.00 | $75.00 | 9/9/2010 12:02:35 PM |
| Nicedad72 | $25.00 | $25.00 | 9/9/2010 12:45:36 PM |
| Bob450 | $50.00 | $50.00 | 9/9/2010 2:57:26 PM |
| DRA-Properties | $25.00 | $25.00 | 9/9/2010 4:14:09 PM |
| dloan | $25.00 | $25.00 | 9/9/2010 5:59:28 PM |
| cbivitz | $250.00 | $250.00 | 9/9/2010 6:08:56 PM |
| chameleon125 | $75.00 | $75.00 | 9/10/2010 6:44:58 AM |
| rockhound84 | $25.00 | $25.00 | 9/10/2010 6:55:36 AM |
| top-courteous-peso | $100.00 | $100.00 | 9/10/2010 9:12:40 AM |
| fund-fox4 | $30.00 | $30.00 | 9/10/2010 10:06:47 AM |
| interact | $25.76 | $25.76 | 9/10/2010 10:53:15 AM |
| floridahelper | $50.00 | $50.00 | 9/10/2010 4:03:49 PM |
| jpblan11 | $25.00 | $25.00 | 9/10/2010 6:11:41 PM |
| kain11286 | $100.00 | $100.00 | 9/10/2010 4:35:38 PM |
| greenback-maracas | $25.00 | $25.00 | 9/10/2010 8:07:14 PM |
| integrity-doctor | $100.00 | $100.00 | 9/10/2010 8:15:25 PM |
| trustworthy-finance6 | $100.00 | $100.00 | 9/10/2010 9:12:38 PM |
| Dollars4Rent | $25.00 | $25.00 | 9/11/2010 8:50:47 AM |
| szetheli | $158.00 | $158.00 | 9/11/2010 8:42:08 AM |
| power-comet4 | $25.00 | $25.00 | 9/11/2010 5:46:32 PM |
| KTOWN | $26.00 | $26.00 | 9/11/2010 8:14:52 PM |
| Mrgiggleswic | $50.00 | $50.00 | 9/12/2010 7:14:22 AM |
| Moe87 | $25.00 | $25.00 | 9/12/2010 9:47:08 AM |
| orbital-dollar2 | $75.00 | $75.00 | 9/12/2010 9:09:25 AM |
| rmpedi33 | $100.00 | $100.00 | 9/12/2010 4:23:24 PM |
| credit-tornado689 | $29.00 | $29.00 | 9/12/2010 5:55:34 PM |
| loss-of-control | $50.00 | $50.00 | 9/12/2010 4:28:04 PM |
| MattProsper | $60.00 | $60.00 | 9/12/2010 6:03:55 PM |
| JTThunder | $100.00 | $100.00 | 9/12/2010 6:38:57 PM |
| exchange-dreams | $25.00 | $25.00 | 9/12/2010 3:25:38 PM |
| chkrvrty | $25.00 | $25.00 | 9/12/2010 6:52:43 PM |
| Techne_Funds_LLC | $25.00 | $25.00 | 9/12/2010 8:16:33 PM |
| loans_to_loan | $25.00 | $25.00 | 9/12/2010 8:02:38 PM |
| SkyLoan | $30.04 | $30.04 | 9/12/2010 8:32:48 PM |
| fairness-atmosphere | $25.00 | $25.00 | 9/13/2010 7:39:33 AM |
| credit-missile | $25.00 | $25.00 | 9/13/2010 7:43:52 AM |
| wealth-pipeline | $25.00 | $25.00 | 9/13/2010 8:52:37 AM |
| Aristocrat | $25.73 | $25.73 | 9/13/2010 8:20:09 AM |
| ray1051 | $25.00 | $25.00 | 9/13/2010 5:33:01 AM |
| credit-missile | $25.00 | $25.00 | 9/13/2010 7:41:36 AM |
| l2fp | $25.00 | $25.00 | 9/13/2010 12:39:15 PM |
| jetsons6866 | $50.00 | $50.00 | 9/13/2010 2:26:06 PM |
| Otagaini | $25.00 | $25.00 | 9/13/2010 5:06:13 PM |
| gilbrear | $25.00 | $25.00 | 9/13/2010 4:45:08 PM |
| good4loan | $25.00 | $25.00 | 9/13/2010 10:40:41 PM |
| MarcusOcean | $50.00 | $50.00 | 9/13/2010 11:21:31 PM |
| rockhound84 | $25.00 | $25.00 | 9/14/2010 1:41:52 AM |
| BeanCownter | $50.00 | $50.00 | 9/14/2010 6:31:08 AM |
| jcw3rd | $25.00 | $25.00 | 9/14/2010 7:02:39 AM |
| serene-capital | $25.00 | $25.00 | 9/14/2010 8:20:45 AM |
| HQLender06851 | $45.00 | $45.00 | 9/14/2010 8:33:19 AM |
| bitano | $50.00 | $50.00 | 9/14/2010 7:37:21 AM |
| mikeandcat | $100.00 | $100.00 | 9/14/2010 9:40:55 AM |
| WonByOne | $50.00 | $50.00 | 9/14/2010 10:11:03 AM |
| enchanted-silver2 | $50.00 | $50.00 | 9/14/2010 8:36:20 AM |
| durable-investment8 | $30.00 | $30.00 | 9/14/2010 8:41:23 AM |
| rockhound84 | $25.00 | $25.00 | 9/14/2010 10:46:57 AM |
| chuchutrain | $25.00 | $25.00 | 9/14/2010 10:45:37 AM |
| brightest-fascinating-principal | $25.00 | $25.00 | 9/14/2010 10:11:08 AM |
| principal-star | $25.00 | $25.00 | 9/14/2010 10:17:45 AM |
| Buenaventura | $25.00 | $25.00 | 9/14/2010 10:41:32 AM |
| 155 bids
|
Borrower Payment Dependent Notes Series
474693
This series of Notes was issued and sold upon the funding of the borrower loan #44428, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,500.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.8% |
Auction start date:
| Sep-08-2010 |
| |
Auction end date:
| Sep-14-2010 |
|
|
Starting lender yield:
| 26.50% |
Starting borrower rate/APR:
| 27.50% / 31.05% |
Starting monthly payment:
| $102.73 |
|
Final lender yield:
| 26.50% |
Final borrower rate/APR:
| 27.50% / 31.05% |
Final monthly payment:
| $102.73 |
| |
|
Auction yield range:
| 10.79% - 26.50% |
Estimated loss impact:
| 11.46% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 15.04% | | |
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 score (1-10):
| 8 |
First credit line:
| Oct-1998 |
Debt/Income ratio:
| 11% |
|
Credit score:
| 680-699 (Sep-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 1 |
Current / open credit lines:
| 5
/
5 | Length of status: | 1y 11m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 14 |
Occupation: | Truck Driver |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $1,953 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 8 |
Bankcard utilization:
| 39% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| sycamore4 |
Borrower's state:
| Wisconsin |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt consolidation
Purpose of loan:
This loan will be used to?consolidate debt into one payment.
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) |
|
| randsenterprise | $25.00 | $25.00 | 9/8/2010 3:06:34 PM |
| simplelender80 | $100.00 | $100.00 | 9/8/2010 3:07:43 PM |
| 6moonbeams | $25.00 | $25.00 | 9/8/2010 3:15:23 PM |
| patriot897 | $25.00 | $25.00 | 9/9/2010 10:19:11 AM |
| neighborly-bid | $25.00 | $25.00 | 9/9/2010 3:16:47 PM |
| soulful-truth | $75.00 | $75.00 | 9/10/2010 10:03:06 AM |
| finance-magma7 | $73.89 | $73.89 | 9/10/2010 2:04:00 PM |
| frogperson | $150.00 | $150.00 | 9/10/2010 3:14:10 PM |
| enthralling-deal180 | $100.00 | $100.00 | 9/10/2010 3:17:01 PM |
| burrito6 | $25.00 | $25.00 | 9/10/2010 3:17:10 PM |
| SolarMoonshine | $25.00 | $25.00 | 9/10/2010 5:21:59 PM |
| jmto_02 | $25.00 | $25.00 | 9/11/2010 9:03:55 PM |
| exchange-dreams | $25.00 | $25.00 | 9/12/2010 3:23:43 PM |
| worthy-bid8 | $25.00 | $25.00 | 9/12/2010 4:08:38 PM |
| helping-out | $50.00 | $50.00 | 9/13/2010 7:13:02 PM |
| generous-deal6 | $50.00 | $50.00 | 9/13/2010 8:28:04 PM |
| SqueezeKing | $25.00 | $25.00 | 9/14/2010 2:46:27 PM |
| junctionking | $25.00 | $25.00 | 9/14/2010 3:08:06 PM |
| new-social-economist | $50.00 | $50.00 | 9/14/2010 3:08:02 PM |
| Rdodson11 | $25.00 | $25.00 | 9/14/2010 3:08:17 PM |
| rvfbroker | $25.00 | $25.00 | 9/14/2010 3:08:21 PM |
| b-rent | $25.00 | $25.00 | 9/14/2010 3:08:34 PM |
| Bob450 | $25.00 | $25.00 | 9/14/2010 2:50:30 PM |
| shrewd-peace7 | $27.91 | $27.91 | 9/14/2010 3:16:32 PM |
| Brainworm | $25.00 | $25.00 | 9/14/2010 3:17:41 PM |
| asiaratt | $50.00 | $50.00 | 9/14/2010 3:08:14 PM |
| skillful-asset5 | $25.00 | $25.00 | 9/14/2010 3:14:48 PM |
| orange-dollar-guild | $25.00 | $25.00 | 9/14/2010 3:08:37 PM |
| engaging-contract | $25.00 | $25.00 | 9/14/2010 3:21:01 PM |
| AlexTrep | $25.00 | $25.00 | 9/14/2010 3:24:51 PM |
| thedreamer | $25.00 | $25.00 | 9/14/2010 3:24:36 PM |
| rescue | $50.00 | $18.20 | 9/14/2010 3:25:18 PM |
| asmithj | $50.00 | $50.00 | 9/14/2010 3:21:06 PM |
| LAM26 | $25.00 | $25.00 | 9/14/2010 3:22:02 PM |
| lucrative-coin | $50.00 | $50.00 | 9/14/2010 5:10:39 PM |
| worthy-bid4 | $25.00 | $25.00 | 9/14/2010 5:43:42 PM |
| EBITDA | $25.00 | $25.00 | 9/8/2010 3:07:28 PM |
| handshake5 | $25.00 | $25.00 | 9/8/2010 3:08:04 PM |
| danthemon35 | $25.00 | $25.00 | 9/8/2010 3:10:31 PM |
| tech310 | $50.00 | $50.00 | 9/8/2010 3:12:45 PM |
| pfh | $25.00 | $25.00 | 9/8/2010 3:15:06 PM |
| bid-czar8 | $50.00 | $50.00 | 9/9/2010 10:08:10 AM |
| HedgeFund | $50.00 | $50.00 | 9/9/2010 2:06:58 PM |
| AF-Chief | $25.00 | $25.00 | 9/10/2010 6:29:18 AM |
| kulender | $50.00 | $50.00 | 9/10/2010 12:23:28 PM |
| Artist_Blue | $25.00 | $25.00 | 9/10/2010 3:10:22 PM |
| reward-adventure | $30.00 | $30.00 | 9/10/2010 3:16:59 PM |
| zipemdown | $50.00 | $50.00 | 9/10/2010 3:17:12 PM |
| money-bauble | $50.00 | $50.00 | 9/11/2010 10:24:17 PM |
| minnesotafinancial | $25.00 | $25.00 | 9/14/2010 8:09:09 AM |
| musegaze | $100.00 | $100.00 | 9/14/2010 9:28:56 AM |
| extraordinary-transaction | $50.00 | $50.00 | 9/14/2010 3:08:10 PM |
| thrifty-capital | $25.00 | $25.00 | 9/14/2010 3:10:33 PM |
| meers2000 | $25.00 | $25.00 | 9/14/2010 3:04:52 PM |
| logical-loyalty0 | $25.00 | $25.00 | 9/14/2010 3:06:18 PM |
| lcole32 | $25.00 | $25.00 | 9/14/2010 3:06:39 PM |
| red-favorable-basis | $25.00 | $25.00 | 9/14/2010 3:07:54 PM |
| hizzy | $50.00 | $50.00 | 9/14/2010 3:07:59 PM |
| Patter256 | $25.00 | $25.00 | 9/14/2010 3:17:52 PM |
| mtquan | $25.00 | $25.00 | 9/14/2010 3:08:25 PM |
| jo2y | $25.00 | $25.00 | 9/14/2010 3:08:42 PM |
| delivery | $25.00 | $25.00 | 9/14/2010 3:21:31 PM |
| shiny-dollar9 | $25.00 | $25.00 | 9/14/2010 3:22:16 PM |
| moneygeek | $50.00 | $50.00 | 9/14/2010 3:20:51 PM |
| economy-producer | $25.00 | $25.00 | 9/14/2010 3:23:44 PM |
| supreme-hope | $25.00 | $25.00 | 9/14/2010 3:16:52 PM |
| imoutdoorsy | $25.00 | $25.00 | 9/14/2010 5:16:19 PM |
| 67 bids
|
Borrower Payment Dependent Notes Series
474034
This series of Notes was issued and sold upon the funding of the borrower loan #44393, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $6,000.00 |
Prosper Rating:
| B |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 6.0% |
Auction start date:
| Sep-02-2010 |
| |
Auction end date:
| Sep-07-2010 |
|
|
Starting lender yield:
| 14.15% |
Starting borrower rate/APR:
| 15.15% / 17.32% |
Starting monthly payment:
| $208.43 |
|
Final lender yield:
| 14.15% |
Final borrower rate/APR:
| 15.15% / 17.32% |
Final monthly payment:
| $208.43 |
| |
|
Auction yield range:
| 5.89% - 14.15% |
Estimated loss impact:
| 6.19% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.96% | | |
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 score (1-10):
| 8 |
First credit line:
| Oct-1977 |
Debt/Income ratio:
| 21% |
|
Credit score:
| 740-759 (Sep-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
10 | Length of status: | 13y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 41 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $6,981 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 21% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| payment-matador4 |
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
New business for college bound kids
Purpose of loan:
This loan will be used to start a business to assist high school students and adults attempting to go (or return) to college. There is a gap in the information and recruiting process along side noticing there remains a number of first generation college students whose parents are not able to assist with the admission and financial process. The second part of my business venture includes assisting small businesses with start-up plans. I have the ability to develop sound business plans and have had a hand in assisting several successful small business start-up plans. Many people are able to come up with very good business ventures and ideas but do not know where to start or have the resources to start a small business. KAM-Keep Achieving Morecombines both business ventures. I plan to offer counseling services and training sessions. It will take money to get such a venture underway but I am up for the task
My financial situation:
I am a good candidate for this loan because I would like to use this loan to place myself in a sound financial situation thus allowing me financial room to start this business. I have the ability to pay back the loan through my full time employment and the monthly payments fit well in my current personal budget.
Monthly net income: $ 4212
Monthly expenses: $ 3505
??Housing: $ 1700
??Insurance: $ 193
??Car expenses: $ 467
??Utilities: $ 200
??Phone, cable, internet: $ 170
??Food, entertainment: $ 275
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 300
??Other expenses: $ 100
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:
Hi,
Is this profit or non-profit business? What will be the additional income for you to do this business?
What is your current job?
Do you plan to transfer your employment to the new business?
Thanks, - p2ploan-sensation211
A:
Hello, thank you for the inquiry. This loan will be used to start a not-for-profit business to assist high school students and adults attempting to go (or return) to college as well as assist with proposals for small business ideas. I am teaching a course online and creating an advertisment supported website for additional income. My current job is Student Administrator in Higher Education. I plan to remain in higher education to keep me in the loop but add this business as part of my CV.
(Sep-07-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| ethicalhumanist | $50.00 | $50.00 | 9/2/2010 2:29:58 PM |
| pnace | $50.00 | $50.00 | 9/2/2010 2:31:46 PM |
| credit-panda1 | $25.00 | $25.00 | 9/2/2010 2:39:53 PM |
| bid-czar8 | $50.00 | $50.00 | 9/2/2010 2:42:29 PM |
| kmr2 | $100.00 | $100.00 | 9/2/2010 2:47:54 PM |
| vigorous-note | $50.00 | $50.00 | 9/2/2010 2:51:49 PM |
| lloyd_s | $25.00 | $25.00 | 9/2/2010 3:43:14 PM |
| REBizGuy | $30.21 | $30.21 | 9/2/2010 2:31:09 PM |
| GElender | $50.00 | $50.00 | 9/2/2010 2:32:40 PM |
| samo102us | $25.00 | $25.00 | 9/2/2010 4:00:53 PM |
| rescue | $50.00 | $50.00 | 9/2/2010 2:33:10 PM |
| handshake5 | $25.00 | $25.00 | 9/2/2010 2:46:50 PM |
| diplomatic-wealth7 | $50.00 | $50.00 | 9/2/2010 2:47:40 PM |
| Vegasjim | $25.00 | $25.00 | 9/2/2010 2:50:54 PM |
| objective-investor | $100.00 | $100.00 | 9/2/2010 2:51:09 PM |
| mla | $25.00 | $25.00 | 9/2/2010 2:48:08 PM |
| Bank_Of_XL | $50.00 | $50.00 | 9/2/2010 3:33:05 PM |
| kgauss | $25.00 | $25.00 | 9/2/2010 3:57:42 PM |
| yukongin | $100.00 | $100.00 | 9/2/2010 8:45:14 PM |
| Munnie | $50.00 | $50.00 | 9/2/2010 6:48:51 PM |
| finance-magma7 | $100.00 | $100.00 | 9/2/2010 9:29:44 PM |
| JustMee | $25.00 | $25.00 | 9/2/2010 9:39:11 PM |
| creature2 | $25.00 | $25.00 | 9/2/2010 11:38:00 PM |
| cloud8 | $27.30 | $27.30 | 9/3/2010 12:22:16 AM |
| red-trade-cologne | $25.00 | $25.00 | 9/3/2010 2:52:13 AM |
| Sol_Invictus | $25.00 | $25.00 | 9/3/2010 5:44:44 AM |
| circustab | $50.00 | $50.00 | 9/3/2010 7:09:41 AM |
| green-safe-wampum | $50.00 | $50.00 | 9/3/2010 7:36:53 AM |
| silvercertificate | $25.00 | $25.00 | 9/3/2010 10:20:38 AM |
| ttnk62918 | $25.00 | $25.00 | 9/3/2010 11:28:01 AM |
| orange-courageous-dedication | $30.00 | $30.00 | 9/3/2010 11:49:44 AM |
| return-marsupial3 | $25.00 | $25.00 | 9/3/2010 12:20:34 PM |
| jdrez | $25.00 | $25.00 | 9/3/2010 1:57:34 PM |
| TAMPAGOLD | $60.00 | $60.00 | 9/3/2010 2:33:28 PM |
| credit-scout7 | $50.00 | $50.00 | 9/3/2010 4:57:41 PM |
| helpful-dough | $50.00 | $50.00 | 9/3/2010 6:47:29 PM |
| reasonable-transaction7 | $25.00 | $25.00 | 9/3/2010 8:02:12 PM |
| LSAR | $25.00 | $25.00 | 9/3/2010 11:29:49 PM |
| danthemon35 | $25.00 | $25.00 | 9/4/2010 1:29:57 AM |
| wwwUniversal | $25.00 | $25.00 | 9/4/2010 2:01:24 AM |
| invest-in-ed | $200.00 | $200.00 | 9/4/2010 2:36:54 AM |
| BeanCownter | $50.00 | $50.00 | 9/4/2010 4:32:39 AM |
| earlybird172961 | $25.00 | $25.00 | 9/4/2010 7:58:15 AM |
| wirebutterfly | $50.00 | $50.00 | 9/4/2010 10:12:04 AM |
| Tradesmanlender | $25.00 | $25.00 | 9/4/2010 1:02:35 PM |
| Moneypenny6 | $25.00 | $25.00 | 9/4/2010 12:14:57 PM |
| t3mp3st | $50.00 | $50.00 | 9/4/2010 2:42:18 PM |
| SDNLR | $25.00 | $25.00 | 9/4/2010 2:24:42 PM |
| bcs-holdings | $50.00 | $50.00 | 9/4/2010 3:37:51 PM |
| RandyL3 | $25.00 | $25.00 | 9/4/2010 8:48:08 PM |
| majesty786 | $50.00 | $50.00 | 9/4/2010 9:32:17 PM |
| SilverEcho | $48.04 | $48.04 | 9/5/2010 1:10:42 PM |
| efficient-treasure0 | $25.00 | $25.00 | 9/5/2010 3:52:32 PM |
| DirtyJack | $50.00 | $50.00 | 9/6/2010 7:02:30 AM |
| Montgomery-Burns | $25.00 | $25.00 | 9/6/2010 12:33:12 PM |
| d_grbg | $25.00 | $25.00 | 9/6/2010 12:33:17 PM |
| hmarquiss4 | $30.00 | $30.00 | 9/6/2010 5:57:10 PM |
| Lender0307 | $25.00 | $25.00 | 9/6/2010 8:40:36 PM |
| rockhound84 | $25.00 | $25.00 | 9/6/2010 11:11:52 PM |
| studious-bonus7 | $100.00 | $100.00 | 9/2/2010 2:40:17 PM |
| hitsman | $100.00 | $100.00 | 9/2/2010 2:42:05 PM |
| important-ore | $50.00 | $50.00 | 9/2/2010 2:45:56 PM |
| schpere | $25.00 | $25.00 | 9/2/2010 2:46:35 PM |
| tsg2007 | $25.00 | $25.00 | 9/2/2010 2:51:21 PM |
| ray1051 | $25.00 | $25.00 | 9/2/2010 2:32:00 PM |
| Weaverville | $50.00 | $50.00 | 9/2/2010 2:35:36 PM |
| authentic-liberty7 | $50.00 | $50.00 | 9/2/2010 2:42:57 PM |
| enthralling-deal180 | $100.00 | $100.00 | 9/2/2010 2:43:21 PM |
| jazzlender | $25.00 | $25.00 | 9/2/2010 2:43:40 PM |
| simplelender80 | $250.00 | $250.00 | 9/2/2010 2:38:42 PM |
| kegs | $150.00 | $150.00 | 9/2/2010 2:48:22 PM |
| loan-wasp | $50.00 | $50.00 | 9/2/2010 2:41:46 PM |
| integrity-trumpet | $50.00 | $50.00 | 9/2/2010 2:49:46 PM |
| wise-dedicated-power | $25.00 | $25.00 | 9/2/2010 2:50:30 PM |
| Fiimg | $50.00 | $50.00 | 9/2/2010 2:45:30 PM |
| ichibon | $200.00 | $200.00 | 9/2/2010 2:52:05 PM |
| larrybird | $150.00 | $150.00 | 9/2/2010 2:48:49 PM |
| proper-p2p6 | $50.00 | $50.00 | 9/2/2010 2:52:48 PM |
| asset-professor | $50.00 | $50.00 | 9/2/2010 2:54:26 PM |
| 108lender | $100.00 | $100.00 | 9/2/2010 3:37:03 PM |
| shrewd-peace7 | $40.00 | $40.00 | 9/2/2010 3:46:28 PM |
| bountiful-durability | $100.00 | $100.00 | 9/2/2010 3:54:38 PM |
| AndyLee | $25.00 | $25.00 | 9/3/2010 12:12:19 AM |
| GoStrong | $55.50 | $55.50 | 9/3/2010 1:03:52 AM |
| radforj22 | $25.00 | $25.00 | 9/3/2010 4:42:58 AM |
| finance-prescription | $42.27 | $42.27 | 9/3/2010 5:57:18 AM |
| daveinthecity | $25.00 | $25.00 | 9/3/2010 7:37:35 AM |
| Edwin_Rae | $25.00 | $25.00 | 9/3/2010 9:37:17 AM |
| SimpleChoice | $25.00 | $25.00 | 9/3/2010 9:40:25 AM |
| forthright-principal2 | $25.00 | $25.00 | 9/3/2010 9:41:55 AM |
| CAGE-Investments | $25.00 | $25.00 | 9/3/2010 9:42:03 AM |
| Msbutterfly | $50.00 | $50.00 | 9/3/2010 9:42:36 AM |
| brightest-affluence-motivator | $100.00 | $100.00 | 9/3/2010 9:42:43 AM |
| bchen78875 | $25.00 | $25.00 | 9/3/2010 11:04:46 AM |
| Cheburashka | $25.00 | $25.00 | 9/3/2010 11:05:02 AM |
| get30inc | $50.00 | $50.00 | 9/3/2010 11:27:37 AM |
| elevated-truth | $25.00 | $25.00 | 9/3/2010 12:19:47 PM |
| RETIRED2007 | $50.00 | $50.00 | 9/3/2010 2:00:28 PM |
| tylerfd | $25.00 | $25.00 | 9/3/2010 2:17:51 PM |
| efficient-marketplace | $50.00 | $50.00 | 9/3/2010 3:04:36 PM |
| repayment-harmony | $25.00 | $25.00 | 9/3/2010 5:54:54 PM |
| elegant-bonus | $25.00 | $25.00 | 9/3/2010 7:19:01 PM |
| generous-deal6 | $50.00 | $50.00 | 9/3/2010 7:34:41 PM |
| hookUup | $25.00 | $25.00 | 9/3/2010 9:22:44 PM |
| spudbeach | $51.28 | $51.28 | 9/4/2010 10:08:12 AM |
| jdl424 | $45.00 | $45.00 | 9/4/2010 9:46:31 AM |
| Ebanco | $50.00 | $50.00 | 9/4/2010 11:27:05 AM |
| benjamin67 | $25.47 | $25.47 | 9/4/2010 1:47:19 PM |
| Heather11 | $25.00 | $25.00 | 9/4/2010 3:24:43 PM |
| LtKen717 | $25.00 | $25.00 | 9/4/2010 6:25:15 PM |
| riproaringrapids | $25.00 | $25.00 | 9/5/2010 12:03:08 AM |
| runner262 | $25.00 | $25.00 | 9/4/2010 9:37:19 PM |
| helpinghand75 | $50.00 | $50.00 | 9/5/2010 10:48:29 AM |
| NYCFinancier | $25.00 | $25.00 | 9/5/2010 1:42:39 PM |
| peaceful-return2 | $50.00 | $50.00 | 9/5/2010 8:07:23 PM |
| chestnut4 | $25.00 | $25.00 | 9/5/2010 6:43:21 PM |
| Ripsaw4U | $50.00 | $50.00 | 9/6/2010 3:42:48 AM |
| HAVEANICEDAY | $25.00 | $25.00 | 9/5/2010 10:18:05 PM |
| Lefty_the_Lender | $25.00 | $25.00 | 9/6/2010 12:14:59 AM |
| organized-power3 | $25.00 | $25.00 | 9/6/2010 7:14:31 AM |
| the-profit-oracle | $25.00 | $25.00 | 9/6/2010 9:28:33 AM |
| Investoman | $87.97 | $25.53 | 9/6/2010 9:32:16 AM |
| integrity-enrichment2 | $30.00 | $30.00 | 9/6/2010 7:46:33 AM |
| tech310 | $50.00 | $50.00 | 9/6/2010 9:27:45 AM |
| Jeddy | $42.83 | $42.83 | 9/6/2010 7:55:31 AM |
| xhrisd | $45.00 | $45.00 | 9/6/2010 11:31:24 AM |
| troubleman50 | $65.00 | $65.00 | 9/6/2010 12:28:30 PM |
| 12Knocksinna | $25.00 | $25.00 | 9/6/2010 4:26:07 PM |
| Jag97 | $31.57 | $31.57 | 9/6/2010 4:12:14 PM |
| 129 bids
|
Borrower Payment Dependent Notes Series
474054
This series of Notes was issued and sold upon the funding of the borrower loan #44419, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $5,000.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 3.2% |
Auction start date:
| Sep-07-2010 |
| |
Auction end date:
| Sep-09-2010 |
|
|
Starting lender yield:
| 9.80% |
Starting borrower rate/APR:
| 10.80% / 12.92% |
Starting monthly payment:
| $163.22 |
|
Final lender yield:
| 9.80% |
Final borrower rate/APR:
| 10.80% / 12.92% |
Final monthly payment:
| $163.22 |
| |
|
Auction yield range:
| 3.79% - 9.80% |
Estimated loss impact:
| 3.28% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.52% | | |
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 score (1-10):
| 9 |
First credit line:
| Jul-2007 |
Debt/Income ratio:
| 3% |
|
Credit score:
| 740-759 (Sep-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 2
/
2 | Length of status: | 3y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 3 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $124 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 4% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| deal-tonic |
Borrower's state:
| Massachusetts |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 1 ( 100% )
| 740-759 (Latest)
|
|
Principal borrowed:
| $10,000.00 | < 31 days late:
| 0
( 0% )
| 740-759
(Dec-2009)
|
|
Principal balance:
| $0.01 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 1 | | |
Description
Liquidity for Unforeseen Expenses
Purpose of loan:
This loan will be used to ensure that I have the available emergency funds for any unforeseen expenses around the end of the year.? I have had a few recent car & household repairs that have drained my reserve fund.
My financial situation:
I am a good candidate for this loan because I currently have no debt, am fully employed and make over $71,000 per year not including bonus.? My monthly expense run between $1600-1800. The expenses include rent, utilities and groceries. I am a consultant and project manager for Bank of America Merrill Lynch (They do not offer personal loans), where I am working on the integration of the two companies. The loan will be used to ensure that I have the necessary liquidity during the coming months to deal with any unforeseen 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) |
|
| Weaverville | $25.00 | $25.00 | 9/7/2010 2:29:26 PM |
| wise-dedicated-power | $25.00 | $25.00 | 9/7/2010 2:37:18 PM |
| pnace | $35.00 | $35.00 | 9/7/2010 2:38:41 PM |
| jazzlender | $25.00 | $25.00 | 9/7/2010 2:43:05 PM |
| important-ore | $50.00 | $50.00 | 9/7/2010 2:44:56 PM |
| schpere | $25.00 | $25.00 | 9/7/2010 2:45:22 PM |
| objective-investor | $100.00 | $100.00 | 9/7/2010 2:47:28 PM |
| proper-p2p6 | $50.00 | $50.00 | 9/7/2010 2:48:31 PM |
| integrity-trumpet | $50.00 | $50.00 | 9/7/2010 2:47:11 PM |
| finance-magma7 | $100.00 | $100.00 | 9/7/2010 2:49:34 PM |
| efficient-marketplace | $50.00 | $50.00 | 9/7/2010 2:50:15 PM |
| ichibon | $200.00 | $200.00 | 9/7/2010 2:48:11 PM |
| radforj22 | $25.00 | $25.00 | 9/7/2010 2:49:57 PM |
| generous-deal6 | $50.00 | $50.00 | 9/7/2010 2:52:03 PM |
| danthemon35 | $25.00 | $25.00 | 9/7/2010 2:55:07 PM |
| RandyL3 | $25.00 | $25.00 | 9/7/2010 2:55:56 PM |
| diplomatic-wealth7 | $50.00 | $50.00 | 9/7/2010 2:56:28 PM |
| Msbutterfly | $50.00 | $50.00 | 9/7/2010 2:58:07 PM |
| Ripsaw4U | $50.00 | $50.00 | 9/7/2010 2:59:59 PM |
| j2ee | $25.00 | $25.00 | 9/7/2010 3:01:19 PM |
| reasonable-transaction7 | $25.00 | $25.00 | 9/7/2010 3:00:35 PM |
| organized-payment6 | $50.00 | $50.00 | 9/7/2010 3:01:46 PM |
| enthusiastic-balance5 | $50.00 | $50.00 | 9/7/2010 3:03:44 PM |
| ommcd | $25.00 | $25.00 | 9/7/2010 3:19:30 PM |
| yukongin | $29.74 | $29.74 | 9/7/2010 3:34:10 PM |
| brightest-affluence-motivator | $100.00 | $100.00 | 9/7/2010 5:14:55 PM |
| maximizer | $25.00 | $25.00 | 9/7/2010 6:11:35 PM |
| balanced-bill7 | $50.00 | $50.00 | 9/7/2010 10:34:40 PM |
| octoberfresh | $25.00 | $25.00 | 9/8/2010 8:50:57 AM |
| pfh | $25.00 | $25.00 | 9/8/2010 11:14:48 AM |
| agalt | $100.00 | $100.00 | 9/8/2010 1:37:30 PM |
| heerzaquestion | $25.00 | $25.00 | 9/8/2010 2:08:49 PM |
| favorite-commerce | $30.00 | $30.00 | 9/8/2010 2:36:36 PM |
| Marathoner | $50.00 | $50.00 | 9/8/2010 2:38:05 PM |
| interstellar | $50.00 | $50.00 | 9/8/2010 2:42:21 PM |
| DcUnited | $30.00 | $30.00 | 9/8/2010 2:44:29 PM |
| Investoman | $50.00 | $50.00 | 9/8/2010 3:16:22 PM |
| mpactlender | $25.00 | $25.00 | 9/8/2010 3:16:06 PM |
| the-enterprising-leverage | $25.00 | $25.00 | 9/8/2010 3:17:06 PM |
| Kaj | $30.00 | $30.00 | 9/8/2010 3:17:04 PM |
| burgeoning-silver | $25.00 | $25.00 | 9/8/2010 3:17:40 PM |
| anders94 | $25.00 | $25.00 | 9/8/2010 3:23:28 PM |
| pugmalion | $25.00 | $25.00 | 9/8/2010 3:30:26 PM |
| green-exchange-cannon | $25.00 | $25.00 | 9/8/2010 4:07:59 PM |
| hidavehi | $55.00 | $55.00 | 9/8/2010 7:44:52 PM |
| kegs | $150.00 | $150.00 | 9/7/2010 2:36:43 PM |
| ray1051 | $25.00 | $25.00 | 9/7/2010 2:35:29 PM |
| rescue | $50.00 | $50.00 | 9/7/2010 2:37:40 PM |
| larrybird | $150.00 | $150.00 | 9/7/2010 2:36:57 PM |
| simplelender80 | $250.00 | $250.00 | 9/7/2010 2:41:30 PM |
| loan-wasp | $50.00 | $50.00 | 9/7/2010 2:42:27 PM |
| studious-bonus7 | $100.00 | $100.00 | 9/7/2010 2:41:55 PM |
| authentic-liberty7 | $50.00 | $50.00 | 9/7/2010 2:42:51 PM |
| bid-czar8 | $50.00 | $50.00 | 9/7/2010 2:42:40 PM |
| enthralling-deal180 | $100.00 | $100.00 | 9/7/2010 2:43:00 PM |
| kmr2 | $150.00 | $150.00 | 9/7/2010 2:46:39 PM |
| handshake5 | $25.00 | $25.00 | 9/7/2010 2:45:29 PM |
| mla | $25.00 | $25.00 | 9/7/2010 2:47:05 PM |
| vigorous-note | $50.00 | $50.00 | 9/7/2010 2:47:59 PM |
| bayareainv | $50.00 | $50.00 | 9/7/2010 2:49:47 PM |
| credit-scout7 | $50.00 | $50.00 | 9/7/2010 2:51:00 PM |
| gentle-payout7 | $50.00 | $50.00 | 9/7/2010 2:50:33 PM |
| hookUup | $25.00 | $25.00 | 9/7/2010 2:52:15 PM |
| LSAR | $25.00 | $25.00 | 9/7/2010 2:53:03 PM |
| Tradesmanlender | $25.00 | $25.00 | 9/7/2010 2:56:04 PM |
| BeanCownter | $50.00 | $50.00 | 9/7/2010 2:55:40 PM |
| Artist_Blue | $25.00 | $25.00 | 9/7/2010 2:57:47 PM |
| helpinghand75 | $50.00 | $50.00 | 9/7/2010 2:58:48 PM |
| efficient-treasure0 | $25.00 | $25.00 | 9/7/2010 2:59:28 PM |
| community-pipeline8 | $50.00 | $50.00 | 9/7/2010 3:00:53 PM |
| riproaringrapids | $25.00 | $25.00 | 9/7/2010 3:00:19 PM |
| wise-dedicated-power | $50.00 | $50.00 | 9/7/2010 3:03:38 PM |
| neighborly-bid | $25.00 | $25.00 | 9/7/2010 3:04:02 PM |
| ujiba | $25.00 | $25.00 | 9/7/2010 3:04:31 PM |
| bountiful-durability | $100.00 | $100.00 | 9/7/2010 3:14:47 PM |
| julijask | $25.00 | $25.00 | 9/7/2010 5:14:59 PM |
| soheagle | $50.00 | $50.00 | 9/7/2010 9:56:37 PM |
| the-profit-oracle | $25.00 | $25.00 | 9/7/2010 11:26:29 PM |
| NYCFinancier | $25.00 | $25.00 | 9/8/2010 8:52:14 AM |
| bchen78875 | $25.00 | $25.00 | 9/8/2010 8:52:22 AM |
| worthy-bid8 | $100.00 | $100.00 | 9/8/2010 9:27:31 AM |
| jigsaw | $100.00 | $100.00 | 9/8/2010 10:27:29 AM |
| 6moonbeams | $100.00 | $100.00 | 9/8/2010 11:32:26 AM |
| useful-currency | $25.00 | $25.00 | 9/8/2010 1:02:54 PM |
| tomdooley12520 | $25.00 | $25.00 | 9/8/2010 1:49:10 PM |
| kind-adventurous-finance | $25.00 | $25.00 | 9/8/2010 2:38:12 PM |
| laufer32304 | $100.00 | $100.00 | 9/8/2010 2:38:41 PM |
| HAVEANICEDAY | $25.00 | $25.00 | 9/8/2010 2:41:19 PM |
| ClearLake | $25.00 | $25.00 | 9/8/2010 2:40:39 PM |
| financial-frenzy | $50.00 | $50.00 | 9/8/2010 3:12:40 PM |
| wwwUniversal | $25.00 | $25.00 | 9/8/2010 3:27:17 PM |
| flexible-duty3 | $25.00 | $25.00 | 9/8/2010 3:57:06 PM |
| SomebodysMom | $153.84 | $153.84 | 9/8/2010 3:36:29 PM |
| nickm690 | $50.00 | $50.00 | 9/8/2010 4:39:47 PM |
| happydayloans10 | $25.00 | $25.00 | 9/8/2010 5:09:42 PM |
| bold-social-advantage | $100.00 | $100.00 | 9/8/2010 5:59:15 PM |
| AK49-JW | $25.00 | $11.42 | 9/8/2010 6:52:33 PM |
| 97 bids
|
Borrower Payment Dependent Notes Series
474392
This series of Notes was issued and sold upon the funding of the borrower loan #44430, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $10,000.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 3.5% |
Auction start date:
| Sep-07-2010 |
| |
Auction end date:
| Sep-13-2010 |
|
|
Starting lender yield:
| 10.15% |
Starting borrower rate/APR:
| 11.15% / 13.27% |
Starting monthly payment:
| $328.10 |
|
Final lender yield:
| 10.15% |
Final borrower rate/APR:
| 11.15% / 13.27% |
Final monthly payment:
| $328.10 |
| |
|
Auction yield range:
| 3.89% - 10.15% |
Estimated loss impact:
| 3.53% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.62% | | |
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 score (1-10):
| 9 |
First credit line:
| Feb-1993 |
Debt/Income ratio:
| 16% |
|
Credit score:
| 800-819 (Aug-2010) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
6 | Length of status: | 10y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 31 |
Occupation: | Teacher |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,056 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 3% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| basis-collider |
Borrower's state:
| Illinois |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Replacing the roof on our house
Purpose of loan:
This loan will be used to replace the roof on our house.
My financial situation:
I am a good candidate for this loan because I have a great credit score and have always been punctual when paying bills.
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) |
|
| Weaverville | $25.00 | $25.00 | 9/7/2010 2:29:29 PM |
| kegs | $150.00 | $150.00 | 9/7/2010 2:36:48 PM |
| wise-dedicated-power | $25.00 | $25.00 | 9/7/2010 2:37:21 PM |
| bountiful-durability | $100.00 | $100.00 | 9/7/2010 2:37:58 PM |
| simplelender80 | $250.00 | $250.00 | 9/7/2010 2:41:33 PM |
| loan-wasp | $50.00 | $50.00 | 9/7/2010 2:42:30 PM |
| important-ore | $50.00 | $50.00 | 9/7/2010 2:44:59 PM |
| mla | $25.00 | $25.00 | 9/7/2010 2:47:02 PM |
| integrity-trumpet | $50.00 | $50.00 | 9/7/2010 2:47:18 PM |
| kmr2 | $150.00 | $150.00 | 9/7/2010 2:46:43 PM |
| radforj22 | $25.00 | $25.00 | 9/7/2010 2:50:01 PM |
| finance-magma7 | $100.00 | $100.00 | 9/7/2010 2:49:37 PM |
| credit-scout7 | $50.00 | $50.00 | 9/7/2010 2:51:03 PM |
| danthemon35 | $25.00 | $25.00 | 9/7/2010 2:55:05 PM |
| Artist_Blue | $25.00 | $25.00 | 9/7/2010 2:57:53 PM |
| community-pipeline8 | $50.00 | $50.00 | 9/7/2010 3:00:50 PM |
| neighborly-bid | $25.00 | $25.00 | 9/7/2010 3:04:05 PM |
| integrity-cowbell | $30.00 | $30.00 | 9/7/2010 5:55:51 PM |
| Ripsaw4U | $50.00 | $50.00 | 9/7/2010 9:22:31 PM |
| established-hope5 | $27.89 | $27.89 | 9/7/2010 9:42:21 PM |
| balanced-bill7 | $50.00 | $50.00 | 9/7/2010 10:34:35 PM |
| rbotterbLLC | $25.00 | $25.00 | 9/8/2010 5:33:50 AM |
| octoberfresh | $25.00 | $25.00 | 9/8/2010 8:49:42 AM |
| generous-deal6 | $25.00 | $25.00 | 9/8/2010 9:35:34 AM |
| worthy-bid8 | $100.00 | $100.00 | 9/8/2010 9:27:33 AM |
| johngotti | $50.00 | $50.00 | 9/8/2010 9:49:32 AM |
| pfh | $25.00 | $25.00 | 9/8/2010 11:14:51 AM |
| 6moonbeams | $100.00 | $100.00 | 9/8/2010 11:32:28 AM |
| wise-dedicated-power | $50.00 | $50.00 | 9/8/2010 2:38:07 PM |
| diplomatic-wealth7 | $50.00 | $50.00 | 9/8/2010 2:40:29 PM |
| the-profit-oracle | $25.00 | $25.00 | 9/8/2010 3:16:54 PM |
| efficient-treasure0 | $25.00 | $25.00 | 9/8/2010 3:17:01 PM |
| anders94 | $25.00 | $25.00 | 9/8/2010 3:23:31 PM |
| pugmalion | $44.46 | $44.46 | 9/8/2010 3:31:27 PM |
| AK49-JW | $25.00 | $25.00 | 9/8/2010 6:52:38 PM |
| WilliamLeeSims | $25.00 | $25.00 | 9/8/2010 7:28:08 PM |
| brightest-affluence-motivator | $100.00 | $100.00 | 9/8/2010 8:12:09 PM |
| unbelievable-value2 | $35.00 | $35.00 | 9/8/2010 8:26:09 PM |
| honorable-yield | $50.00 | $50.00 | 9/8/2010 9:52:23 PM |
| mvfreel | $75.00 | $75.00 | 9/8/2010 11:33:56 PM |
| smart-return | $25.00 | $25.00 | 9/9/2010 6:52:29 AM |
| patriot897 | $50.00 | $50.00 | 9/9/2010 10:20:40 AM |
| focused-return366 | $25.00 | $25.00 | 9/9/2010 10:30:50 AM |
| justice-dna | $25.00 | $25.00 | 9/9/2010 10:32:29 AM |
| affluence-animal | $25.00 | $25.00 | 9/9/2010 1:16:34 PM |
| Msbutterfly | $50.00 | $50.00 | 9/9/2010 1:32:49 PM |
| Bio-physicist | $25.00 | $25.00 | 9/9/2010 1:34:53 PM |
| useful-currency | $25.00 | $25.00 | 9/9/2010 1:33:29 PM |
| UOweMe | $25.00 | $25.00 | 9/9/2010 2:37:47 PM |
| DcUnited | $30.00 | $30.00 | 9/9/2010 2:59:39 PM |
| flexible-duty3 | $25.00 | $25.00 | 9/9/2010 3:01:40 PM |
| NYCFinancier | $25.00 | $25.00 | 9/9/2010 3:07:41 PM |
| teller | $50.00 | $50.00 | 9/9/2010 3:12:01 PM |
| mpactlender | $25.00 | $25.00 | 9/9/2010 3:12:34 PM |
| Kaj | $30.00 | $30.00 | 9/9/2010 3:12:11 PM |
| Tech-Entrepreneur | $25.00 | $25.00 | 9/9/2010 3:17:41 PM |
| blissful-note7 | $25.00 | $25.00 | 9/9/2010 4:00:28 PM |
| trade-doughnut5 | $50.00 | $50.00 | 9/9/2010 4:01:06 PM |
| exponential-income | $50.00 | $50.00 | 9/9/2010 4:02:06 PM |
| economy-producer | $25.00 | $25.00 | 9/9/2010 4:04:47 PM |
| penny-chooser | $25.00 | $25.00 | 9/9/2010 4:05:06 PM |
| ml13 | $25.00 | $25.00 | 9/9/2010 4:04:45 PM |
| speedy2shoes | $25.00 | $25.00 | 9/9/2010 4:06:51 PM |
| Walden2007 | $25.00 | $25.00 | 9/9/2010 4:17:17 PM |
| djh47a | $25.00 | $25.00 | 9/9/2010 4:17:36 PM |
| knowledgeable-silver8 | $25.00 | $25.00 | 9/9/2010 5:06:39 PM |
| moola-escalator | $25.00 | $25.00 | 9/9/2010 5:39:53 PM |
| DDPrime | $50.00 | $50.00 | 9/9/2010 6:32:59 PM |
| Easystreet | $25.00 | $25.00 | 9/9/2010 6:40:27 PM |
| Zenith35 | $25.00 | $25.00 | 9/9/2010 7:51:12 PM |
| RG | $25.00 | $25.00 | 9/9/2010 8:59:09 PM |
| credit-sycamore4 | $100.00 | $100.00 | 9/9/2010 9:11:12 PM |
| helick | $25.00 | $25.00 | 9/9/2010 9:48:04 PM |
| jasonrun | $25.00 | $25.00 | 9/9/2010 10:01:50 PM |
| smart-leverage7 | $50.00 | $50.00 | 9/10/2010 12:05:20 AM |
| handy-fund | $50.00 | $50.00 | 9/9/2010 11:59:44 PM |
| rainorshine47 | $50.00 | $50.00 | 9/10/2010 5:20:08 AM |
| rockhound84 | $25.00 | $25.00 | 9/10/2010 5:42:21 AM |
| JoeBanks | $25.00 | $25.00 | 9/10/2010 5:27:47 AM |
| peripatetic | $25.00 | $25.00 | 9/10/2010 6:57:20 AM |
| keeks | $25.00 | $25.00 | 9/10/2010 7:13:00 AM |
| Sefotonga | $25.00 | $25.00 | 9/10/2010 7:12:54 AM |
| Bzbee | $100.00 | $100.00 | 9/10/2010 7:15:26 AM |
| order-wizard | $38.62 | $38.62 | 9/10/2010 9:54:04 AM |
| msfitzge | $25.00 | $25.00 | 9/10/2010 10:18:21 AM |
| yield-quest | $125.00 | $125.00 | 9/10/2010 12:43:11 PM |
| jimduism | $25.00 | $25.00 | 9/10/2010 1:50:59 PM |
| floridahelper | $150.00 | $150.00 | 9/10/2010 4:00:13 PM |
| finance-symphony7 | $50.00 | $50.00 | 9/10/2010 6:29:26 PM |
| BOZO88 | $50.00 | $50.00 | 9/10/2010 6:43:42 PM |
| djmjkelso | $25.00 | $25.00 | 9/10/2010 10:40:37 PM |
| marketplace-cello5 | $25.00 | $25.00 | 9/11/2010 12:26:45 AM |
| best-listing-toro | $25.00 | $25.00 | 9/11/2010 8:07:38 AM |
| McChan | $100.00 | $100.00 | 9/11/2010 1:57:46 PM |
| ethicalhumanist | $50.00 | $50.00 | 9/11/2010 1:52:37 PM |
| crdcteng | $50.00 | $50.00 | 9/11/2010 3:23:49 PM |
| OKPapa | $29.10 | $29.10 | 9/12/2010 1:36:32 AM |
| SC2TX | $100.00 | $100.00 | 9/12/2010 6:10:21 AM |
| SomebodysMom | $250.00 | $250.00 | 9/12/2010 1:00:26 PM |
| adir1 | $25.00 | $25.00 | 9/12/2010 1:38:11 PM |
| la_tim | $60.00 | $60.00 | 9/12/2010 5:55:21 PM |
| new-dollar-sprout | $25.00 | $25.00 | 9/12/2010 7:42:25 PM |
| bullet126 | $50.00 | $50.00 | 9/12/2010 8:43:23 PM |
| gustavholstopus32 | $25.00 | $25.00 | 9/12/2010 6:44:32 PM |
| ray1051 | $25.00 | $25.00 | 9/7/2010 2:35:32 PM |
| GElender | $50.00 | $50.00 | 9/7/2010 2:35:52 PM |
| larrybird | $150.00 | $150.00 | 9/7/2010 2:37:00 PM |
| rescue | $50.00 | $50.00 | 9/7/2010 2:37:43 PM |
| bid-czar8 | $50.00 | $50.00 | 9/7/2010 2:42:42 PM |
| studious-bonus7 | $100.00 | $100.00 | 9/7/2010 2:41:52 PM |
| enthralling-deal180 | $100.00 | $100.00 | 9/7/2010 2:43:02 PM |
| authentic-liberty7 | $50.00 | $50.00 | 9/7/2010 2:42:53 PM |
| jazzlender | $25.00 | $25.00 | 9/7/2010 2:43:09 PM |
| schpere | $25.00 | $25.00 | 9/7/2010 2:45:16 PM |
| handshake5 | $25.00 | $25.00 | 9/7/2010 2:45:32 PM |
| vigorous-note | $50.00 | $50.00 | 9/7/2010 2:48:03 PM |
| ichibon | $200.00 | $200.00 | 9/7/2010 2:48:15 PM |
| yukongin | $100.00 | $100.00 | 9/7/2010 2:49:23 PM |
| objective-investor | $100.00 | $100.00 | 9/7/2010 2:47:34 PM |
| proper-p2p6 | $50.00 | $50.00 | 9/7/2010 2:48:36 PM |
| bayareainv | $50.00 | $50.00 | 9/7/2010 2:49:51 PM |
| efficient-marketplace | $50.00 | $50.00 | 9/7/2010 2:50:23 PM |
| hookUup | $25.00 | $25.00 | 9/7/2010 2:52:19 PM |
| BeanCownter | $50.00 | $50.00 | 9/7/2010 2:55:42 PM |
| Tradesmanlender | $25.00 | $25.00 | 9/7/2010 2:56:07 PM |
| helpinghand75 | $50.00 | $50.00 | 9/7/2010 2:58:51 PM |
| j2ee | $25.00 | $25.00 | 9/7/2010 3:01:22 PM |
| organized-payment6 | $50.00 | $50.00 | 9/7/2010 3:01:49 PM |
| treasure-bison | $25.00 | $25.00 | 9/7/2010 3:41:14 PM |
| Fiimg | $50.00 | $50.00 | 9/7/2010 5:14:27 PM |
| well-mannered-responsibility8 | $25.00 | $25.00 | 9/7/2010 9:44:25 PM |
| soheagle | $50.00 | $50.00 | 9/7/2010 9:56:44 PM |
| julijask | $25.00 | $25.00 | 9/7/2010 11:09:51 PM |
| deal-pledge | $30.00 | $30.00 | 9/8/2010 12:02:19 AM |
| Moneypenny6 | $25.00 | $25.00 | 9/8/2010 5:45:24 AM |
| UncleSafety | $46.61 | $46.61 | 9/8/2010 9:09:54 AM |
| pnace | $35.00 | $35.00 | 9/8/2010 9:35:31 AM |
| sturdy-openness885 | $25.00 | $25.00 | 9/8/2010 10:24:32 AM |
| jigsaw | $100.00 | $100.00 | 9/8/2010 10:27:25 AM |
| heerzaquestion | $25.00 | $25.00 | 9/8/2010 1:48:17 PM |
| agalt | $100.00 | $100.00 | 9/8/2010 1:37:34 PM |
| riproaringrapids | $25.00 | $25.00 | 9/8/2010 2:44:52 PM |
| bchen78875 | $25.00 | $25.00 | 9/8/2010 2:45:18 PM |
| reasonable-transaction7 | $25.00 | $25.00 | 9/8/2010 3:16:45 PM |
| chibear34 | $25.00 | $25.00 | 9/8/2010 3:53:52 PM |
| green-exchange-cannon | $50.00 | $50.00 | 9/8/2010 4:29:40 PM |
| Barky52 | $25.00 | $25.00 | 9/8/2010 5:38:06 PM |
| dickiesweetboy | $50.00 | $50.00 | 9/8/2010 6:29:08 PM |
| shoegal6 | $25.00 | $25.00 | 9/8/2010 8:03:09 PM |
| Binan | $25.00 | $25.00 | 9/9/2010 2:43:13 AM |
| dsgfl1 | $100.00 | $100.00 | 9/9/2010 4:58:55 AM |
| rogue_monster | $50.00 | $50.00 | 9/9/2010 2:32:12 PM |
| blue-useful-auction | $25.00 | $25.00 | 9/9/2010 2:45:00 PM |
| zorg77 | $25.00 | $25.00 | 9/9/2010 2:57:35 PM |
| HAVEANICEDAY | $25.00 | $25.00 | 9/9/2010 2:56:21 PM |
| first-restless-payout | $50.00 | $50.00 | 9/9/2010 2:58:12 PM |
| ClearLake | $25.00 | $25.00 | 9/9/2010 3:09:47 PM |
| Marathoner | $50.00 | $50.00 | 9/9/2010 3:09:28 PM |
| gracej | $25.00 | $25.00 | 9/9/2010 3:11:51 PM |
| Investoman | $50.00 | $50.00 | 9/9/2010 3:12:27 PM |
| bill-mushroom | $25.00 | $25.00 | 9/9/2010 3:12:10 PM |
| JKKCapital | $25.00 | $25.00 | 9/9/2010 3:58:37 PM |
| Ven58 | $25.00 | $25.00 | 9/9/2010 4:00:11 PM |
| MyPFBlog | $25.00 | $25.00 | 9/9/2010 4:00:56 PM |
| credit-coach118 | $25.00 | $25.00 | 9/9/2010 4:02:13 PM |
| raisingophelia | $25.00 | $25.00 | 9/9/2010 4:02:26 PM |
| kind-adventurous-finance | $25.00 | $25.00 | 9/9/2010 4:03:15 PM |
| burgeoning-silver | $25.00 | $25.00 | 9/9/2010 4:03:29 PM |
| lagnisiruk | $25.00 | $25.00 | 9/9/2010 4:05:08 PM |
| dcap3 | $100.00 | $100.00 | 9/9/2010 4:06:27 PM |
| IIP77 | $25.00 | $25.00 | 9/9/2010 4:16:47 PM |
| dime-vista2 | $25.00 | $25.00 | 9/9/2010 4:17:30 PM |
| BankerJohn | $50.00 | $50.00 | 9/9/2010 4:23:21 PM |
| scubakid | $59.51 | $59.51 | 9/9/2010 4:47:00 PM |
| jitster | $50.00 | $50.00 | 9/9/2010 5:09:49 PM |
| credit-superstar3 | $25.00 | $25.00 | 9/9/2010 5:17:30 PM |
| moola-escalator | $25.00 | $25.00 | 9/9/2010 5:39:04 PM |
| auction-sage | $25.00 | $25.00 | 9/9/2010 9:14:01 PM |
| thorough-exchange4 | $50.00 | $50.00 | 9/9/2010 10:05:04 PM |
| Lender97 | $25.00 | $25.00 | 9/9/2010 10:58:42 PM |
| OoM | $25.00 | $25.00 | 9/9/2010 11:11:22 PM |
| green-radiant-durability | $25.00 | $25.00 | 9/9/2010 11:02:19 PM |
| surfhoss644 | $50.00 | $50.00 | 9/9/2010 11:07:22 PM |
| Mauler | $70.00 | $70.00 | 9/10/2010 3:32:12 AM |
| PatriotKnight | $25.00 | $25.00 | 9/10/2010 5:12:36 AM |
| peb44 | $25.00 | $25.00 | 9/10/2010 5:16:13 AM |
| a-finance-nirvana | $25.00 | $25.00 | 9/10/2010 4:48:38 AM |
| maganda1963 | $50.00 | $50.00 | 9/10/2010 6:39:20 AM |
| Rearden_Steel | $25.00 | $25.00 | 9/10/2010 6:48:58 AM |
| shneb | $100.00 | $100.00 | 9/10/2010 6:59:36 AM |
| ljlewis | $25.00 | $25.00 | 9/10/2010 7:13:12 AM |
| minista | $25.00 | $25.00 | 9/10/2010 7:19:18 AM |
| fozkan | $25.00 | $25.00 | 9/10/2010 7:13:11 AM |
| first-fund-empenada | $34.95 | $34.95 | 9/10/2010 8:12:32 AM |
| Rivermaverick | $30.00 | $30.00 | 9/10/2010 8:06:18 AM |
| sound | $50.00 | $50.00 | 9/10/2010 8:49:12 AM |
| CLoViq | $50.00 | $50.00 | 9/10/2010 9:39:35 AM |
| bullwink27 | $25.00 | $25.00 | 9/10/2010 9:41:44 AM |
| attentive-income | $50.00 | $50.00 | 9/10/2010 9:29:12 AM |
| Imagineer | $25.00 | $25.00 | 9/10/2010 9:42:19 AM |
| jeffpac | $50.00 | $50.00 | 9/10/2010 9:29:46 AM |
| Babygear | $50.00 | $50.00 | 9/10/2010 10:15:10 AM |
| Poohcho | $50.00 | $22.05 | 9/10/2010 10:17:29 AM |
| a-community-trailblazer | $100.00 | $100.00 | 9/10/2010 10:37:35 AM |
| LendingCentral | $191.23 | $191.23 | 9/10/2010 11:13:54 AM |
| wirebutterfly | $50.00 | $50.00 | 9/10/2010 12:16:45 PM |
| manfromMaine | $50.00 | $50.00 | 9/10/2010 2:19:18 PM |
| iidowntoearthii | $28.00 | $28.00 | 9/10/2010 3:10:45 PM |
| Spiv_51 | $25.00 | $25.00 | 9/11/2010 3:43:19 AM |
| Dollars4Rent | $25.00 | $25.00 | 9/11/2010 8:44:45 AM |
| money4u2use | $33.08 | $33.08 | 9/11/2010 10:10:31 AM |
| ndwork | $25.00 | $25.00 | 9/12/2010 11:35:12 AM |
| maximizer | $25.00 | $25.00 | 9/12/2010 6:37:51 PM |
| firedoctor | $32.00 | $32.00 | 9/12/2010 8:32:59 PM |
| Squad51 | $50.00 | $50.00 | 9/12/2010 4:26:00 PM |
| pvmnt13 | $25.00 | $25.00 | 9/12/2010 7:55:01 PM |
| Spkthewrd3 | $25.00 | $25.00 | 9/13/2010 6:10:04 AM |
| rdrloan | $37.50 | $37.50 | 9/13/2010 5:22:24 AM |
| 218 bids
|
Borrower Payment Dependent Notes Series
474580
This series of Notes was issued and sold upon the funding of the borrower loan #44402, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $3,974.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.8% |
Auction start date:
| Sep-08-2010 |
| |
Auction end date:
| Sep-15-2010 |
|
|
Starting lender yield:
| 28.50% |
Starting borrower rate/APR:
| 29.50% / 33.10% |
Starting monthly payment:
| $167.62 |
|
Final lender yield:
| 19.50% |
Final borrower rate/APR:
| 20.50% / 23.90% |
Final monthly payment:
| $148.70 |
| |
|
Auction yield range:
| 10.79% - 28.50% |
Estimated loss impact:
| 11.27% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 8.23% | | |
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 score (1-10):
| 5 |
First credit line:
| Oct-1998 |
Debt/Income ratio:
| 18% |
|
Credit score:
| 720-739 (Sep-2010) |
Inquiries last 6m:
| 6 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
12 | Length of status: | 2y 11m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 43 |
Occupation: | Accountant/CPA |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $3,174 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 11 |
Bankcard utilization:
| 30% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| FinanceGuy123 |
Borrower's state:
| Florida |
Borrower's group:
| INVESTAR Lenders |
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
Lender borrower learning Prosper
Purpose of Loan: To get familiar with the borrowing side of Prosper and to propel my credit scored toward an AA category.? I have also begun building a lending portfolio here on Prosper.? This loan will pay off my Discover Card and add to my set-aside for a Jeep Wrangler I have my eye on.? I will be paying cash for the vehicle.?
Employment & Income:? Enjoyable.? I am third in line (behind Owner & VP) of a $35 Million company that provides sanitation services to the military, does hurricane relief and does demolition for the US Government.? I execute all phases of our corporate and government accounting.
My Financial Situation:? Growing comfortable.? I moved to Florida when I was 25 and bought my first home in 2004 at age 29.? Since joining my current employer I have made real progress saving and planning for my future.?
Monthly Cash Budget:? Please refer to my member page for a detailed breakdown.? Thank you for Bidding!!!
Information in the Description is not verified.
Friends And Family Winning Bids
INVESTAR-Lender has bid a total of
$200.00 in winning bids.
"INVESTAR Lenders recommend this loan. Budget is accurate, loan purposes sincere, ability to pay is demonstrated. Group leader has confirmed credit elements and current income. Borrower is on the move, went from HR/E to D during vetting."
friends and family winning bid
Information in Questions and Answers is not verified
Questions & Answers
Q:
Please explain the public record and the delinquincies shown on your listing. Thanks. - tigercat
A:
Thank you for your inquiry... This was due to credit fraud that happened years ago unfortunately.
(Sep-09-2010)
Q:
Hi FinanceGuy, I'm sorry to hear about your credit fraud. When did you find out about it? Good luck. - interest88
A:
Thank you! Approx 4-5 years ago or so...
(Sep-12-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| INVESTAR-Lender | $100.00 | $100.00 | 9/8/2010 2:55:26 PM |
| money_player | $25.00 | $25.00 | 9/9/2010 8:06:04 AM |
| halothane_logic | $50.00 | $50.00 | 9/9/2010 9:12:39 AM |
| BAEVentures | $25.00 | $25.00 | 9/9/2010 1:44:59 PM |
| BAEVentures | $25.00 | $25.00 | 9/9/2010 1:45:21 PM |
| CoolPlexer | $25.00 | $25.00 | 9/9/2010 9:29:43 PM |
| lenderrn | $50.00 | $50.00 | 9/10/2010 7:03:30 AM |
| lostperception | $25.00 | $25.00 | 9/10/2010 8:52:20 AM |
| loanman2007 | $50.00 | $50.00 | 9/13/2010 9:16:42 AM |
| taetrade | $25.00 | $25.00 | 9/13/2010 10:54:32 AM |
| credit-missile | $25.00 | $25.00 | 9/13/2010 5:36:03 PM |
| credit-missile | $25.00 | $25.00 | 9/13/2010 5:36:41 PM |
| bonus-quark4 | $25.00 | $25.00 | 9/14/2010 7:08:57 AM |
| rockhound84 | $25.00 | $25.00 | 9/14/2010 11:41:11 AM |
| santhana | $35.00 | $35.00 | 9/14/2010 10:26:43 AM |
| BrighterSuns | $25.00 | $25.00 | 9/14/2010 2:37:32 PM |
| penny-plato | $50.00 | $50.00 | 9/14/2010 3:07:04 PM |
| chkrvrty | $25.00 | $25.00 | 9/14/2010 3:07:44 PM |
| Kennfusion | $33.00 | $33.00 | 9/14/2010 4:07:38 PM |
| tigercat | $50.00 | $50.00 | 9/14/2010 4:03:54 PM |
| orange-pound-party | $35.00 | $35.00 | 9/14/2010 7:29:00 PM |
| JGuide | $101.08 | $101.08 | 9/14/2010 5:02:31 PM |
| nashibaksi | $25.00 | $25.00 | 9/14/2010 6:59:09 PM |
| rakem777 | $25.00 | $25.00 | 9/14/2010 7:34:56 PM |
| riverflow | $52.05 | $52.05 | 9/14/2010 8:02:27 PM |
| attractive-rate | $25.00 | $25.00 | 9/15/2010 3:04:31 AM |
| gpuck | $100.00 | $100.00 | 9/15/2010 3:24:15 AM |
| enchanted-silver2 | $50.00 | $50.00 | 9/15/2010 3:26:40 AM |
| patriot384 | $100.00 | $40.64 | 9/15/2010 6:30:27 AM |
| joefoolz | $25.00 | $25.00 | 9/15/2010 8:12:15 AM |
| proton346 | $25.00 | $25.00 | 9/15/2010 7:38:20 AM |
| MrMoneyBags | $30.03 | $30.03 | 9/15/2010 9:08:54 AM |
| zippy-market5 | $25.00 | $25.00 | 9/15/2010 7:21:30 AM |
| radiant-return | $50.00 | $50.00 | 9/15/2010 10:06:51 AM |
| tacologic | $25.00 | $25.00 | 9/15/2010 10:13:45 AM |
| Nasdaq | $25.00 | $25.00 | 9/15/2010 7:28:16 AM |
| Eaglehigh | $25.00 | $25.00 | 9/15/2010 10:53:04 AM |
| carrinel | $50.00 | $50.00 | 9/15/2010 8:07:41 AM |
| jybank | $100.00 | $100.00 | 9/15/2010 11:12:06 AM |
| Leshan | $100.00 | $100.00 | 9/15/2010 8:32:20 AM |
| 420limo | $25.00 | $25.00 | 9/15/2010 10:17:53 AM |
| shrewd-income | $25.00 | $25.00 | 9/15/2010 1:16:43 PM |
| KirosPOS | $122.56 | $122.56 | 9/15/2010 9:49:39 AM |
| gpuck | $100.00 | $100.00 | 9/15/2010 12:53:44 PM |
| credit-missile | $25.00 | $25.00 | 9/15/2010 2:25:40 PM |
| friendinmoney | $25.24 | $25.24 | 9/15/2010 2:49:17 PM |
| autoconnection | $25.00 | $25.00 | 9/15/2010 2:30:22 PM |
| gpuck | $50.00 | $50.00 | 9/8/2010 3:34:08 PM |
| loanman2007 | $300.00 | $300.00 | 9/9/2010 11:17:01 AM |
| BAEVentures | $50.00 | $50.00 | 9/9/2010 1:44:36 PM |
| admirable-loyalty | $25.00 | $25.00 | 9/9/2010 1:48:53 PM |
| Octamer | $71.68 | $71.68 | 9/10/2010 7:12:59 AM |
| JGuide | $101.08 | $101.08 | 9/10/2010 5:14:38 PM |
| INVESTAR-Lender | $100.00 | $100.00 | 9/12/2010 7:56:59 AM |
| gpuck | $250.00 | $250.00 | 9/12/2010 11:08:09 AM |
| lendstats_com | $100.00 | $100.00 | 9/12/2010 8:27:38 PM |
| wlm3012 | $25.00 | $25.00 | 9/13/2010 11:30:56 AM |
| FinanceEngine | $25.00 | $25.00 | 9/13/2010 12:19:58 PM |
| credit-missile | $25.00 | $25.00 | 9/13/2010 5:36:22 PM |
| Dollars4Rent | $25.00 | $25.00 | 9/13/2010 5:31:34 PM |
| credit-missile | $25.00 | $25.00 | 9/14/2010 2:06:39 AM |
| Kash2010lu | $25.00 | $25.00 | 9/14/2010 6:42:23 AM |
| corporatejim | $35.00 | $35.00 | 9/14/2010 10:23:20 AM |
| Magician | $25.00 | $25.00 | 9/14/2010 4:11:20 PM |
| Land_on_your_feet | $30.00 | $30.00 | 9/14/2010 6:48:10 PM |
| wealth-pipeline | $25.00 | $25.00 | 9/15/2010 7:18:20 AM |
| rutzebach | $61.63 | $61.63 | 9/15/2010 8:14:51 AM |
| WonByOne | $100.00 | $100.00 | 9/15/2010 9:21:00 AM |
| LeoBUSIIT | $25.00 | $25.00 | 9/15/2010 9:55:05 AM |
| grampy48 | $25.00 | $25.00 | 9/15/2010 10:14:36 AM |
| Phatt-Daddy | $50.00 | $50.00 | 9/15/2010 11:12:35 AM |
| Catz_aplenty | $25.00 | $25.00 | 9/15/2010 11:23:36 AM |
| Fun54115 | $25.00 | $25.00 | 9/15/2010 8:21:19 AM |
| systematic-fairness1 | $100.00 | $100.00 | 9/15/2010 12:40:11 PM |
| shrewd-income | $25.00 | $25.00 | 9/15/2010 1:16:59 PM |
| principal-star | $25.00 | $25.00 | 9/15/2010 9:59:50 AM |
| rockhound84 | $25.00 | $25.00 | 9/15/2010 1:40:28 PM |
| revenue-appraiser | $25.00 | $25.00 | 9/15/2010 2:07:30 PM |
| california5andime | $25.00 | $25.00 | 9/15/2010 2:49:08 PM |
| yu-rik | $75.00 | $75.00 | 9/15/2010 2:49:47 PM |
| Nerdster1 | $25.01 | $25.01 | 9/15/2010 2:52:02 PM |
| cash-prodigy1 | $25.00 | $25.00 | 9/15/2010 2:50:54 PM |
| 82 bids
|
Borrower Payment Dependent Notes Series
474632
This series of Notes was issued and sold upon the funding of the borrower loan #44421, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $5,500.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.8% |
Auction start date:
| Sep-07-2010 |
| |
Auction end date:
| Sep-14-2010 |
|
|
Starting lender yield:
| 32.49% |
Starting borrower rate/APR:
| 33.49% / 37.18% |
Starting monthly payment:
| $244.12 |
|
Final lender yield:
| 32.49% |
Final borrower rate/APR:
| 33.49% / 37.18% |
Final monthly payment:
| $244.12 |
| |
|
Auction yield range:
| 10.79% - 32.49% |
Estimated loss impact:
| 11.63% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 20.86% | | |
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 score (1-10):
| 9 |
First credit line:
| Jan-1995 |
Debt/Income ratio:
| 5% |
|
Credit score:
| 640-659 (Aug-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 2 |
Current / open credit lines:
| 7
/
7 | Length of status: | 1y 9m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 19 |
Occupation: | Retail Management |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $2,341 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 84% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| top-phenomenal-loan |
Borrower's state:
| Tennessee |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
My loan for home improvement
Purpose of loan:
This loan will be used to?Replace my roof.?
My financial situation:
I am a good candidate for this loan because?I am solid, 20 years as a sales manager at Nissan? Dealerships.?? 10 years at my current address and I am buying th home.? I view borrowing as a serious commitment.? My debt ratio is great and my scores.?Most of all I pay my debts and pay on time.?Thank You.?
Monthly net income: $ 6000.00
Monthly expenses: $
??Housing: $ 1350.00
??Insurance: $ 150.00
??Car expenses: $ 00.00
??Utilities: $ 250.00
??Phone, cable, internet: $100.00
??Food, entertainment: $ 200.00
??Clothing, household expenses $ 100.00
??Credit cards and other loans: $ 275.00
??Other expenses: $ 100.00
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
I agree that your ratios and scores are good! I am having some trouble with the timelines: 20 yrs as Sales Mgr with (same?) company; 15 yrs since 1st credit card; 1.75 yrs employed...is there a typo or other explanation to take away the mystery? Thx - proton346
A:
I have been a Sales Manager with Nissan Dealerships 20 years total, three different dealerships in that 20 years, last store for 10 years, at present store 1.8 years, previous store sold. Please feel free to ask any further questions. Thank You.
(Sep-09-2010)
Q:
See my page please. thank you - Tono
A:
My total monthly expenses are $2,250.00 and my net bring home is over $6,500.00. If you have any further questions please contact me, Thank You.
(Sep-10-2010)
Q:
Why aren't you paying for your roof with cash? You should have enough money with two months of your paycheck leftover. - careful-compassion
A:
Total cost for roof with materials and labor is over $16,000.00 , have all but about $6000.00 and I need to get it done a.s.a.p. It also depletes all of my emergency funds. If you have any further question please feel free to ask, Thank You.
(Sep-11-2010)
Q:
Why not use a credit card? Most have interest rates better than 33%. - enchanted-silver2
A:
Do not have that much available, and I do not care for credit cards ,please feel free to ask any further questions, Thank You.
(Sep-13-2010)
Q:
How do you explain the 2 delinquencies now showing on your profile? - RecoveryLender
A:
I don't know what delinquencies are showing ,I suspect it's something old from the past still showing ? But I'm unsure , please tell me wait it shows, and I'll be happy to explain , please feel free to ask any questions. Thank You
(Sep-14-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| EBITDA | $25.00 | $25.00 | 9/7/2010 2:43:40 PM |
| danthemon35 | $25.00 | $25.00 | 9/7/2010 2:54:32 PM |
| jamiee73 | $25.00 | $25.00 | 9/7/2010 3:16:56 PM |
| green-rapid-openness | $50.00 | $50.00 | 9/7/2010 9:18:17 PM |
| green-rapid-openness | $50.00 | $50.00 | 9/7/2010 9:18:59 PM |
| cash-spark3 | $25.00 | $25.00 | 9/7/2010 11:17:39 PM |
| tech310 | $50.00 | $50.00 | 9/7/2010 11:52:29 PM |
| kulender | $50.00 | $50.00 | 9/8/2010 8:02:52 AM |
| pfh | $25.00 | $25.00 | 9/8/2010 11:15:56 AM |
| zipemdown | $50.00 | $50.00 | 9/8/2010 5:22:34 PM |
| burrito6 | $25.00 | $25.00 | 9/9/2010 7:24:41 AM |
| patriot897 | $25.00 | $25.00 | 9/9/2010 10:19:25 AM |
| proton346 | $25.00 | $25.00 | 9/9/2010 2:42:01 PM |
| worthy-bid8 | $25.00 | $25.00 | 9/9/2010 3:17:47 PM |
| Tono | $30.00 | $30.00 | 9/9/2010 7:38:06 PM |
| iakona | $50.00 | $50.00 | 9/9/2010 10:49:00 PM |
| inforapenny | $25.00 | $25.00 | 9/9/2010 10:52:09 PM |
| AF-Chief | $25.00 | $25.00 | 9/10/2010 6:29:38 AM |
| frogperson | $150.00 | $150.00 | 9/10/2010 3:09:03 PM |
| AlexTrep | $25.00 | $25.00 | 9/10/2010 3:12:17 PM |
| thedreamer | $25.00 | $25.00 | 9/10/2010 3:15:29 PM |
| lender987654321 | $25.00 | $25.00 | 9/10/2010 3:16:46 PM |
| victor111 | $50.00 | $50.00 | 9/11/2010 12:22:32 AM |
| zorg77 | $25.00 | $25.00 | 9/11/2010 12:13:33 PM |
| Credit4Talent | $35.00 | $35.00 | 9/12/2010 11:32:59 AM |
| marketplace-cello5 | $25.00 | $25.00 | 9/12/2010 4:08:15 PM |
| loss-of-control | $50.00 | $50.00 | 9/12/2010 4:21:08 PM |
| thrifty-capital | $25.00 | $25.00 | 9/12/2010 4:24:43 PM |
| loss-of-control | $25.00 | $25.00 | 9/12/2010 4:22:17 PM |
| balanced-bill7 | $29.12 | $29.12 | 9/13/2010 12:39:25 AM |
| enchanted-silver2 | $25.55 | $25.55 | 9/13/2010 7:48:00 AM |
| squarebob | $25.00 | $25.00 | 9/13/2010 11:31:22 AM |
| lendstats_com | $200.00 | $200.00 | 9/13/2010 1:44:25 PM |
| oreyedoc | $50.00 | $50.00 | 9/13/2010 10:52:51 AM |
| marinbb | $25.00 | $25.00 | 9/13/2010 7:08:46 PM |
| greenback-chairman5 | $25.00 | $25.00 | 9/13/2010 7:49:55 PM |
| Sudoku | $112.17 | $112.17 | 9/13/2010 9:02:30 PM |
| interstellar | $50.00 | $50.00 | 9/14/2010 12:18:55 AM |
| Ven58 | $25.00 | $25.00 | 9/14/2010 12:05:35 AM |
| orange-preeminant-bill | $45.44 | $45.44 | 9/14/2010 1:28:38 AM |
| laufer32304 | $36.02 | $36.02 | 9/14/2010 6:24:23 AM |
| Leshan | $27.39 | $27.39 | 9/14/2010 8:54:01 AM |
| wwwUniversal | $25.00 | $25.00 | 9/14/2010 6:57:32 AM |
| credit-elation1 | $25.00 | $25.00 | 9/14/2010 8:59:44 AM |
| kenang1 | $30.00 | $30.00 | 9/14/2010 11:01:03 AM |
| branaa99 | $25.00 | $25.00 | 9/14/2010 11:22:07 AM |
| sturdy-peace9 | $75.00 | $75.00 | 9/14/2010 10:55:33 AM |
| RoccoLoan | $50.00 | $50.00 | 9/14/2010 11:11:09 AM |
| coin-amigo | $25.00 | $25.00 | 9/14/2010 11:18:58 AM |
| simplelender80 | $100.00 | $100.00 | 9/7/2010 2:44:12 PM |
| handshake5 | $25.00 | $25.00 | 9/7/2010 2:46:16 PM |
| loyalist1 | $50.00 | $50.00 | 9/7/2010 2:50:48 PM |
| bid-czar8 | $50.00 | $50.00 | 9/7/2010 2:51:54 PM |
| nickel-demon2 | $100.00 | $100.00 | 9/7/2010 2:57:37 PM |
| neighborly-bid | $25.00 | $25.00 | 9/7/2010 3:04:28 PM |
| beakerfish | $375.00 | $375.00 | 9/7/2010 5:54:50 PM |
| green-rapid-openness | $50.00 | $50.00 | 9/7/2010 9:18:32 PM |
| green-rapid-openness | $50.00 | $50.00 | 9/7/2010 9:17:52 PM |
| cash-spark3 | $25.00 | $25.00 | 9/7/2010 11:17:12 PM |
| cash-spark3 | $25.00 | $25.00 | 9/7/2010 11:17:55 PM |
| cash-spark3 | $25.00 | $25.00 | 9/7/2010 11:18:24 PM |
| cash-spark3 | $25.00 | $25.00 | 9/7/2010 11:18:09 PM |
| cash-spark3 | $25.00 | $25.00 | 9/7/2010 11:18:35 PM |
| enthralling-deal180 | $100.00 | $100.00 | 9/8/2010 8:02:41 AM |
| booOST | $100.00 | $100.00 | 9/8/2010 8:37:41 AM |
| finance-magma7 | $48.89 | $48.89 | 9/8/2010 8:58:42 AM |
| Rattlehead | $25.00 | $25.00 | 9/8/2010 10:49:43 AM |
| 6moonbeams | $25.00 | $25.00 | 9/8/2010 11:33:23 AM |
| oath163 | $40.00 | $40.00 | 9/8/2010 4:14:19 PM |
| principal-mermaid | $355.14 | $355.14 | 9/9/2010 6:16:48 AM |
| reward-adventure | $30.00 | $30.00 | 9/9/2010 7:24:38 AM |
| Artist_Blue | $25.00 | $25.00 | 9/10/2010 7:43:33 AM |
| rescue | $50.00 | $50.00 | 9/10/2010 3:13:22 PM |
| Tono | $40.00 | $40.00 | 9/10/2010 4:16:15 PM |
| booOST | $100.00 | $100.00 | 9/10/2010 6:39:48 PM |
| awesome-silver | $100.00 | $100.00 | 9/10/2010 9:43:47 PM |
| generous-deal6 | $50.00 | $50.00 | 9/11/2010 6:03:05 PM |
| qtmspin | $41.83 | $41.83 | 9/12/2010 9:46:07 AM |
| loss-of-control | $25.00 | $25.00 | 9/12/2010 4:21:45 PM |
| kindness-hickory5 | $50.00 | $50.00 | 9/12/2010 4:24:46 PM |
| finance_mba | $25.00 | $25.00 | 9/12/2010 7:17:23 PM |
| loans_to_loan | $25.00 | $25.00 | 9/12/2010 8:15:10 PM |
| moola-monger9 | $50.00 | $50.00 | 9/12/2010 4:38:32 PM |
| marketplace-spark | $40.00 | $40.00 | 9/12/2010 11:37:14 PM |
| kginatl | $50.00 | $50.00 | 9/13/2010 4:22:39 AM |
| copper | $50.00 | $50.00 | 9/13/2010 12:39:27 AM |
| minnesotafinancial | $25.00 | $25.00 | 9/13/2010 8:41:10 AM |
| missing-link | $25.00 | $25.00 | 9/13/2010 10:08:39 AM |
| squarebob | $25.00 | $25.00 | 9/13/2010 11:31:49 AM |
| saysana | $25.00 | $25.00 | 9/13/2010 2:02:34 PM |
| circustab | $50.00 | $50.00 | 9/13/2010 1:50:42 PM |
| genuine-responsibility8 | $50.00 | $50.00 | 9/13/2010 5:51:35 PM |
| courteous-kindness1 | $75.00 | $75.00 | 9/13/2010 5:50:45 PM |
| beakerfish | $400.00 | $283.92 | 9/13/2010 6:14:55 PM |
| marinbb | $50.00 | $50.00 | 9/13/2010 7:08:30 PM |
| helping-out | $50.00 | $50.00 | 9/13/2010 7:12:48 PM |
| rockhound84 | $25.00 | $25.00 | 9/14/2010 1:43:17 AM |
| Evolver | $50.00 | $50.00 | 9/14/2010 6:57:13 AM |
| bonus-quark4 | $25.00 | $25.00 | 9/14/2010 7:00:33 AM |
| ice518 | $46.21 | $46.21 | 9/14/2010 6:55:24 AM |
| sentimental-commerce1 | $63.32 | $63.32 | 9/14/2010 7:00:55 AM |
| credit-coach118 | $25.00 | $25.00 | 9/14/2010 8:53:45 AM |
| musegaze | $100.00 | $100.00 | 9/14/2010 9:28:37 AM |
| Ronnieboy888 | $25.00 | $25.00 | 9/14/2010 10:27:06 AM |
| dough-rocket | $50.00 | $50.00 | 9/14/2010 11:49:14 AM |
| Bob450 | $40.00 | $40.00 | 9/14/2010 11:41:01 AM |
| 106 bids
|
Borrower Payment Dependent Notes Series
474644
This series of Notes was issued and sold upon the funding of the borrower loan #44427, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,750.00 |
Prosper Rating:
| B |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 6.0% |
Auction start date:
| Sep-07-2010 |
| |
Auction end date:
| Sep-14-2010 |
|
|
Starting lender yield:
| 14.15% |
Starting borrower rate/APR:
| 15.15% / 17.32% |
Starting monthly payment:
| $95.53 |
|
Final lender yield:
| 12.11% |
Final borrower rate/APR:
| 13.11% / 15.26% |
Final monthly payment:
| $92.80 |
| |
|
Auction yield range:
| 5.79% - 14.15% |
Estimated loss impact:
| 6.15% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.96% | | |
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 score (1-10):
| 8 |
First credit line:
| Aug-2000 |
Debt/Income ratio:
| 26% |
|
Credit score:
| 740-759 (Aug-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
10 | Length of status: | 5y 11m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 21 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $8,404 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 33% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| first-gallant-fund |
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.
Description
Pay off credit cards!
Purpose of loan:This loan will be used to? pay off high-interest credit card debt.My financial situation:I am a good candidate for this loan because? I always pay my bills on time.Monthly net income: $ 3320Monthly expenses: $ ??Housing: $ 470??Insurance: $ 10??Car expenses: $0 - car is paid off!???Utilities: $ 57.50??Phone, cable, internet: $ 66??Food, entertainment: $ 150??Clothing, household expenses $ 50??Credit cards and other loans: $ 300??Other expenses: $ 0
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:
Hi,
what is your job? What are your total debts?
Thanks, - p2ploan-sensation211
A:
Hi,
I am a Senior Branch Administrator at a Fortune 500 company. I have about $10,000 remaining in student loan debt, and $8,000 in credit card debt. My loan is not for my entire credit card debt because I have them under control; one of my cards raised my interest rate unexpectedly.
(Sep-10-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| wwwUniversal | $25.00 | $25.00 | 9/8/2010 10:27:18 AM |
| CASSHMAN | $50.00 | $50.00 | 9/8/2010 7:31:47 PM |
| khamlagirl | $25.00 | $25.00 | 9/8/2010 7:54:12 PM |
| gizmo65 | $25.90 | $25.90 | 9/9/2010 5:23:11 AM |
| pueblopablo | $30.00 | $30.00 | 9/9/2010 6:36:34 AM |
| SamuelChee | $25.14 | $25.14 | 9/9/2010 10:39:07 AM |
| Nicedad72 | $25.00 | $25.00 | 9/9/2010 12:44:04 PM |
| Lefty_the_Lender | $25.00 | $25.00 | 9/9/2010 2:25:05 PM |
| Hotrod52 | $25.00 | $25.00 | 9/11/2010 6:33:34 AM |
| deal_11 | $50.00 | $50.00 | 9/11/2010 10:33:42 AM |
| Tabster | $25.00 | $25.00 | 9/11/2010 11:53:19 AM |
| BankofBeth | $25.00 | $25.00 | 9/12/2010 11:55:27 AM |
| Johnab | $25.00 | $25.00 | 9/12/2010 12:45:10 PM |
| 4mydaughterseducation | $25.00 | $25.00 | 9/12/2010 3:10:01 PM |
| Techne_Funds_LLC | $25.00 | $25.00 | 9/12/2010 8:17:23 PM |
| jslo722 | $25.00 | $25.00 | 9/12/2010 8:49:17 PM |
| ScottFinance | $25.00 | $25.00 | 9/13/2010 8:24:49 AM |
| BigMac1953 | $25.00 | $25.00 | 9/13/2010 10:22:15 AM |
| mpatrick | $25.00 | $25.00 | 9/13/2010 11:34:22 AM |
| Cherrypicker | $50.00 | $50.00 | 9/13/2010 12:26:05 PM |
| agreement-bunny | $25.00 | $25.00 | 9/13/2010 3:38:12 PM |
| EliteCapital | $50.00 | $50.00 | 9/13/2010 6:14:42 PM |
| MarcusOcean | $50.00 | $50.00 | 9/13/2010 11:18:46 PM |
| availableloan | $25.00 | $25.00 | 9/13/2010 11:21:45 PM |
| EJO | $25.00 | $25.00 | 9/14/2010 12:15:07 AM |
| olin5 | $28.00 | $28.00 | 9/14/2010 4:15:45 AM |
| Mrgiggleswic | $50.00 | $50.00 | 9/14/2010 4:48:54 AM |
| A11CREDIT | $27.24 | $27.24 | 9/14/2010 4:53:53 AM |
| durable-investment8 | $25.00 | $25.00 | 9/14/2010 9:26:47 AM |
| rate-hickory | $25.00 | $25.00 | 9/14/2010 8:01:32 AM |
| FIRE09 | $50.00 | $50.00 | 9/14/2010 8:43:20 AM |
| wild-orange | $25.00 | $25.00 | 9/14/2010 9:51:16 AM |
| Buenaventura | $25.00 | $25.00 | 9/14/2010 10:39:28 AM |
| myidear | $25.00 | $25.00 | 9/14/2010 12:56:37 PM |
| santhana | $70.00 | $70.00 | 9/14/2010 10:22:25 AM |
| DasMula | $25.00 | $25.00 | 9/14/2010 1:29:08 PM |
| Engineer44 | $25.00 | $25.00 | 9/14/2010 2:23:39 PM |
| 12Knocksinna | $25.00 | $21.51 | 9/14/2010 1:59:00 PM |
| JaceSpade | $25.00 | $25.00 | 9/14/2010 12:25:31 PM |
| friendinmoney | $52.01 | $52.01 | 9/14/2010 2:23:34 PM |
| economy-popcorn | $25.00 | $25.00 | 9/14/2010 2:09:45 PM |
| timepassport | $25.00 | $25.00 | 9/7/2010 3:05:10 PM |
| Montgomery-Burns | $25.00 | $25.00 | 9/7/2010 5:12:05 PM |
| FinanceEngine | $25.00 | $25.00 | 9/7/2010 5:48:14 PM |
| credit-coach118 | $25.00 | $25.00 | 9/8/2010 8:53:47 AM |
| Sealion | $50.00 | $50.00 | 9/8/2010 11:39:07 AM |
| MarcusJames04 | $100.00 | $100.00 | 9/8/2010 1:32:06 PM |
| FoosMaster | $25.00 | $25.00 | 9/8/2010 2:24:11 PM |
| stephen_c01 | $25.00 | $25.00 | 9/8/2010 3:00:47 PM |
| Earn_money | $25.33 | $25.33 | 9/9/2010 7:26:57 AM |
| bonus-sensai825 | $25.00 | $25.00 | 9/9/2010 8:58:53 AM |
| exchange-dreams | $25.00 | $25.00 | 9/9/2010 7:32:10 PM |
| Flanders122 | $25.00 | $25.00 | 9/9/2010 8:47:48 PM |
| bejfishing | $25.00 | $25.00 | 9/10/2010 6:55:53 AM |
| pythia | $25.00 | $25.00 | 9/10/2010 10:07:33 AM |
| lilgates26 | $25.00 | $25.00 | 9/10/2010 6:33:01 PM |
| KimsKash | $50.00 | $50.00 | 9/10/2010 10:39:49 PM |
| portfolio-turbine | $25.00 | $25.00 | 9/11/2010 8:56:14 AM |
| brwnidgirl | $100.00 | $100.00 | 9/12/2010 7:27:02 AM |
| rmpedi33 | $50.00 | $50.00 | 9/12/2010 8:02:09 AM |
| Nopayibreakurlegs | $53.00 | $53.00 | 9/12/2010 12:19:28 PM |
| loss-of-control | $25.00 | $25.00 | 9/12/2010 4:24:12 PM |
| PAPAT | $25.00 | $25.00 | 9/12/2010 4:53:52 PM |
| MattProsper | $60.00 | $60.00 | 9/12/2010 6:02:33 PM |
| BuzzyBee336 | $30.00 | $30.00 | 9/12/2010 6:24:05 PM |
| Investoman | $50.00 | $50.00 | 9/12/2010 5:26:01 PM |
| scientists | $25.00 | $25.00 | 9/13/2010 9:48:21 AM |
| exchange-jet | $25.00 | $25.00 | 9/13/2010 2:21:16 PM |
| a8h8a8 | $25.00 | $25.00 | 9/13/2010 4:01:12 PM |
| redtilapia | $25.00 | $25.00 | 9/13/2010 6:26:27 PM |
| rockhound84 | $25.00 | $25.00 | 9/13/2010 11:00:47 PM |
| productive-finance | $28.31 | $28.31 | 9/14/2010 6:24:10 AM |
| bonus-quark4 | $25.00 | $25.00 | 9/14/2010 7:02:24 AM |
| 2020 | $25.00 | $25.00 | 9/14/2010 7:59:37 AM |
| enchanted-silver2 | $25.00 | $25.00 | 9/14/2010 8:39:21 AM |
| BeanCownter | $50.00 | $50.00 | 9/14/2010 6:33:59 AM |
| jsnryn | $25.00 | $25.00 | 9/14/2010 7:19:00 AM |
| radiant-return | $50.00 | $50.00 | 9/14/2010 12:19:07 PM |
| grampy48 | $25.00 | $25.00 | 9/14/2010 1:14:57 PM |
| ericsb | $61.46 | $61.46 | 9/14/2010 1:52:57 PM |
| KTOWN | $37.10 | $37.10 | 9/14/2010 2:03:52 PM |
| Phatt-Daddy | $50.00 | $50.00 | 9/14/2010 2:11:39 PM |
| 82 bids
|
Borrower Payment Dependent Notes Series
474698
This series of Notes was issued and sold upon the funding of the borrower loan #44433, 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:
| 36.6% |
Auction start date:
| Sep-07-2010 |
| |
Auction end date:
| Sep-11-2010 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $339.27 |
|
Final lender yield:
| 33.00% |
Final borrower rate/APR:
| 34.00% / 37.70% |
Final monthly payment:
| $335.04 |
| |
|
Auction yield range:
| 16.79% - 34.00% |
Estimated loss impact:
| 38.55% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -5.55% | | |
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 score (1-10):
| 1 |
First credit line:
| Oct-1995 |
Debt/Income ratio:
| 38% |
|
Credit score:
| 700-719 (Sep-2010) |
Inquiries last 6m:
| 9 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
13 | Length of status: | 12y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 35 |
Occupation: | Military Officer |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $67,096 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 81% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| punctual-loyalty6 |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying Off Installment Loans
Purpose of loan:
This loan will be used to pay off unsecured debt with Kay Jewelers & Citi Financial Retail.
My financial situation:
I am a good candidate for this loan because I understand the importance of maintaining good credit and will repay my obligation on time or before payoff is due.
Monthly net income: $ 10650.49
Monthly expenses: $
??Housing: $ 998.04
??Insurance: $ 91.01
??Car expenses: $ 1021.00
??Utilities: $ 250.00
??Phone, cable, internet: $?85.00
??Food, entertainment: $ 450.00
??Clothing, household expenses $ 275.00
??Credit cards and other loans: $ 2619.00
??Other expenses: $
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
See my page please. good luck - Tono
A:
Tono, this information has already been provided on my page. Let me know if you cannot verify it...
(Sep-10-2010)
Q:
Can you tell me your rank and career intentions? Thanks. - Integrity1st
A:
Rank/LCDR
Career Intentions- 20plus yrs and retire.
(Sep-10-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| MilitaryLending | $25.00 | $25.00 | 9/7/2010 2:27:38 PM |
| DenimCapital | $76.75 | $76.75 | 9/9/2010 7:26:02 AM |
| loanman2007 | $300.00 | $300.00 | 9/9/2010 11:04:37 AM |
| Kennfusion | $100.00 | $100.00 | 9/9/2010 11:25:22 AM |
| JGuide | $100.08 | $100.08 | 9/9/2010 11:17:28 AM |
| exciting-fairness | $200.00 | $200.00 | 9/9/2010 2:12:58 PM |
| reflective-rupee | $100.00 | $100.00 | 9/9/2010 3:25:55 PM |
| reflective-rupee | $100.00 | $100.00 | 9/9/2010 3:25:39 PM |
| reflective-rupee | $25.00 | $25.00 | 9/9/2010 3:26:27 PM |
| well-mannered-income3 | $200.00 | $200.00 | 9/9/2010 5:33:44 PM |
| Integrity1st | $25.00 | $25.00 | 9/9/2010 6:14:29 PM |
| gjm6d | $25.00 | $25.00 | 9/9/2010 6:43:23 PM |
| Tono | $30.00 | $30.00 | 9/9/2010 7:03:34 PM |
| abnvette | $25.00 | $25.00 | 9/9/2010 7:45:09 PM |
| tigercat | $50.00 | $50.00 | 9/9/2010 8:31:45 PM |
| KSgirl89 | $50.00 | $50.00 | 9/9/2010 10:15:27 PM |
| TMac | $25.00 | $25.00 | 9/10/2010 6:27:34 AM |
| JGuide | $50.08 | $50.08 | 9/10/2010 8:47:16 AM |
| minnesotafinancial | $25.00 | $25.00 | 9/10/2010 8:20:47 AM |
| proton346 | $25.00 | $25.00 | 9/10/2010 11:36:58 AM |
| WonByOne | $50.00 | $50.00 | 9/10/2010 2:40:38 PM |
| SFBank | $100.00 | $100.00 | 9/10/2010 6:48:31 PM |
| Integrity1st | $100.00 | $100.00 | 9/10/2010 6:52:48 PM |
| MilitaryLending | $190.00 | $190.00 | 9/8/2010 5:27:53 PM |
| Military-2-Military | $2,000.00 | $2,000.00 | 9/9/2010 7:40:47 AM |
| Kash2010lu | $75.00 | $75.00 | 9/9/2010 8:49:06 AM |
| WonByOne | $25.00 | $25.00 | 9/9/2010 10:05:09 AM |
| JGuide | $100.08 | $100.08 | 9/9/2010 9:49:58 AM |
| tacologic | $140.00 | $140.00 | 9/9/2010 11:27:59 AM |
| loanman2007 | $200.00 | $200.00 | 9/9/2010 12:09:16 PM |
| PrepWonder | $25.00 | $25.00 | 9/9/2010 12:45:04 PM |
| reflective-rupee | $25.00 | $25.00 | 9/9/2010 3:26:11 PM |
| vigilance-apple3 | $200.00 | $200.00 | 9/9/2010 4:36:51 PM |
| wattboy | $92.75 | $92.75 | 9/9/2010 5:22:00 PM |
| nodebt2012 | $55.83 | $55.83 | 9/9/2010 6:11:38 PM |
| gpuck | $100.00 | $100.00 | 9/9/2010 6:24:46 PM |
| loan-kung-fu | $500.00 | $500.00 | 9/9/2010 8:18:42 PM |
| quickstep | $500.00 | $346.15 | 9/10/2010 1:52:32 AM |
| loan-kung-fu | $500.00 | $500.00 | 9/10/2010 2:42:45 AM |
| courteous-bazaar | $150.00 | $150.00 | 9/10/2010 8:57:04 AM |
| halothane_logic | $200.00 | $200.00 | 9/10/2010 9:05:14 AM |
| Starfin-Capital-Management | $75.00 | $75.00 | 9/10/2010 12:03:02 PM |
| zone6 | $353.85 | $353.85 | 9/10/2010 11:03:06 PM |
| zone6 | $153.85 | $153.85 | 9/10/2010 11:03:56 PM |
| awesome-silver | $100.00 | $100.00 | 9/10/2010 9:38:21 PM |
| zone6 | $85.58 | $85.58 | 9/10/2010 11:04:16 PM |
| 46 bids
|