Sales Report:Supplement No. 56 dated Oct 18, 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
429161
This series of Notes was issued and sold upon the funding of the borrower loan #44828, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $3,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.8% |
Auction start date:
| Oct-12-2010 |
| |
Auction end date:
| Oct-14-2010 |
|
|
Starting lender yield:
| 26.50% |
Starting borrower rate/APR:
| 27.50% / 31.05% |
Starting monthly payment:
| $123.28 |
|
Final lender yield:
| 26.50% |
Final borrower rate/APR:
| 27.50% / 31.05% |
Final monthly payment:
| $123.28 |
| |
|
Auction yield range:
| 10.71% - 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):
| 6 |
First credit line:
| Jul-1994 |
Debt/Income ratio:
| 23% |
|
Credit score:
| 760-779 (Oct-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 16
/
12 | Length of status: | 15y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 43 |
Occupation: | Bus Driver |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $19,050 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 75% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| herman79 |
Borrower's state:
| Oregon |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to pay off and cancel three credit cards.
My financial situation:
I am a good candidate for this loan because I always pay off my debts, I have a good, steady source of income and my wife and I just bought a house that we intend to stay in. My wife has been with her current employer for eleven years and we are both working to steadily improve our financial situation.
Monthly net income: $ 3500 (myself) $6000 (combined)
Monthly expenses: $
??Housing: $1375
??Insurance: $100
??Car expenses: $100
??Utilities: $250
??Phone, cable, internet: $200
??Food, entertainment: $300
??Clothing, household expenses $300
??Credit cards and other loans: $800
??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) |
|
| papaloha | $25.00 | $25.00 | 10/12/2010 9:45:42 AM |
| bid-czar8 | $25.00 | $25.00 | 10/12/2010 9:58:47 AM |
| handshake5 | $100.00 | $100.00 | 10/12/2010 9:58:33 AM |
| sfmf | $25.00 | $25.00 | 10/12/2010 10:04:14 AM |
| bold-attentive-listing | $25.00 | $25.00 | 10/12/2010 10:08:57 AM |
| BrLender | $25.00 | $25.00 | 10/12/2010 10:27:33 AM |
| gentle-social0 | $25.00 | $25.00 | 10/12/2010 10:20:02 AM |
| crenen139 | $25.00 | $25.00 | 10/12/2010 10:30:10 AM |
| preventivepestcontrol | $75.00 | $75.00 | 10/12/2010 11:00:13 AM |
| worthy-bid8 | $25.00 | $25.00 | 10/12/2010 5:23:20 PM |
| loss-of-control | $50.00 | $50.00 | 10/12/2010 6:56:25 PM |
| nilonc1 | $75.00 | $75.00 | 10/12/2010 5:47:57 PM |
| SolarMoonshine | $25.00 | $25.00 | 10/12/2010 6:06:47 PM |
| blue-useful-auction | $25.00 | $25.00 | 10/12/2010 5:11:35 PM |
| teller | $50.00 | $50.00 | 10/12/2010 6:18:58 PM |
| nickelasaurus-rex | $25.00 | $25.00 | 10/12/2010 10:17:48 PM |
| loss-of-control | $50.00 | $50.00 | 10/12/2010 6:56:06 PM |
| newest-investment-elevator | $25.00 | $25.00 | 10/12/2010 9:14:01 PM |
| mighty-commerce7 | $25.00 | $25.00 | 10/13/2010 4:43:37 AM |
| rakey | $25.00 | $25.00 | 10/13/2010 9:48:03 AM |
| Whipster | $25.00 | $25.00 | 10/13/2010 9:48:29 AM |
| MasterKey | $50.00 | $50.00 | 10/13/2010 11:50:40 AM |
| ethicalhumanist | $50.00 | $50.00 | 10/13/2010 2:46:56 PM |
| integrity-doctor | $100.00 | $100.00 | 10/13/2010 2:40:13 PM |
| bold-shrewd-duty | $50.00 | $50.00 | 10/13/2010 3:02:57 PM |
| DSFinancial | $50.00 | $50.00 | 10/13/2010 3:03:35 PM |
| well-mannered-income3 | $40.00 | $40.00 | 10/13/2010 8:24:23 PM |
| cash-spark3 | $50.00 | $50.00 | 10/14/2010 12:39:44 AM |
| simplelender80 | $26.98 | $26.98 | 10/13/2010 10:09:16 PM |
| rescue | $26.98 | $26.98 | 10/14/2010 7:54:32 AM |
| Asian-Persuasion | $25.00 | $25.00 | 10/14/2010 5:51:54 AM |
| rupee-prairie | $50.00 | $50.00 | 10/14/2010 7:28:36 AM |
| MadHun | $100.00 | $100.00 | 10/14/2010 8:53:58 AM |
| doopers | $25.00 | $25.00 | 10/14/2010 6:30:07 AM |
| Iloanyoumoney | $25.00 | $25.00 | 10/14/2010 7:16:33 AM |
| top-courteous-peso | $50.00 | $50.00 | 10/12/2010 9:46:05 AM |
| tech310 | $50.00 | $50.00 | 10/12/2010 9:51:02 AM |
| ingenious-deal6 | $25.00 | $25.00 | 10/12/2010 9:52:14 AM |
| natural-greenback6 | $25.00 | $25.00 | 10/12/2010 10:07:13 AM |
| dynrep | $25.00 | $25.00 | 10/12/2010 10:16:43 AM |
| AlexTrep | $50.00 | $50.00 | 10/12/2010 10:14:32 AM |
| Roundhouse | $40.00 | $40.00 | 10/12/2010 11:50:20 AM |
| SeeksValue | $25.00 | $25.00 | 10/12/2010 12:00:38 PM |
| reflective-rupee | $100.00 | $100.00 | 10/12/2010 1:40:16 PM |
| SeeksValue | $25.00 | $25.00 | 10/12/2010 12:00:28 PM |
| penny-plato | $25.00 | $25.00 | 10/12/2010 1:02:52 PM |
| agiovasil | $25.00 | $25.00 | 10/12/2010 3:14:34 PM |
| radiant-loan5 | $100.00 | $100.00 | 10/12/2010 4:03:08 PM |
| shrewd-peace7 | $50.00 | $50.00 | 10/12/2010 4:58:35 PM |
| noble-revenue | $100.00 | $100.00 | 10/12/2010 3:48:24 PM |
| ptjg | $25.00 | $25.00 | 10/12/2010 11:05:01 PM |
| all_of_that_one | $45.00 | $45.00 | 10/12/2010 8:28:45 PM |
| thomas16882004 | $25.00 | $25.00 | 10/13/2010 1:21:29 AM |
| chrisb1414 | $25.00 | $25.00 | 10/13/2010 6:44:39 AM |
| dinero-vista2 | $25.00 | $25.00 | 10/12/2010 9:35:07 PM |
| lendstats_com | $200.00 | $200.00 | 10/13/2010 7:04:42 AM |
| first-serene-credit | $100.00 | $100.00 | 10/13/2010 11:07:17 AM |
| Papa_Mema | $36.07 | $36.07 | 10/13/2010 1:47:51 PM |
| TakeCare | $60.00 | $60.00 | 10/13/2010 10:54:41 AM |
| tarion3 | $25.00 | $25.00 | 10/13/2010 3:15:32 PM |
| whatknows | $25.00 | $25.00 | 10/13/2010 5:48:29 PM |
| profitable-balance | $25.00 | $25.00 | 10/13/2010 7:56:42 PM |
| Fishy014 | $30.00 | $30.00 | 10/13/2010 8:21:37 PM |
| carlos_chantana | $25.00 | $25.00 | 10/14/2010 7:37:48 AM |
| mrladybug101 | $100.00 | $100.00 | 10/14/2010 7:52:48 AM |
| Bcs-cnc | $25.00 | $25.00 | 10/14/2010 6:03:28 AM |
| consummate-loyalty1 | $100.00 | $19.97 | 10/14/2010 9:42:36 AM |
| wwwUniversal | $25.00 | $25.00 | 10/14/2010 9:42:49 AM |
| 68 bids
|
Borrower Payment Dependent Notes Series
477661
This series of Notes was issued and sold upon the funding of the borrower loan #44842, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $3,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.3% |
Auction start date:
| Sep-29-2010 |
| |
Auction end date:
| Oct-06-2010 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $158.33 |
|
Final lender yield:
| 34.00% |
Final borrower rate/APR:
| 35.00% / 38.72% |
Final monthly payment:
| $158.33 |
| |
|
Auction yield range:
| 16.79% - 34.00% |
Estimated loss impact:
| 20.31% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.69% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented 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:
| Apr-1989 |
Debt/Income ratio:
| Not calculated |
|
Credit score:
| 700-719 (Sep-2010) |
Inquiries last 6m:
| 0 | Employment status: | Not employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 2
/
2 | Length of status: | 7y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 18 | Stated income: | Not employed |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $1,515 | |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 101% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| silver-pumpkin |
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:
| 1 / 1 |
On-time:
| 12 ( 100% )
| 700-719 (Latest)
|
|
Principal borrowed:
| $2,500.00 | < 31 days late:
| 0
( 0% )
| 700-719
(Sep-2009)
700-719
(Jul-2009)
|
|
Principal balance:
| $1,748.26 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 12 | | |
Description
Nana's moving in!
Purpose of loan:
This loan will be used to clean up, clean out (dumpsters)?basement/attic,make room for storage, and Grandma (moving in), it's OUR turn to take care of HER. Make some insullation improvemets on our home.
My financial situation:
I am a good candidate for this loan because hubbys been a Permanent Civil Servant (NYC)?for over 22 years, steady, secure job. I do some babysitting here and there for neighbors, friends. We are honest people; own our own home (7 years). Both born and raised and still live in the Bronx. Great record on Prosper.
Monthly net income: $ 4000
Monthly expenses:
Housing: $ 1200
Insurance: $ 100??
Car expenses: $ 50??
Utilities: $ 100??
Phone, cable, internet: $ 100??
Food, entertainment: $ 300??
Clothing, household expenses $ 50?
Credit cards and other loans: $ 150
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| villagers | $25.00 | $25.00 | 9/29/2010 2:46:25 PM |
| WinterUSMC | $25.00 | $25.00 | 9/30/2010 11:25:21 PM |
| reflective-rupee | $350.00 | $350.00 | 10/1/2010 10:16:54 AM |
| CommunityArts_Non-profit | $100.00 | $100.00 | 10/2/2010 2:14:11 AM |
| commanding-income774 | $25.00 | $25.00 | 10/2/2010 1:26:02 PM |
| brondero | $80.00 | $80.00 | 10/2/2010 11:49:56 PM |
| laika | $33.44 | $33.44 | 10/3/2010 8:59:36 AM |
| weWantToHelp | $50.00 | $50.00 | 10/3/2010 5:52:24 PM |
| IIP77 | $25.00 | $25.00 | 10/4/2010 3:31:43 PM |
| gold-channel2 | $50.00 | $50.00 | 10/4/2010 3:51:48 PM |
| data2360 | $50.00 | $50.00 | 10/4/2010 3:53:33 PM |
| head | $25.00 | $25.00 | 10/4/2010 3:54:20 PM |
| curriculum7 | $25.00 | $25.00 | 10/4/2010 6:56:57 PM |
| euro-banker | $47.60 | $47.60 | 10/5/2010 3:08:28 AM |
| graceful-investment | $61.83 | $61.83 | 10/5/2010 4:58:10 AM |
| jennifer55126 | $25.00 | $25.00 | 10/5/2010 2:54:27 PM |
| well-mannered-income3 | $120.00 | $120.00 | 10/5/2010 3:50:20 PM |
| zone8 | $50.00 | $50.00 | 10/6/2010 1:42:34 AM |
| squarebob | $25.00 | $6.13 | 10/6/2010 9:39:18 AM |
| DasMula | $100.00 | $100.00 | 10/6/2010 10:22:15 AM |
| DasMula | $100.00 | $100.00 | 10/6/2010 10:23:04 AM |
| DasMula | $100.00 | $100.00 | 10/6/2010 10:24:22 AM |
| DasMula | $100.00 | $100.00 | 10/6/2010 10:21:00 AM |
| DasMula | $100.00 | $100.00 | 10/6/2010 10:21:48 AM |
| DasMula | $100.00 | $100.00 | 10/6/2010 10:23:40 AM |
| reflective-rupee | $150.00 | $150.00 | 10/6/2010 10:29:25 AM |
| brother_tam | $50.00 | $50.00 | 9/29/2010 2:46:46 PM |
| DasMula | $25.00 | $25.00 | 9/29/2010 4:02:25 PM |
| Artist_Blue | $25.00 | $25.00 | 9/30/2010 7:46:57 AM |
| mikeandcat | $50.00 | $50.00 | 9/30/2010 11:39:12 AM |
| loan-kung-fu | $25.00 | $25.00 | 9/30/2010 10:58:04 PM |
| AlexTrep | $50.00 | $50.00 | 10/1/2010 10:33:01 AM |
| cablenews | $25.00 | $25.00 | 10/1/2010 10:48:51 AM |
| glroark | $50.00 | $50.00 | 10/1/2010 12:58:05 PM |
| kulender | $50.00 | $50.00 | 10/1/2010 2:45:21 PM |
| icecoldcash | $30.00 | $30.00 | 10/4/2010 4:27:55 PM |
| Income-Scout | $100.00 | $100.00 | 10/5/2010 6:01:20 AM |
| KiwiElf | $25.00 | $25.00 | 10/5/2010 2:50:11 PM |
| green-ore-expert | $50.00 | $50.00 | 10/5/2010 2:56:39 PM |
| inventive-exchange | $25.00 | $25.00 | 10/5/2010 2:48:21 PM |
| SFBank | $300.00 | $300.00 | 10/5/2010 3:00:19 PM |
| AF-Chief | $35.00 | $35.00 | 10/5/2010 2:58:22 PM |
| Comoparklender | $25.00 | $25.00 | 10/5/2010 3:28:11 PM |
| Moe87 | $25.00 | $25.00 | 10/5/2010 4:14:38 PM |
| marwadi-62 | $25.00 | $25.00 | 10/5/2010 4:57:22 PM |
| blitzen40 | $25.00 | $25.00 | 10/5/2010 8:48:25 PM |
| McDeeter | $25.00 | $25.00 | 10/5/2010 8:51:46 PM |
| feb217 | $41.00 | $41.00 | 10/5/2010 9:03:24 PM |
| cash-tent | $25.00 | $25.00 | 10/5/2010 10:32:00 PM |
| bulsa | $50.00 | $50.00 | 10/6/2010 4:37:51 AM |
| helping-out | $50.00 | $50.00 | 10/6/2010 7:32:50 AM |
| Bob450 | $25.00 | $25.00 | 10/6/2010 7:59:36 AM |
| NekHoldings | $25.00 | $25.00 | 10/6/2010 5:26:17 AM |
| LendingService | $50.00 | $50.00 | 10/6/2010 9:15:54 AM |
| loanman2007 | $50.00 | $50.00 | 10/6/2010 9:35:43 AM |
| Lubava | $25.00 | $25.00 | 10/6/2010 8:24:46 AM |
| brondero | $70.00 | $70.00 | 10/6/2010 8:37:18 AM |
| DasMula | $25.00 | $25.00 | 10/6/2010 10:21:24 AM |
| DasMula | $100.00 | $100.00 | 10/6/2010 10:23:21 AM |
| 59 bids
|
Borrower Payment Dependent Notes Series
477907
This series of Notes was issued and sold upon the funding of the borrower loan #44841, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $4,000.00 |
Prosper Rating:
| B |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 6.0% |
Auction start date:
| Oct-01-2010 |
| |
Auction end date:
| Oct-04-2010 |
|
|
Starting lender yield:
| 14.15% |
Starting borrower rate/APR:
| 15.15% / 17.32% |
Starting monthly payment:
| $138.96 |
|
Final lender yield:
| 14.15% |
Final borrower rate/APR:
| 15.15% / 17.32% |
Final monthly payment:
| $138.96 |
| |
|
Auction yield range:
| 5.79% - 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):
| 9 |
First credit line:
| Oct-2004 |
Debt/Income ratio:
| 19% |
|
Credit score:
| 680-699 (Sep-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 7
/
6 | Length of status: | 0y 9m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 11 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,667 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 33% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| first-class-fairness2 |
Borrower's state:
| Kansas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off my credit cards
Purpose of loan:
This loan will be used to?Pay off my credit card debt
My financial situation:
I am a good candidate for this loan because?I have a steady job that I love. I live at home with my parents and will continue to do so until I feel financially stable.
Monthly net income: $ 2632.25, before taxes Monthly expenses: $1800??Housing: $0
??Insurance: $135.00
??Car expenses: $188
??Utilities: $0
??Phone, cable, internet: $0
??Food, entertainment: $800
??Clothing, household expenses $300
??Credit cards and other loans: $430
??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) |
|
| rescue | $100.00 | $100.00 | 10/1/2010 2:18:46 PM |
| bountiful-durability | $100.00 | $100.00 | 10/1/2010 2:20:11 PM |
| bid-czar8 | $100.00 | $100.00 | 10/1/2010 2:23:29 PM |
| ichibon | $150.00 | $150.00 | 10/1/2010 2:23:35 PM |
| authentic-liberty7 | $25.00 | $25.00 | 10/1/2010 2:20:22 PM |
| radforj22 | $25.00 | $25.00 | 10/1/2010 2:20:48 PM |
| jdwillcox | $50.00 | $50.00 | 10/1/2010 2:24:36 PM |
| kmr2 | $200.00 | $200.00 | 10/1/2010 2:24:48 PM |
| psa1995 | $50.00 | $50.00 | 10/1/2010 2:24:56 PM |
| red-robust-rupee | $25.00 | $25.00 | 10/1/2010 2:25:21 PM |
| objective-investor | $100.00 | $100.00 | 10/1/2010 2:25:58 PM |
| DRA-Properties | $25.00 | $25.00 | 10/1/2010 2:23:08 PM |
| shmb6508 | $100.00 | $100.00 | 10/1/2010 2:23:42 PM |
| mla | $25.00 | $25.00 | 10/1/2010 2:26:39 PM |
| Gabriel02 | $25.00 | $25.00 | 10/1/2010 2:23:47 PM |
| jazzlender | $25.00 | $25.00 | 10/1/2010 2:23:51 PM |
| hookUup | $25.00 | $25.00 | 10/1/2010 2:27:20 PM |
| mike_banker | $50.00 | $50.00 | 10/1/2010 2:24:20 PM |
| the-profit-oracle | $25.00 | $25.00 | 10/1/2010 2:28:16 PM |
| JohnGalt79 | $100.00 | $100.00 | 10/1/2010 2:26:04 PM |
| mtp | $50.00 | $50.00 | 10/1/2010 2:25:41 PM |
| teller | $50.00 | $50.00 | 10/1/2010 2:26:19 PM |
| papaloha | $25.00 | $25.00 | 10/1/2010 2:26:13 PM |
| JoyfulVegetarian | $25.00 | $25.00 | 10/1/2010 2:26:29 PM |
| bowdish1 | $50.00 | $50.00 | 10/1/2010 2:27:17 PM |
| dollardave | $100.00 | $100.00 | 10/1/2010 2:27:28 PM |
| tech310 | $50.00 | $50.00 | 10/1/2010 2:27:56 PM |
| Aimvest | $25.00 | $25.00 | 10/1/2010 2:28:55 PM |
| irrelevant | $25.00 | $25.00 | 10/1/2010 2:28:29 PM |
| Interstate_Rate | $100.00 | $100.00 | 10/1/2010 2:47:04 PM |
| RandyL3 | $25.00 | $25.00 | 10/1/2010 2:29:56 PM |
| blue-useful-auction | $25.00 | $25.00 | 10/1/2010 2:45:54 PM |
| GeorgiaGator | $25.00 | $25.00 | 10/1/2010 3:34:34 PM |
| penny-plato | $25.00 | $25.00 | 10/1/2010 4:16:29 PM |
| ml13 | $50.00 | $14.58 | 10/1/2010 7:12:52 PM |
| JustMee | $25.00 | $25.00 | 10/1/2010 7:31:06 PM |
| newegg | $50.00 | $50.00 | 10/1/2010 6:59:21 PM |
| preventivepestcontrol | $50.00 | $50.00 | 10/1/2010 8:50:45 PM |
| Jassi | $25.00 | $25.00 | 10/2/2010 4:03:52 AM |
| szetheli | $155.00 | $155.00 | 10/2/2010 10:35:44 AM |
| gold-channel2 | $28.43 | $28.43 | 10/2/2010 10:52:46 AM |
| exchange-dreams | $25.00 | $25.00 | 10/2/2010 12:42:17 PM |
| captainzero | $30.32 | $30.32 | 10/2/2010 2:37:41 PM |
| sportract05 | $50.00 | $50.00 | 10/3/2010 12:38:41 PM |
| Tomeus | $75.00 | $75.00 | 10/1/2010 2:23:56 PM |
| VAGweilo | $50.00 | $50.00 | 10/1/2010 2:20:40 PM |
| agiovasil | $25.00 | $25.00 | 10/1/2010 2:21:13 PM |
| larrybird | $150.00 | $150.00 | 10/1/2010 2:25:10 PM |
| kegs | $150.00 | $150.00 | 10/1/2010 2:25:16 PM |
| nicklds | $25.00 | $25.00 | 10/1/2010 2:25:35 PM |
| skuba | $50.00 | $50.00 | 10/1/2010 2:25:51 PM |
| studious-bonus7 | $100.00 | $100.00 | 10/1/2010 2:23:21 PM |
| jigsaw | $100.00 | $100.00 | 10/1/2010 2:23:25 PM |
| simplelender80 | $250.00 | $250.00 | 10/1/2010 2:23:16 PM |
| peripatetic | $25.00 | $25.00 | 10/1/2010 2:27:08 PM |
| orgy63 | $25.00 | $25.00 | 10/1/2010 2:24:17 PM |
| herbyman | $50.00 | $50.00 | 10/1/2010 2:24:40 PM |
| thrifty-capital | $25.00 | $25.00 | 10/1/2010 2:26:00 PM |
| a-finance-nirvana | $25.00 | $25.00 | 10/1/2010 2:28:25 PM |
| Weaverville | $50.00 | $50.00 | 10/1/2010 2:29:10 PM |
| escharfer | $25.00 | $25.00 | 10/1/2010 2:28:51 PM |
| rainbowsorbet | $25.00 | $25.00 | 10/1/2010 2:29:13 PM |
| AF-Chief | $50.00 | $50.00 | 10/1/2010 2:45:32 PM |
| danthemon35 | $25.00 | $25.00 | 10/1/2010 2:50:54 PM |
| ramblin | $50.00 | $50.00 | 10/1/2010 2:54:56 PM |
| lendingfrog | $50.00 | $50.00 | 10/1/2010 4:52:57 PM |
| Sol_Invictus | $25.00 | $25.00 | 10/2/2010 5:13:43 AM |
| Hadrian | $56.67 | $56.67 | 10/2/2010 7:09:51 AM |
| tolerant-dinero2 | $25.00 | $25.00 | 10/2/2010 9:59:27 AM |
| twerns | $40.00 | $40.00 | 10/2/2010 2:21:22 PM |
| payout-magician | $25.00 | $25.00 | 10/3/2010 11:04:09 AM |
| strgazr8888 | $25.00 | $25.00 | 10/3/2010 12:44:20 PM |
| Erie100 | $25.00 | $25.00 | 10/3/2010 9:01:58 PM |
| 73 bids
|
Borrower Payment Dependent Notes Series
477953
This series of Notes was issued and sold upon the funding of the borrower loan #44848, 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:
| Oct-04-2010 |
| |
Auction end date:
| Oct-11-2010 |
|
|
Starting lender yield:
| 26.50% |
Starting borrower rate/APR:
| 27.50% / 31.05% |
Starting monthly payment:
| $102.73 |
|
Final lender yield:
| 22.00% |
Final borrower rate/APR:
| 23.00% / 26.46% |
Final monthly payment:
| $96.77 |
| |
|
Auction yield range:
| 10.79% - 26.50% |
Estimated loss impact:
| 11.33% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 10.67% | | |
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:
| Jul-1988 |
Debt/Income ratio:
| 10% |
|
Credit score:
| 760-779 (Oct-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
4 | Length of status: | 9y 10m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 28 |
Occupation: | Laborer |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $12,189 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 69% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| socrates659 |
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
Buying a used truck for winter
Purpose of loan:
This loan will be used to? purchase a used truck for the winter.
My financial situation:
I am a good candidate for this loan because?
?I am working full time and I also get 5 hours or more a week in overtime.
Monthly net income: $ 3200
Monthly expenses: $
??Housing: $ 1346
??Insurance: $?
???Car expenses: $ 40
??Utilities: $ 150
??Phone, cable, internet: $??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 423
??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:
why didn't you go to Capital One for a loan or an entity with a much lower rate? - beakerfish
A:
I never thought to go to Capital One because I have only heard of them among other big banks. I thought it was a small amount to borrow and it would'nt be a big ordeal because I planned to pay off the loan within a few months. Plus I figured if the big banks would'nt help me refinance my home loan to a lower interest rate to save a few hundred dollars a month why would they loan me $2500.
(Oct-05-2010)
Q:
What kind of truck? How old are you? What interest rate is affordable to you? What kind of profession are you?
Thanks, - p2ploan-sensation211
A:
Any suv with low miles and the lastest year. I'm 42 years young and work as a city carrier. The lowest rate possible is always nice.
(Oct-08-2010)
Q:
Hi,
How come you did not list your food, phone, insurance..etc expenses?
Are you the only wage earner in your household?
What is your house value?
Thanks, - p2ploan-sensation211
A:
I am not that great with the computer, as you can see when I was filling in the answers , some how the sentence moved, anyway yes I am the only wage earner in the household. My house value is $145,000.00 last apprasied in 09.
(Oct-09-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| lendstats_com | $25.00 | $25.00 | 10/4/2010 2:39:28 PM |
| lendstats_com | $175.00 | $175.00 | 10/4/2010 3:28:26 PM |
| RedCentre | $85.07 | $85.07 | 10/6/2010 1:09:19 AM |
| FinanceEngine | $25.00 | $25.00 | 10/6/2010 7:14:29 AM |
| Top_Gun_Lender | $25.79 | $25.79 | 10/6/2010 10:45:34 PM |
| loan-adventurer7 | $36.00 | $36.00 | 10/6/2010 10:03:41 PM |
| trade-goblin9 | $25.00 | $25.00 | 10/7/2010 11:23:13 AM |
| lucky2 | $25.00 | $25.00 | 10/7/2010 3:23:20 PM |
| West_End_Local | $50.00 | $50.00 | 10/7/2010 7:20:10 PM |
| Tokkoutai99 | $50.00 | $50.00 | 10/8/2010 8:22:53 AM |
| leverage-reaction | $25.00 | $25.00 | 10/8/2010 11:58:03 AM |
| exchange-squirrel | $25.00 | $25.00 | 10/8/2010 12:51:51 PM |
| aztocas | $25.00 | $25.00 | 10/9/2010 7:29:15 AM |
| Pu239 | $60.00 | $60.00 | 10/9/2010 9:19:16 AM |
| FundMaker | $25.00 | $25.00 | 10/9/2010 3:16:50 PM |
| harddollars | $25.00 | $25.00 | 10/10/2010 5:30:02 AM |
| willinvest | $25.00 | $25.00 | 10/10/2010 6:55:02 AM |
| fantastic-deal5 | $25.00 | $25.00 | 10/9/2010 2:43:24 PM |
| principal-star | $25.00 | $25.00 | 10/10/2010 10:57:51 AM |
| proton346 | $25.00 | $25.00 | 10/9/2010 8:50:02 PM |
| gain-dolphin | $25.00 | $25.00 | 10/11/2010 12:51:39 AM |
| fireferd | $35.00 | $35.00 | 10/11/2010 7:02:09 AM |
| olemon1169 | $40.00 | $40.00 | 10/11/2010 8:46:24 AM |
| 2grindstones | $25.00 | $25.00 | 10/11/2010 9:36:46 AM |
| jules3304 | $25.00 | $25.00 | 10/11/2010 10:20:40 AM |
| rate-hickory | $25.00 | $25.00 | 10/11/2010 7:33:36 AM |
| mckhbnpc | $30.00 | $30.00 | 10/11/2010 8:03:26 AM |
| ultimate-peace | $106.00 | $106.00 | 10/11/2010 1:49:19 PM |
| patriot384 | $120.00 | $24.13 | 10/11/2010 1:54:52 PM |
| ethicalhumanist | $50.00 | $50.00 | 10/11/2010 2:35:41 PM |
| trumpeter5 | $50.00 | $50.00 | 10/11/2010 2:27:48 PM |
| money-fort | $30.00 | $30.00 | 10/11/2010 2:34:09 PM |
| reflective-rupee | $25.00 | $25.00 | 10/11/2010 10:39:14 AM |
| social-zebra | $28.00 | $28.00 | 10/11/2010 10:46:53 AM |
| ore-jedi | $25.00 | $25.00 | 10/11/2010 12:48:11 PM |
| AlexTrep | $25.00 | $25.00 | 10/11/2010 1:50:22 PM |
| Nerdster1 | $25.01 | $25.01 | 10/11/2010 2:21:24 PM |
| transaction-circuit | $50.00 | $50.00 | 10/4/2010 2:40:36 PM |
| top-courteous-peso | $50.00 | $50.00 | 10/4/2010 2:39:10 PM |
| trade-goblin9 | $25.00 | $25.00 | 10/4/2010 5:05:45 PM |
| SOP_Bank | $25.00 | $25.00 | 10/5/2010 6:32:08 AM |
| jpaulnyc | $25.00 | $25.00 | 10/5/2010 4:17:01 PM |
| mercuriant | $25.00 | $25.00 | 10/5/2010 5:35:46 PM |
| interstellar | $50.00 | $50.00 | 10/5/2010 5:52:57 PM |
| GrowthAspirations | $25.00 | $25.00 | 10/5/2010 10:50:51 PM |
| loan-adventurer7 | $36.00 | $36.00 | 10/6/2010 3:04:44 AM |
| donenzo | $25.00 | $25.00 | 10/6/2010 7:49:33 AM |
| EngineersAlliance | $150.00 | $150.00 | 10/6/2010 9:18:15 AM |
| glroark | $150.00 | $150.00 | 10/6/2010 11:26:06 AM |
| gjm6d | $25.00 | $25.00 | 10/7/2010 2:43:25 AM |
| rockhound84 | $25.00 | $25.00 | 10/8/2010 11:28:43 AM |
| JohnSmallberries | $25.00 | $25.00 | 10/8/2010 2:04:25 PM |
| economy-popcorn | $25.00 | $25.00 | 10/8/2010 1:49:25 PM |
| hellasow | $25.00 | $25.00 | 10/8/2010 10:15:28 PM |
| D-N-A_Investments | $50.00 | $50.00 | 10/9/2010 8:40:18 AM |
| skillful-asset5 | $30.00 | $30.00 | 10/10/2010 6:00:29 AM |
| 4mydaughterseducation | $25.00 | $25.00 | 10/9/2010 7:34:43 PM |
| Leshan | $50.00 | $50.00 | 10/11/2010 8:24:04 AM |
| Crom | $34.00 | $34.00 | 10/11/2010 11:11:35 AM |
| market-pudding | $25.00 | $25.00 | 10/11/2010 11:24:20 AM |
| dudebrah | $25.00 | $25.00 | 10/11/2010 2:20:31 PM |
| blue-useful-auction | $25.00 | $25.00 | 10/11/2010 2:36:55 PM |
| attractive-fund | $50.00 | $50.00 | 10/11/2010 9:17:01 AM |
| Bob450 | $25.00 | $25.00 | 10/11/2010 10:19:42 AM |
| 64 bids
|
Borrower Payment Dependent Notes Series
478175
This series of Notes was issued and sold upon the funding of the borrower loan #44825, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $5,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.8% |
Auction start date:
| Oct-05-2010 |
| |
Auction end date:
| Oct-12-2010 |
|
|
Starting lender yield:
| 26.50% |
Starting borrower rate/APR:
| 27.50% / 31.05% |
Starting monthly payment:
| $205.47 |
|
Final lender yield:
| 26.50% |
Final borrower rate/APR:
| 27.50% / 31.05% |
Final monthly payment:
| $205.47 |
| |
|
Auction yield range:
| 10.71% - 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):
| 5 |
First credit line:
| Dec-1993 |
Debt/Income ratio:
| 22% |
|
Credit score:
| 760-779 (Oct-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 11
/
11 | Length of status: | 17y 2m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 31 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $57,532 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 97% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| AlbyVA |
Borrower's state:
| Virginia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation - Credit Card
Purpose of loan:
This loan will be used to payoff a Discover credit card totaling $5000 at $253.00/mo
My financial situation:
I am a good candidate for this loan because I've been at a stable and high paying job for nearly 20/years.
I'm married and our gross household income is around $150,000/yr. I've never defaulted on debt payments.
I would like this loan so I can start paying off my debt within 36/months vs. the 15+ years if I keep paying
$253/mo and having very little put towards principle.
Monthly net income: $
$4800/mo (me) -- $8500/mo Wife+Me
Monthly expenses: $5450
??Housing: $3600
??Insurance: $150
??Car expenses: $
0.00
??Utilities: $
200
??Phone, cable, internet: $
200
??Food, entertainment: $
500
??Clothing, household expenses $
0
??Credit cards and other loans: $
800
??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:
Does your stated income of > $75 include your wife's income? If so, Prosper will likely cancel your listing if funded. Thanks. - squarebob
A:
No. My personal income exceeds $75,000/yr
(Oct-12-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| papaloha | $25.00 | $25.00 | 10/5/2010 2:54:09 PM |
| bid-czar8 | $25.00 | $25.00 | 10/5/2010 3:22:43 PM |
| agiovasil | $25.00 | $25.00 | 10/5/2010 3:24:15 PM |
| moola-wildebeest3 | $25.00 | $25.00 | 10/5/2010 3:25:28 PM |
| sfmf | $25.00 | $25.00 | 10/5/2010 3:20:10 PM |
| ingenious-deal6 | $25.00 | $25.00 | 10/5/2010 3:23:37 PM |
| frogperson | $250.00 | $250.00 | 10/5/2010 6:01:44 PM |
| trade-goblin9 | $25.00 | $25.00 | 10/5/2010 7:25:48 PM |
| Artist_Blue | $25.00 | $25.00 | 10/6/2010 6:23:53 AM |
| FutureLenderEC | $25.00 | $25.00 | 10/6/2010 7:52:46 AM |
| cablenews | $25.00 | $25.00 | 10/6/2010 10:47:59 AM |
| kulender | $50.00 | $50.00 | 10/7/2010 12:08:44 PM |
| simplelender80 | $26.54 | $26.54 | 10/7/2010 9:43:00 AM |
| graceful-investment | $48.46 | $48.46 | 10/7/2010 1:53:06 PM |
| all_of_that_one | $40.00 | $40.00 | 10/8/2010 2:07:23 PM |
| jubilant-agreement0 | $25.00 | $25.00 | 10/8/2010 2:35:05 PM |
| b-rent | $25.00 | $25.00 | 10/8/2010 2:35:26 PM |
| bold-shrewd-duty | $50.00 | $50.00 | 10/8/2010 2:44:56 PM |
| beaker | $25.00 | $25.00 | 10/9/2010 7:23:03 AM |
| power-secret-agent | $25.00 | $25.00 | 10/10/2010 5:46:19 AM |
| loss-of-control | $50.00 | $50.00 | 10/10/2010 8:40:10 AM |
| Papa_Mema | $50.00 | $50.00 | 10/10/2010 6:48:49 PM |
| well-mannered-income3 | $25.00 | $25.00 | 10/10/2010 5:20:23 PM |
| nilonc1 | $100.00 | $100.00 | 10/11/2010 11:41:00 AM |
| reflective-rupee | $100.00 | $100.00 | 10/11/2010 2:48:51 PM |
| jubilant-auction5 | $25.00 | $25.00 | 10/11/2010 3:03:01 PM |
| mercuriant | $25.00 | $25.00 | 10/11/2010 3:03:49 PM |
| gold-channel2 | $50.00 | $50.00 | 10/11/2010 3:06:06 PM |
| numitor | $50.00 | $50.00 | 10/11/2010 3:01:17 PM |
| thomas16882004 | $25.00 | $25.00 | 10/11/2010 3:24:49 PM |
| SFBank | $300.00 | $300.00 | 10/11/2010 4:18:16 PM |
| Tingali | $25.00 | $25.00 | 10/12/2010 6:29:44 AM |
| noble-revenue | $100.00 | $100.00 | 10/12/2010 8:40:03 AM |
| gentle-social0 | $25.00 | $25.00 | 10/12/2010 9:33:35 AM |
| cybernosha | $25.00 | $25.00 | 10/11/2010 11:17:55 PM |
| E-B | $50.00 | $50.00 | 10/12/2010 3:31:06 AM |
| cash-spark3 | $50.00 | $50.00 | 10/12/2010 6:42:48 AM |
| JAVEHE | $50.00 | $50.00 | 10/12/2010 10:29:14 AM |
| anton | $1,000.00 | $222.42 | 10/12/2010 10:43:42 AM |
| preventivepestcontrol | $100.00 | $100.00 | 10/12/2010 11:22:32 AM |
| reflective-rupee | $175.00 | $175.00 | 10/12/2010 11:52:42 AM |
| p2ploan-sensation211 | $25.00 | $25.00 | 10/12/2010 2:37:03 PM |
| Nerdster1 | $25.01 | $25.01 | 10/12/2010 2:19:25 PM |
| tech310 | $50.00 | $50.00 | 10/5/2010 3:20:35 PM |
| top-courteous-peso | $50.00 | $50.00 | 10/5/2010 3:20:08 PM |
| handshake5 | $100.00 | $100.00 | 10/5/2010 3:22:20 PM |
| natural-greenback6 | $25.00 | $25.00 | 10/5/2010 3:27:09 PM |
| reflective-rupee | $25.00 | $25.00 | 10/5/2010 7:30:56 PM |
| loan-adventurer7 | $25.00 | $25.00 | 10/5/2010 11:43:05 PM |
| AlexTrep | $50.00 | $50.00 | 10/6/2010 1:04:07 PM |
| 6moonbeams | $25.00 | $25.00 | 10/6/2010 3:16:50 PM |
| Whipster | $50.00 | $50.00 | 10/6/2010 4:49:50 PM |
| blue-useful-auction | $25.00 | $25.00 | 10/7/2010 8:54:30 AM |
| rescue | $100.00 | $100.00 | 10/7/2010 12:21:26 PM |
| bold-attentive-listing | $25.00 | $25.00 | 10/8/2010 9:00:51 AM |
| consummate-loyalty1 | $100.00 | $100.00 | 10/8/2010 2:36:08 PM |
| teller | $28.03 | $28.03 | 10/9/2010 10:04:08 AM |
| loss-of-control | $50.00 | $50.00 | 10/10/2010 8:40:34 AM |
| power-secret-agent | $25.00 | $25.00 | 10/10/2010 5:46:43 AM |
| the-determined-value | $50.00 | $50.00 | 10/10/2010 8:38:52 PM |
| S-Master | $50.00 | $50.00 | 10/11/2010 3:00:58 PM |
| JohnSmallberries | $25.00 | $25.00 | 10/11/2010 2:58:58 PM |
| asiaratt | $50.00 | $50.00 | 10/11/2010 3:01:44 PM |
| irrelevant | $25.00 | $25.00 | 10/11/2010 3:04:56 PM |
| villagers | $50.00 | $50.00 | 10/11/2010 3:09:49 PM |
| musegaze | $100.00 | $100.00 | 10/11/2010 3:10:22 PM |
| loan-mammal | $25.00 | $25.00 | 10/11/2010 3:14:09 PM |
| life-is-great | $50.00 | $50.00 | 10/11/2010 3:13:52 PM |
| dime-futurist | $25.00 | $25.00 | 10/11/2010 9:46:47 PM |
| MarinLoans | $25.00 | $25.00 | 10/11/2010 3:12:20 PM |
| SLN-10 | $50.00 | $50.00 | 10/11/2010 3:13:45 PM |
| Comoparklender | $40.00 | $40.00 | 10/12/2010 9:23:03 AM |
| richboy56 | $25.00 | $25.00 | 10/11/2010 7:37:44 PM |
| minnesotafinancial | $25.00 | $25.00 | 10/12/2010 8:48:06 AM |
| networks4ever | $25.00 | $25.00 | 10/11/2010 8:34:15 PM |
| debtcollector | $25.00 | $25.00 | 10/11/2010 11:17:54 PM |
| Lubava | $25.00 | $25.00 | 10/12/2010 9:30:26 AM |
| Trevor_C | $25.00 | $25.00 | 10/12/2010 9:34:45 AM |
| contract-high-five | $50.00 | $50.00 | 10/12/2010 10:05:37 AM |
| BrLender | $25.00 | $25.00 | 10/12/2010 10:27:20 AM |
| crenen139 | $25.00 | $25.00 | 10/12/2010 10:29:41 AM |
| squarebob | $71.26 | $71.26 | 10/12/2010 12:27:12 PM |
| WMY-Investor | $200.00 | $200.00 | 10/12/2010 1:03:45 PM |
| Roundhouse | $38.28 | $38.28 | 10/12/2010 12:00:05 PM |
| _NaLNaBB | $400.00 | $400.00 | 10/12/2010 12:27:16 PM |
| ethicalhumanist | $50.00 | $50.00 | 10/12/2010 12:34:13 PM |
| grampy48 | $25.00 | $25.00 | 10/12/2010 2:20:47 PM |
| yu-rik | $45.00 | $45.00 | 10/12/2010 2:25:06 PM |
| yu-rik | $40.00 | $40.00 | 10/12/2010 2:29:39 PM |
| Astyanax | $75.00 | $75.00 | 10/12/2010 12:51:49 PM |
| 90 bids
|
Borrower Payment Dependent Notes Series
478595
This series of Notes was issued and sold upon the funding of the borrower loan #44816, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $6,470.00 |
Prosper Rating:
| B |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 5.0% |
Auction start date:
| Oct-07-2010 |
| |
Auction end date:
| Oct-14-2010 |
|
|
Starting lender yield:
| 12.65% |
Starting borrower rate/APR:
| 13.65% / 15.80% |
Starting monthly payment:
| $220.03 |
|
Final lender yield:
| 12.65% |
Final borrower rate/APR:
| 13.65% / 15.80% |
Final monthly payment:
| $220.03 |
| |
|
Auction yield range:
| 5.71% - 12.65% |
Estimated loss impact:
| 5.16% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.49% | | |
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-1976 |
Debt/Income ratio:
| 19% |
|
Credit score:
| 740-759 (Oct-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 15
/
15 | Length of status: | 6y 2m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 33 |
Occupation: | Executive |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $177,569 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 82% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| aggresive-peso |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 6 ( 100% )
| 740-759 (Latest)
|
|
Principal borrowed:
| $5,000.00 | < 31 days late:
| 0
( 0% )
| 760-779
(Mar-2010)
|
|
Principal balance:
| $4,240.01 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 6 | | |
Description
Eliminating my last school loan
Purpose of loan: Due to an oversight at the school's accounting office - even though I graduated with my MBA almost 4 years ago I was recently hit with a bill for tuition that their system forgot to charge me for a summer semester which would have been covered under my academic loans (under successful repayment).
I had to put the balance on my credit card over the phone which I had previously paid off using a prosper loan (under successful repayment as well) and will use my emergency money to pay off the card again so I go back to zero credit card debt. This loan I ask for, while replenishing my emergency cash, will really be in effect a student loan.
My financial situation is even healthier than it was for my last prosper loan as I have been given a raise of $12k per year (an extra $1k per month). I am a good candidate for this loan because I know how to use credit wisely and I control my credit - my credit does not control me. Payments will be made automatically though Prosper's bank account auto-withdrawal system.
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:
Is your credit record accurate?
Your first line of credit is reported as from 1976. (You do not appear any older than forty years of age.) - novice-speculator
A:
I double checked all 3 credit reports, (experian, transu, and equifax) and they are show 08/76 as the opening date for an HSBC revolving line of credit which was closed on 03/07. All 3 reports show that it was always paid on time/never late. But I do not know why it shows 1976 as I was not born yet. I will call HSBC and see why they are reporting this date to the credit reporting agencies.
(Oct-08-2010)
Q:
Hi. What kind of debt is showing up under revolving credit for $177k?
Thanks - John_Galt
A:
Propser doesn't show me the detail of that number, but from looking at my monthly statement balances, that figure reflects a Home Equity Line of Credit (HELOC) I used to acquire an income generating apartment building and what's left on my credit card to be paid off.
(Oct-08-2010)
Q:
Is the student loan you are consolidating a federal student loan? - Slapshot
A:
I am not considering getting a separate federal student loan at this time, I intend to use prosper funds as the student loan. Thanks
(Oct-11-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| radforj22 | $25.00 | $25.00 | 10/7/2010 2:42:05 PM |
| jazz619 | $50.00 | $50.00 | 10/7/2010 2:43:41 PM |
| generous-deal6 | $50.00 | $50.00 | 10/7/2010 2:43:46 PM |
| chemistry220 | $50.00 | $50.00 | 10/7/2010 2:44:18 PM |
| jazzlender | $25.00 | $25.00 | 10/7/2010 2:48:16 PM |
| bountiful-durability | $100.00 | $100.00 | 10/7/2010 2:47:30 PM |
| agiovasil | $25.00 | $25.00 | 10/7/2010 2:47:41 PM |
| DRA-Properties | $25.00 | $25.00 | 10/7/2010 2:47:53 PM |
| bowdish1 | $50.00 | $50.00 | 10/7/2010 2:49:22 PM |
| tolerant-dinero2 | $25.00 | $25.00 | 10/7/2010 2:50:36 PM |
| graceful-investment | $100.00 | $100.00 | 10/7/2010 2:51:16 PM |
| mtquan | $25.00 | $25.00 | 10/7/2010 2:50:17 PM |
| tntmojave | $25.00 | $25.00 | 10/7/2010 2:51:18 PM |
| brother_tam | $50.00 | $50.00 | 10/7/2010 2:51:30 PM |
| rescue | $50.00 | $50.00 | 10/7/2010 2:40:33 PM |
| mjunlimited | $50.00 | $50.00 | 10/7/2010 2:52:50 PM |
| papaloha | $25.00 | $25.00 | 10/7/2010 2:43:14 PM |
| ferocious-camaraderi1 | $100.00 | $100.00 | 10/7/2010 2:56:49 PM |
| RandyL3 | $25.00 | $25.00 | 10/7/2010 3:08:24 PM |
| enthusiastic-balance5 | $100.00 | $100.00 | 10/7/2010 2:58:18 PM |
| JohnGalt79 | $100.00 | $100.00 | 10/7/2010 2:49:18 PM |
| ichibon | $150.00 | $150.00 | 10/7/2010 2:51:01 PM |
| elfincove | $50.00 | $50.00 | 10/7/2010 2:51:13 PM |
| TheoProf | $25.00 | $25.00 | 10/7/2010 4:47:58 PM |
| mla | $25.00 | $25.00 | 10/7/2010 2:55:34 PM |
| dschless | $25.00 | $25.00 | 10/7/2010 8:13:22 PM |
| life-is-great | $38.44 | $38.44 | 10/7/2010 8:39:34 PM |
| Interstate_Rate | $60.37 | $60.37 | 10/7/2010 11:31:24 PM |
| trustu | $25.00 | $25.00 | 10/8/2010 5:27:49 AM |
| worthy-truth | $25.00 | $25.00 | 10/8/2010 9:51:49 AM |
| meteoric-trade | $25.00 | $25.00 | 10/8/2010 11:04:18 AM |
| danthemon35 | $25.00 | $25.00 | 10/8/2010 11:04:14 AM |
| silktea | $50.00 | $50.00 | 10/8/2010 2:20:15 PM |
| penny-plato | $25.00 | $25.00 | 10/8/2010 3:00:14 PM |
| labyrinth0 | $25.00 | $25.00 | 10/8/2010 9:12:05 PM |
| durability-halibut | $30.00 | $30.00 | 10/9/2010 12:45:01 PM |
| doc1 | $100.00 | $100.00 | 10/10/2010 9:12:03 AM |
| what_goes_around | $50.00 | $50.00 | 10/10/2010 12:41:27 PM |
| AK49-JW | $50.00 | $50.00 | 10/10/2010 2:12:24 PM |
| Galdis | $25.00 | $25.00 | 10/10/2010 8:44:49 AM |
| JeramyU | $25.00 | $25.00 | 10/10/2010 9:27:00 AM |
| UncleScroogeDMD | $100.00 | $100.00 | 10/10/2010 5:10:05 PM |
| lazyeye | $50.00 | $50.00 | 10/11/2010 3:44:23 PM |
| Milonguero | $100.00 | $100.00 | 10/11/2010 6:24:45 PM |
| steady-funds3 | $34.88 | $34.88 | 10/11/2010 5:38:49 PM |
| StanTheMan | $39.26 | $39.26 | 10/11/2010 8:41:50 PM |
| Johnab | $25.00 | $25.00 | 10/11/2010 3:36:53 PM |
| balance-river | $39.97 | $39.97 | 10/11/2010 4:01:53 PM |
| investment-artist | $25.00 | $25.00 | 10/12/2010 9:53:17 AM |
| justasoldier | $25.00 | $25.00 | 10/12/2010 2:54:39 PM |
| Image68 | $25.00 | $25.00 | 10/12/2010 5:07:26 PM |
| Techne_Funds_LLC | $25.00 | $25.00 | 10/12/2010 6:12:44 PM |
| rockhound84 | $25.00 | $25.00 | 10/13/2010 1:43:52 AM |
| TakeCare | $30.00 | $30.00 | 10/13/2010 6:16:15 AM |
| emmadog | $50.00 | $50.00 | 10/13/2010 8:01:51 AM |
| wise-benjamins-fortress | $25.00 | $25.00 | 10/13/2010 5:27:19 AM |
| DDPrime | $100.00 | $100.00 | 10/13/2010 3:17:45 PM |
| loan-upholder4 | $25.00 | $25.00 | 10/13/2010 4:41:36 PM |
| colorfulgardener | $25.00 | $25.00 | 10/13/2010 5:58:33 PM |
| squarebob | $25.00 | $25.00 | 10/13/2010 3:37:49 PM |
| contract-high-five | $25.00 | $25.00 | 10/13/2010 8:29:30 PM |
| bdevil10 | $25.00 | $25.00 | 10/14/2010 1:57:35 AM |
| invest-in-ed | $240.00 | $240.00 | 10/13/2010 6:34:04 PM |
| gluon | $25.00 | $25.00 | 10/14/2010 12:25:08 AM |
| InvestForWealth | $25.97 | $25.97 | 10/14/2010 9:24:41 AM |
| patriot897 | $30.00 | $30.00 | 10/14/2010 9:30:20 AM |
| mrladybug101 | $100.00 | $100.00 | 10/14/2010 7:58:16 AM |
| Hazlenut | $25.00 | $25.00 | 10/14/2010 10:55:25 AM |
| Sol_Invictus | $25.00 | $25.00 | 10/14/2010 9:48:11 AM |
| goodhearted-basis4 | $25.00 | $25.00 | 10/14/2010 2:25:09 PM |
| Memphis-King | $125.00 | $125.00 | 10/14/2010 2:24:27 PM |
| Weaverville | $50.00 | $50.00 | 10/7/2010 2:43:18 PM |
| worldly-penny8 | $25.00 | $25.00 | 10/7/2010 2:44:10 PM |
| studious-bonus7 | $100.00 | $100.00 | 10/7/2010 2:48:02 PM |
| bid-czar8 | $100.00 | $100.00 | 10/7/2010 2:48:05 PM |
| shmb6508 | $100.00 | $100.00 | 10/7/2010 2:48:10 PM |
| Gabriel02 | $25.00 | $25.00 | 10/7/2010 2:48:13 PM |
| jdwillcox | $50.00 | $50.00 | 10/7/2010 2:48:42 PM |
| mike_banker | $50.00 | $50.00 | 10/7/2010 2:48:36 PM |
| tech310 | $50.00 | $50.00 | 10/7/2010 2:49:33 PM |
| kmr2 | $200.00 | $200.00 | 10/7/2010 2:48:55 PM |
| moola-wildebeest3 | $50.00 | $50.00 | 10/7/2010 2:50:54 PM |
| tsui517 | $25.00 | $25.00 | 10/7/2010 2:51:07 PM |
| escharfer | $25.00 | $25.00 | 10/7/2010 2:49:43 PM |
| jrbill1998 | $50.00 | $50.00 | 10/7/2010 2:51:41 PM |
| 6moonbeams | $100.00 | $100.00 | 10/7/2010 2:52:48 PM |
| authentic-liberty7 | $50.00 | $50.00 | 10/7/2010 2:41:41 PM |
| cybernosha | $25.00 | $25.00 | 10/7/2010 2:56:52 PM |
| loan-mammal | $25.00 | $25.00 | 10/7/2010 2:58:05 PM |
| bambampk | $25.00 | $25.00 | 10/7/2010 4:12:43 PM |
| herbyman | $50.00 | $50.00 | 10/7/2010 2:48:46 PM |
| objective-investor | $100.00 | $100.00 | 10/7/2010 2:49:13 PM |
| marketplace-cello5 | $50.00 | $50.00 | 10/7/2010 2:50:26 PM |
| greentomato | $25.00 | $25.00 | 10/7/2010 2:51:35 PM |
| witty-principal | $50.00 | $50.00 | 10/7/2010 5:23:00 PM |
| loan-adventurer7 | $36.00 | $36.00 | 10/7/2010 2:52:04 PM |
| skurfa | $25.00 | $25.00 | 10/7/2010 4:47:56 PM |
| itnAAnti | $25.00 | $25.00 | 10/7/2010 2:56:09 PM |
| MoonMama | $25.00 | $25.00 | 10/7/2010 2:59:10 PM |
| jigsaw | $100.00 | $100.00 | 10/7/2010 11:44:35 PM |
| blue-useful-auction | $25.00 | $25.00 | 10/7/2010 5:34:27 PM |
| jabberwockgee | $25.00 | $25.00 | 10/8/2010 2:43:07 AM |
| murph0025 | $40.00 | $40.00 | 10/7/2010 10:07:54 PM |
| euro-deployment | $25.00 | $25.00 | 10/8/2010 9:24:44 AM |
| jleng | $25.00 | $25.00 | 10/8/2010 9:35:33 AM |
| blue-fearless-payout | $25.00 | $25.00 | 10/8/2010 12:36:48 AM |
| delicious-social132 | $50.00 | $50.00 | 10/8/2010 3:48:06 AM |
| nicklds | $75.00 | $75.00 | 10/8/2010 11:01:43 AM |
| coin-investor | $25.00 | $25.00 | 10/8/2010 12:17:51 PM |
| Magus54 | $25.00 | $25.00 | 10/8/2010 12:39:31 PM |
| LandoC1 | $50.00 | $50.00 | 10/8/2010 12:39:28 PM |
| Paxman84 | $25.00 | $25.00 | 10/8/2010 12:43:20 PM |
| Strato | $25.00 | $1.48 | 10/8/2010 1:32:43 PM |
| Go_Ducks | $25.00 | $25.00 | 10/8/2010 12:14:25 PM |
| JohnGalt94 | $25.00 | $25.00 | 10/8/2010 1:23:42 PM |
| ericgassercom | $37.01 | $37.01 | 10/8/2010 1:29:03 PM |
| Emberfox | $46.02 | $46.02 | 10/8/2010 4:23:21 PM |
| goodcents | $25.00 | $25.00 | 10/8/2010 8:54:22 PM |
| loyalist1 | $100.00 | $100.00 | 10/11/2010 2:06:24 PM |
| CashBank | $25.00 | $25.00 | 10/12/2010 10:09:12 AM |
| preventivepestcontrol | $75.00 | $75.00 | 10/12/2010 11:15:21 AM |
| ethicalhumanist | $50.00 | $50.00 | 10/12/2010 12:56:58 PM |
| Bcs-cnc | $25.00 | $25.00 | 10/12/2010 1:35:00 PM |
| Ven58 | $25.00 | $25.00 | 10/13/2010 12:52:07 AM |
| authentic-peace7 | $25.00 | $25.00 | 10/13/2010 5:13:48 AM |
| scientists | $25.00 | $25.00 | 10/13/2010 9:21:06 AM |
| atomantic | $50.00 | $50.00 | 10/13/2010 10:16:48 AM |
| cul8rv8 | $26.98 | $26.98 | 10/13/2010 2:43:04 PM |
| malcolmreynolds | $25.00 | $25.00 | 10/13/2010 4:47:08 PM |
| BabiesMillion | $41.48 | $41.48 | 10/13/2010 5:52:00 PM |
| affluence-tambourine | $25.00 | $25.00 | 10/13/2010 7:36:50 PM |
| wealth-multiplier | $25.00 | $25.00 | 10/13/2010 9:54:25 PM |
| Whitewater_Loans | $50.00 | $50.00 | 10/14/2010 5:50:30 AM |
| Trapman13 | $50.00 | $50.00 | 10/14/2010 7:41:06 AM |
| social-zebra | $26.00 | $26.00 | 10/14/2010 9:35:14 AM |
| dime-vista2 | $36.14 | $36.14 | 10/14/2010 11:46:38 AM |
| JBF_Investments | $25.00 | $25.00 | 10/14/2010 10:12:32 AM |
| revenue-appraiser | $35.00 | $35.00 | 10/14/2010 1:51:09 PM |
| zztopdog | $25.00 | $25.00 | 10/14/2010 11:03:34 AM |
| blLending | $25.00 | $25.00 | 10/14/2010 11:23:11 AM |
| Astyanax | $75.00 | $75.00 | 10/14/2010 12:15:41 PM |
| 141 bids
|
Borrower Payment Dependent Notes Series
478781
This series of Notes was issued and sold upon the funding of the borrower loan #44845, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $11,500.00 |
Prosper Rating:
| B |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 6.0% |
Auction start date:
| Oct-08-2010 |
| |
Auction end date:
| Oct-14-2010 |
|
|
Starting lender yield:
| 14.15% |
Starting borrower rate/APR:
| 15.15% / 17.32% |
Starting monthly payment:
| $399.50 |
|
Final lender yield:
| 14.15% |
Final borrower rate/APR:
| 15.15% / 17.32% |
Final monthly payment:
| $399.50 |
| |
|
Auction yield range:
| 5.71% - 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:
| Sep-1993 |
Debt/Income ratio:
| 35% |
|
Credit score:
| 740-759 (Oct-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 18
/
16 | Length of status: | 12y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 30 |
Occupation: | Computer Programmer |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $52,874 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 63% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| kindness-equator9 |
Borrower's state:
| NewJersey |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Taking control of high interest
Purpose of loan:
This loan will be used to eliminate a high interest line of credit and pay off an additional high interest credit card in full.
My financial situation:
I am a good candidate for this loan because I have a long credit history with no late payments. I pay my bills on time, every time. This loan is part of a larger debt elimination strategy to lower to overall cost of my debt and pay off all revolving debt in a fixed period of time. The immediate benefit would be to gain a few points in my credit score so I can obtain the best rate on a mortgage refinance and apply those additional monthly savings to eliminating my revolving debt. Thank you for you consideration.
Monthly net income: $
$6517.00
Monthly expenses: $
??Housing: $1883.00
??Insurance: $377.00
??Car expenses: $401.00
??Utilities: $150.00
??Phone, cable, internet: $ n/a (work expensed)
??Food, entertainment: $200.00
??Clothing, household expenses $200.00
??Credit cards and other loans: $1350.00
??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
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| rescue | $25.00 | $25.00 | 10/8/2010 3:18:29 PM |
| radforj22 | $25.00 | $25.00 | 10/8/2010 3:19:51 PM |
| Weaverville | $50.00 | $50.00 | 10/8/2010 3:21:05 PM |
| Gabriel02 | $25.00 | $25.00 | 10/8/2010 3:20:25 PM |
| generous-deal6 | $50.00 | $50.00 | 10/8/2010 3:22:05 PM |
| kmr2 | $200.00 | $200.00 | 10/8/2010 3:26:17 PM |
| herbyman | $50.00 | $50.00 | 10/8/2010 3:26:04 PM |
| bowdish1 | $50.00 | $50.00 | 10/8/2010 3:26:53 PM |
| objective-investor | $100.00 | $100.00 | 10/8/2010 3:26:35 PM |
| tntmojave | $25.00 | $25.00 | 10/8/2010 3:28:22 PM |
| CAGE-Investments | $25.00 | $25.00 | 10/8/2010 3:30:14 PM |
| papaloha | $25.00 | $25.00 | 10/8/2010 3:20:54 PM |
| mla | $25.00 | $25.00 | 10/8/2010 3:30:35 PM |
| cybernosha | $25.00 | $25.00 | 10/8/2010 3:29:55 PM |
| simplelender80 | $250.00 | $250.00 | 10/8/2010 3:24:17 PM |
| bid-czar8 | $100.00 | $100.00 | 10/8/2010 3:24:35 PM |
| shmb6508 | $100.00 | $100.00 | 10/8/2010 3:24:41 PM |
| blue-useful-auction | $25.00 | $25.00 | 10/8/2010 4:33:42 PM |
| mamingo | $25.00 | $25.00 | 10/8/2010 4:42:50 PM |
| Teminole | $25.00 | $25.00 | 10/8/2010 5:23:35 PM |
| elegant-bonus | $25.00 | $25.00 | 10/8/2010 5:24:19 PM |
| velvetsmog | $25.00 | $25.00 | 10/8/2010 5:23:32 PM |
| JohnGalt79 | $100.00 | $100.00 | 10/8/2010 3:26:41 PM |
| greenback-summoner0 | $25.00 | $25.00 | 10/8/2010 5:23:36 PM |
| boater01 | $50.00 | $50.00 | 10/8/2010 5:24:35 PM |
| triumph329 | $25.00 | $25.00 | 10/8/2010 5:23:56 PM |
| Purple11 | $48.21 | $48.21 | 10/8/2010 5:24:26 PM |
| tech310 | $50.00 | $50.00 | 10/8/2010 3:27:11 PM |
| escharfer | $25.00 | $25.00 | 10/8/2010 3:27:20 PM |
| danthemon35 | $25.00 | $25.00 | 10/8/2010 5:24:44 PM |
| mtquan | $25.00 | $25.00 | 10/8/2010 3:27:23 PM |
| loan-adventurer7 | $50.00 | $50.00 | 10/8/2010 3:29:04 PM |
| loan-squadron | $25.00 | $25.00 | 10/8/2010 7:02:42 PM |
| icecoldcash | $50.00 | $50.00 | 10/8/2010 7:07:50 PM |
| penny-plato | $25.00 | $25.00 | 10/8/2010 3:32:16 PM |
| a-special-power | $50.00 | $50.00 | 10/8/2010 4:27:43 PM |
| credible-durability | $25.00 | $25.00 | 10/8/2010 9:43:29 PM |
| Katburg | $35.00 | $35.00 | 10/8/2010 4:38:17 PM |
| thunderd | $25.00 | $25.00 | 10/8/2010 10:38:44 PM |
| revenue-officer36 | $25.00 | $25.00 | 10/8/2010 10:39:06 PM |
| lcole32 | $25.00 | $25.00 | 10/8/2010 5:23:30 PM |
| order-gondola | $50.00 | $50.00 | 10/8/2010 5:24:27 PM |
| worldly-community3 | $50.00 | $50.00 | 10/8/2010 5:24:32 PM |
| Interstate_Rate | $100.00 | $100.00 | 10/8/2010 5:25:14 PM |
| Dutchhunter | $26.01 | $26.01 | 10/9/2010 2:31:45 AM |
| Bank42 | $29.30 | $29.30 | 10/9/2010 2:32:49 AM |
| brother_tam | $50.00 | $50.00 | 10/9/2010 2:51:03 AM |
| Magus54 | $25.00 | $25.00 | 10/9/2010 2:34:27 AM |
| Panna | $25.00 | $25.00 | 10/9/2010 3:08:38 AM |
| iLoaner | $25.00 | $25.00 | 10/9/2010 3:01:02 AM |
| Malkial | $25.00 | $25.00 | 10/9/2010 3:09:11 AM |
| tranquil-return4 | $25.00 | $25.00 | 10/9/2010 3:15:59 AM |
| justice-clipper | $25.65 | $25.65 | 10/9/2010 3:16:59 AM |
| Heatguy | $25.00 | $25.00 | 10/9/2010 6:43:08 AM |
| diverse2 | $35.00 | $35.00 | 10/9/2010 7:14:03 AM |
| get30inc | $40.98 | $40.98 | 10/9/2010 2:47:39 AM |
| harperpotok | $96.96 | $96.96 | 10/9/2010 10:07:44 AM |
| schnatty | $25.00 | $25.00 | 10/9/2010 3:00:16 AM |
| jleng | $25.00 | $25.00 | 10/9/2010 9:57:57 AM |
| trade-pumpkin | $25.00 | $25.00 | 10/9/2010 3:14:29 AM |
| worth-arch | $25.00 | $25.00 | 10/9/2010 3:15:54 AM |
| lendme2 | $25.00 | $25.00 | 10/9/2010 3:52:58 AM |
| a-consummate-camaraderi | $50.00 | $50.00 | 10/9/2010 11:57:42 AM |
| gopbernie | $25.00 | $25.00 | 10/9/2010 3:02:40 PM |
| the-upbeat-p2p | $50.00 | $50.00 | 10/9/2010 7:14:02 AM |
| alpinaut | $25.00 | $25.00 | 10/9/2010 8:23:55 AM |
| Prosp_Lender | $50.00 | $50.00 | 10/9/2010 11:02:47 PM |
| Anny-Disco | $50.00 | $50.00 | 10/10/2010 4:38:41 AM |
| Homeinvest | $25.00 | $25.00 | 10/10/2010 6:14:56 AM |
| nybanker85 | $25.58 | $25.58 | 10/10/2010 7:17:58 AM |
| japerk | $26.96 | $26.96 | 10/10/2010 9:52:48 AM |
| natural-note | $25.00 | $25.00 | 10/9/2010 4:32:44 PM |
| nycfinance | $25.00 | $25.00 | 10/10/2010 10:17:48 AM |
| mg6619 | $25.00 | $25.00 | 10/10/2010 12:38:36 PM |
| Gibbyland | $45.92 | $45.92 | 10/10/2010 10:38:49 AM |
| fairness-kayak | $25.00 | $25.00 | 10/9/2010 6:47:40 PM |
| InvestorPartners | $25.00 | $25.00 | 10/10/2010 4:32:47 PM |
| runner262 | $25.00 | $25.00 | 10/9/2010 11:52:43 PM |
| iflyforfun | $25.00 | $25.00 | 10/10/2010 3:12:52 AM |
| Jasper | $25.00 | $25.00 | 10/10/2010 7:17:53 AM |
| doc1 | $100.00 | $100.00 | 10/10/2010 9:16:52 AM |
| worthy-truth | $25.00 | $25.00 | 10/10/2010 8:17:45 PM |
| LiquidRaptor | $25.00 | $25.00 | 10/10/2010 9:17:52 PM |
| special-truth | $48.13 | $48.13 | 10/11/2010 9:27:42 AM |
| SDNLR | $25.00 | $25.00 | 10/10/2010 8:02:40 PM |
| djsvin1 | $50.00 | $50.00 | 10/11/2010 9:42:42 AM |
| Cypher041 | $25.00 | $25.00 | 10/10/2010 11:13:01 PM |
| dospapalotes | $33.22 | $33.22 | 10/11/2010 12:12:52 PM |
| helpinghand63 | $26.27 | $26.27 | 10/11/2010 12:48:20 PM |
| auction-elvis | $25.00 | $25.00 | 10/11/2010 2:58:59 PM |
| nicklds | $50.00 | $50.00 | 10/11/2010 2:59:29 PM |
| teller | $50.00 | $50.00 | 10/11/2010 3:00:42 PM |
| FadSaolAgat | $25.00 | $25.00 | 10/11/2010 2:59:22 PM |
| repayment-chef | $25.00 | $25.00 | 10/11/2010 3:00:04 PM |
| HHP | $25.00 | $25.00 | 10/11/2010 3:00:18 PM |
| larrybird | $77.11 | $77.11 | 10/11/2010 10:04:12 AM |
| dollardave | $100.00 | $100.00 | 10/11/2010 2:59:08 PM |
| worldly-penny8 | $25.00 | $25.00 | 10/11/2010 3:13:41 PM |
| tomdooley12520 | $25.00 | $25.00 | 10/11/2010 7:29:38 PM |
| dschaaf | $25.00 | $25.00 | 10/11/2010 6:53:59 PM |
| WiseInvestments | $29.44 | $29.44 | 10/11/2010 10:03:20 PM |
| gametime34 | $47.12 | $47.12 | 10/12/2010 4:58:44 AM |
| fopaul13 | $25.00 | $25.00 | 10/12/2010 1:54:21 AM |
| worthy-bid8 | $67.23 | $67.23 | 10/11/2010 3:14:07 PM |
| trustworthy-finance6 | $150.00 | $150.00 | 10/12/2010 7:10:08 AM |
| cash-horse7 | $25.00 | $25.00 | 10/12/2010 8:32:45 AM |
| shamil45 | $25.00 | $25.00 | 10/12/2010 9:03:14 AM |
| natural-greenback6 | $25.00 | $25.00 | 10/11/2010 8:13:02 PM |
| focused-return366 | $31.03 | $31.03 | 10/11/2010 8:31:28 PM |
| tylerfd | $25.00 | $25.00 | 10/11/2010 11:03:45 PM |
| THREE-POINTS-LENDING | $25.00 | $25.00 | 10/12/2010 9:02:49 AM |
| greenback-bull6 | $50.00 | $50.00 | 10/12/2010 9:12:51 AM |
| tsui517 | $25.00 | $25.00 | 10/12/2010 10:40:17 AM |
| graceful-investment | $34.00 | $34.00 | 10/12/2010 11:22:49 AM |
| eloquent-dough5 | $25.00 | $25.00 | 10/12/2010 1:07:43 PM |
| Bcs-cnc | $25.00 | $25.00 | 10/12/2010 2:00:10 PM |
| SafeSaxa | $50.00 | $50.00 | 10/12/2010 3:44:16 PM |
| Bendistraw | $29.55 | $29.55 | 10/12/2010 5:07:41 PM |
| nilonc1 | $25.00 | $25.00 | 10/12/2010 5:46:16 PM |
| CasaDeTomas | $25.00 | $25.00 | 10/12/2010 10:49:15 PM |
| irrelevant | $25.00 | $25.00 | 10/12/2010 9:28:21 PM |
| ashot12 | $25.00 | $25.00 | 10/12/2010 10:48:48 PM |
| UncleScroogeDMD | $100.00 | $100.00 | 10/13/2010 7:38:13 AM |
| soheagle | $30.78 | $30.78 | 10/13/2010 9:07:48 AM |
| KileNSmyth4 | $75.00 | $75.00 | 10/13/2010 9:43:33 AM |
| SelectTrustLending | $25.00 | $25.00 | 10/13/2010 2:27:51 PM |
| ethicalhumanist | $50.00 | $50.00 | 10/13/2010 2:44:20 PM |
| tarion3 | $25.00 | $25.00 | 10/13/2010 3:07:08 PM |
| DDPrime | $100.00 | $100.00 | 10/13/2010 3:18:01 PM |
| williemc44 | $50.00 | $50.00 | 10/13/2010 7:39:17 PM |
| excellent-greenback | $50.00 | $50.00 | 10/13/2010 7:53:44 PM |
| integrityisnumone | $25.00 | $25.00 | 10/13/2010 3:18:08 PM |
| wacko82 | $30.32 | $30.32 | 10/13/2010 11:36:10 PM |
| rupee-prairie | $75.00 | $75.00 | 10/14/2010 7:35:56 AM |
| dcap3 | $50.00 | $50.00 | 10/14/2010 5:22:52 AM |
| GElender | $50.00 | $50.00 | 10/14/2010 7:54:38 AM |
| leverage-monger | $25.00 | $25.00 | 10/14/2010 8:06:15 AM |
| wwwUniversal | $25.00 | $25.00 | 10/14/2010 5:28:51 AM |
| nickel-hickory | $50.00 | $50.00 | 10/14/2010 9:40:23 AM |
| mrladybug101 | $100.00 | $100.00 | 10/14/2010 7:48:37 AM |
| Hazlenut | $25.00 | $25.00 | 10/14/2010 10:45:00 AM |
| wealth-hercules | $25.00 | $25.00 | 10/14/2010 9:35:11 AM |
| selector568 | $200.00 | $200.00 | 10/8/2010 3:20:39 PM |
| bountiful-durability | $100.00 | $100.00 | 10/8/2010 3:24:05 PM |
| jazzlender | $25.00 | $25.00 | 10/8/2010 3:24:51 PM |
| studious-bonus7 | $100.00 | $100.00 | 10/8/2010 3:24:26 PM |
| mike_banker | $50.00 | $50.00 | 10/8/2010 3:25:25 PM |
| jdwillcox | $50.00 | $50.00 | 10/8/2010 3:25:36 PM |
| marketplace-cello5 | $50.00 | $50.00 | 10/8/2010 3:27:34 PM |
| ichibon | $150.00 | $150.00 | 10/8/2010 3:28:08 PM |
| authentic-liberty7 | $25.00 | $25.00 | 10/8/2010 3:19:38 PM |
| delicious-social132 | $50.00 | $50.00 | 10/8/2010 3:31:35 PM |
| chemistry220 | $50.00 | $50.00 | 10/8/2010 3:22:32 PM |
| bold-shrewd-duty | $50.00 | $50.00 | 10/8/2010 3:32:34 PM |
| COguy | $25.00 | $25.00 | 10/8/2010 3:39:06 PM |
| DRA-Properties | $25.00 | $25.00 | 10/8/2010 3:24:16 PM |
| cpbreton | $25.00 | $25.00 | 10/8/2010 5:23:38 PM |
| gethsemane4 | $25.00 | $25.00 | 10/8/2010 5:23:53 PM |
| Hola_James | $50.00 | $50.00 | 10/8/2010 5:23:33 PM |
| platytanz | $50.00 | $50.00 | 10/8/2010 5:24:27 PM |
| lloyd_s | $25.00 | $25.00 | 10/8/2010 5:24:37 PM |
| meteoric-trade | $25.00 | $25.00 | 10/8/2010 5:24:46 PM |
| Avala | $50.00 | $50.00 | 10/8/2010 5:24:28 PM |
| treasure-dreamer7 | $50.00 | $50.00 | 10/8/2010 5:24:33 PM |
| asset-professor | $50.00 | $50.00 | 10/8/2010 5:25:06 PM |
| moola-wildebeest3 | $50.00 | $50.00 | 10/8/2010 3:27:56 PM |
| bambampk | $25.00 | $25.00 | 10/8/2010 3:30:55 PM |
| Bank_Of_XL | $50.00 | $50.00 | 10/8/2010 3:36:11 PM |
| diablo_ny | $25.00 | $25.00 | 10/8/2010 9:18:36 PM |
| a-healthy-affluence | $28.71 | $28.71 | 10/8/2010 9:43:22 PM |
| simpy | $25.00 | $25.00 | 10/8/2010 9:43:26 PM |
| archeanchaos | $25.00 | $25.00 | 10/8/2010 10:08:49 PM |
| Aeroman32 | $25.00 | $25.00 | 10/8/2010 10:38:46 PM |
| jackbauer | $25.00 | $25.00 | 10/8/2010 10:38:49 PM |
| petejones32 | $25.00 | $25.00 | 10/8/2010 5:23:34 PM |
| cathexis | $50.00 | $50.00 | 10/8/2010 5:23:41 PM |
| ms48105 | $25.00 | $25.00 | 10/8/2010 5:24:29 PM |
| best-phenomenal-treasure | $25.00 | $25.00 | 10/8/2010 5:24:35 PM |
| srilm | $25.00 | $25.00 | 10/9/2010 2:32:50 AM |
| jdrez | $25.00 | $25.00 | 10/9/2010 2:30:51 AM |
| Downs108 | $26.83 | $26.83 | 10/9/2010 2:31:36 AM |
| coin-investor | $25.00 | $25.00 | 10/9/2010 3:09:20 AM |
| ferdberfel | $34.57 | $34.57 | 10/9/2010 3:00:08 AM |
| js44043 | $25.00 | $25.00 | 10/9/2010 10:13:11 AM |
| witty-principal | $50.00 | $50.00 | 10/9/2010 9:57:52 AM |
| JGB | $67.01 | $67.01 | 10/9/2010 3:09:02 AM |
| AF-Chief | $25.00 | $25.00 | 10/9/2010 3:09:33 AM |
| ryanp100 | $25.00 | $25.00 | 10/9/2010 10:13:19 AM |
| Snowman5 | $26.96 | $26.96 | 10/9/2010 4:32:43 PM |
| jenq0001 | $25.00 | $25.00 | 10/9/2010 7:33:34 PM |
| Rysterola82 | $50.00 | $50.00 | 10/9/2010 8:39:18 AM |
| trustu | $27.92 | $27.92 | 10/9/2010 8:33:34 PM |
| RicheyRich | $25.00 | $25.00 | 10/9/2010 9:32:44 PM |
| Artist_Blue | $25.00 | $25.00 | 10/9/2010 9:58:04 AM |
| loan-adventurer7 | $36.00 | $36.00 | 10/9/2010 12:07:38 PM |
| icontender | $25.00 | $25.00 | 10/10/2010 7:17:54 AM |
| FG9YTR | $25.00 | $25.00 | 10/10/2010 7:17:59 AM |
| ImaPutz | $25.00 | $25.00 | 10/9/2010 1:32:43 PM |
| macgeek | $31.36 | $31.36 | 10/9/2010 2:53:20 PM |
| cloud8 | $50.00 | $50.00 | 10/10/2010 10:33:09 AM |
| HedgeFund | $44.89 | $44.89 | 10/10/2010 5:08:50 PM |
| efficient-treasure0 | $25.00 | $25.00 | 10/10/2010 5:33:11 PM |
| Bankman68 | $50.00 | $50.00 | 10/10/2010 5:48:17 PM |
| the-profit-oracle | $25.00 | $25.00 | 10/10/2010 8:13:38 PM |
| the-determined-value | $50.00 | $50.00 | 10/10/2010 8:38:30 PM |
| mizon291 | $50.00 | $50.00 | 10/11/2010 12:08:00 AM |
| principal-bull | $25.00 | $25.00 | 10/11/2010 6:42:55 AM |
| loan-paladin470 | $25.00 | $25.00 | 10/11/2010 8:22:59 AM |
| agiovasil | $25.00 | $25.00 | 10/11/2010 9:01:20 AM |
| the-gold-quark | $25.00 | $25.00 | 10/11/2010 11:12:39 AM |
| dmfog | $25.00 | $25.00 | 10/11/2010 10:04:14 AM |
| JohnGalt94 | $25.00 | $25.00 | 10/11/2010 12:48:21 PM |
| charming-dime | $25.00 | $25.00 | 10/11/2010 2:59:04 PM |
| cablenews | $50.00 | $50.00 | 10/11/2010 3:00:43 PM |
| a-finance-nirvana | $25.00 | $25.00 | 10/11/2010 9:01:47 AM |
| jrbill1998 | $48.65 | $48.65 | 10/11/2010 9:17:42 AM |
| kindness-hickory5 | $50.00 | $50.00 | 10/11/2010 3:00:34 PM |
| NiceNate | $50.00 | $50.00 | 10/11/2010 3:07:28 PM |
| upbeat-investment9 | $50.00 | $50.00 | 10/11/2010 3:07:24 PM |
| harmonious-moola7 | $50.00 | $50.00 | 10/11/2010 3:13:17 PM |
| successful-agreement7 | $50.00 | $50.00 | 10/11/2010 2:59:05 PM |
| LendDoc | $50.00 | $50.00 | 10/11/2010 2:59:23 PM |
| lending-bear | $39.14 | $39.14 | 10/11/2010 2:59:34 PM |
| visionary-community | $25.00 | $25.00 | 10/11/2010 3:00:20 PM |
| samo102us | $25.00 | $25.00 | 10/11/2010 3:00:54 PM |
| Skiph | $25.00 | $25.00 | 10/11/2010 4:04:26 PM |
| rhodylend | $25.00 | $25.00 | 10/11/2010 4:48:03 PM |
| Mav26 | $52.75 | $52.75 | 10/11/2010 6:51:29 PM |
| awwaww | $25.00 | $25.00 | 10/12/2010 2:47:44 AM |
| boomer5 | $25.00 | $25.00 | 10/11/2010 3:23:52 PM |
| BuckeyeTap | $50.00 | $50.00 | 10/12/2010 3:57:44 AM |
| dregan | $50.00 | $50.00 | 10/12/2010 6:42:54 AM |
| Akkon | $50.00 | $50.00 | 10/11/2010 3:42:44 PM |
| payout-achievement | $40.00 | $40.00 | 10/12/2010 7:07:45 AM |
| truth-companion | $37.27 | $37.27 | 10/12/2010 8:53:41 AM |
| MissionMicroFinance | $25.00 | $25.00 | 10/12/2010 10:25:18 AM |
| jigsaw | $100.00 | $100.00 | 10/12/2010 10:26:37 AM |
| crenen139 | $25.00 | $25.00 | 10/12/2010 10:31:03 AM |
| elfincove | $25.00 | $25.00 | 10/12/2010 12:22:58 PM |
| jeg3k | $50.00 | $50.00 | 10/12/2010 10:28:08 AM |
| saysana | $25.00 | $25.00 | 10/12/2010 12:35:26 PM |
| life-is-great | $50.00 | $50.00 | 10/12/2010 12:35:50 PM |
| Tradesmanlender | $25.00 | $25.00 | 10/12/2010 12:37:50 PM |
| MutuallyBeneficial | $44.25 | $44.25 | 10/12/2010 3:53:17 PM |
| MadHun | $75.00 | $75.00 | 10/12/2010 4:12:54 PM |
| forthright-dedication | $50.00 | $50.00 | 10/12/2010 3:54:14 PM |
| ClearCut | $50.00 | $50.00 | 10/12/2010 5:01:39 PM |
| piper1636 | $50.00 | $50.00 | 10/12/2010 9:31:20 PM |
| Tomeus | $75.00 | $75.00 | 10/12/2010 10:49:30 PM |
| veneziani | $25.00 | $25.00 | 10/12/2010 10:03:06 PM |
| gallant-economy9 | $289.56 | $289.56 | 10/12/2010 10:09:35 PM |
| B-rad_the_Coug | $25.00 | $25.00 | 10/12/2010 10:23:52 PM |
| Go_Ducks | $25.00 | $25.00 | 10/13/2010 9:29:11 AM |
| ericgassercom | $50.00 | $50.00 | 10/13/2010 9:31:11 AM |
| psa1995 | $50.00 | $50.00 | 10/13/2010 9:31:18 AM |
| wealth-carrier | $25.00 | $25.00 | 10/13/2010 1:35:22 AM |
| handshake5 | $100.00 | $100.00 | 10/13/2010 9:49:57 AM |
| lendingfrog | $50.00 | $50.00 | 10/13/2010 10:04:00 AM |
| TakeCare | $80.00 | $80.00 | 10/13/2010 10:54:06 AM |
| skuba | $50.00 | $50.00 | 10/13/2010 10:04:12 AM |
| Riccous | $25.13 | $25.13 | 10/13/2010 3:23:12 PM |
| taurusco | $50.00 | $50.00 | 10/13/2010 4:53:18 PM |
| loss-of-control | $25.00 | $25.00 | 10/13/2010 6:49:08 PM |
| lively-point | $25.00 | $25.00 | 10/13/2010 4:48:41 PM |
| Rick21 | $100.00 | $100.00 | 10/13/2010 10:14:45 PM |
| IIP77 | $25.00 | $10.32 | 10/14/2010 9:41:25 AM |
| shrewd-benjamins | $50.00 | $50.00 | 10/14/2010 9:41:48 AM |
| well-mannered-basis1 | $50.00 | $50.00 | 10/14/2010 9:34:43 AM |
| intlargonaut | $38.91 | $38.91 | 10/14/2010 8:54:29 AM |
| velocity-onator | $25.00 | $25.00 | 10/14/2010 10:30:49 AM |
| 270 bids
|
Borrower Payment Dependent Notes Series
478863
This series of Notes was issued and sold upon the funding of the borrower loan #44844, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,800.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.3% |
Auction start date:
| Oct-12-2010 |
| |
Auction end date:
| Oct-15-2010 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $126.66 |
|
Final lender yield:
| 34.00% |
Final borrower rate/APR:
| 35.00% / 38.72% |
Final monthly payment:
| $126.66 |
| |
|
Auction yield range:
| 16.71% - 34.00% |
Estimated loss impact:
| 20.31% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 13.69% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented 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:
| Jul-1996 |
Debt/Income ratio:
| 30% |
|
Credit score:
| 700-719 (Sep-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
9 | Length of status: | 2y 3m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 36 |
Occupation: | Engineer - Electric... |
|
Public records last 12m / 10y:
| 0/ 2 |
Revolving credit balance:
| $13,043 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 98% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| telescope47 |
Borrower's state:
| Missouri |
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.
Description
Relisted - debt consolidation
Purpose of loan:
This loan will be used to? I will be using this loan to payoff some of my debt.
My financial situation:
I am a good candidate for this loan because? I take my credit score very seriously, and I will make my payments on time. I would like to explain the tax lien on my credit report. I just move from AR to MO, but the tax preparer but down AR on my federal taxes which I didn?t know about. Four years after the fact, I was contacted by AR tax bureau stating that I owed taxes for that year. I explained them my situation and file the necessary paper to get the tax?issue taking care of. They removed the lien, but it still on my credit report. I tried to get it removed, but?I couldn?t. The reason for this loan:?I been in college for last couple of years (BSEE from University of Missouri St. Louis), so I want to pay off some of my bills?due to me being in school. I?m working full time now as a Project Engineer. I?m financially able to pay back the loan. I get more versatility credit wise and you get a great return on your money.?
Since my first listing didn't get completely funded. I'm not going try to pay off my $6800 in debt all at once. I will be focusing on two of my?major bills: My funiture?store credit card?balance is $1350 and my personal loan balance is around $1450. I pay $275/month on the funiture card and $315/month on the personal loan. When I combine these loans and pay them off with this Prosper loan that will give me $590/month to pay on the Prosper and pay on my other debts. Which one is to pay on my two credit cards to get my card utilization from 98% to?25%.?I will have more than enough to pay back this loan.?
Thank You,
I will provide any answers or necessary paperwork to prove that I will pay back this loan.
Monthly net income: $ 4490
Monthly expenses: $ 2285
??Housing: $ 650.00
??Insurance: $ 150.00
??Car expenses: $ 325.00?
??Utilities: $ 200
??Phone, cable, internet: $ 60
??Food, entertainment: $ 250
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 450
??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
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| AlexTrep | $29.73 | $29.73 | 10/12/2010 10:14:20 AM |
| worthy-bid8 | $25.00 | $25.00 | 10/12/2010 5:24:22 PM |
| AlexTrep | $25.00 | $3.58 | 10/13/2010 11:32:54 AM |
| YoungTaxMan | $50.00 | $50.00 | 10/13/2010 1:39:39 PM |
| ethicalhumanist | $25.00 | $25.00 | 10/13/2010 2:52:34 PM |
| realtormoises | $25.00 | $25.00 | 10/13/2010 2:49:30 PM |
| penny-plato | $25.00 | $25.00 | 10/13/2010 3:14:15 PM |
| boodo | $246.55 | $246.55 | 10/13/2010 4:14:45 PM |
| Jinja | $50.00 | $50.00 | 10/13/2010 5:16:04 PM |
| SolarMoonshine | $25.00 | $25.00 | 10/13/2010 6:10:04 PM |
| Asian-Persuasion | $25.00 | $25.00 | 10/14/2010 5:48:58 AM |
| mikeandcat | $25.14 | $25.14 | 10/14/2010 6:10:02 AM |
| well-mannered-income3 | $50.00 | $50.00 | 10/14/2010 3:00:40 PM |
| hookUup | $50.00 | $50.00 | 10/14/2010 6:24:34 PM |
| orionn1 | $38.00 | $38.00 | 10/14/2010 10:02:15 PM |
| investinFla | $25.00 | $25.00 | 10/14/2010 7:45:00 PM |
| SFBank | $300.00 | $300.00 | 10/14/2010 7:13:57 PM |
| reflective-rupee | $150.00 | $150.00 | 10/13/2010 12:40:58 PM |
| Starfin-Capital-Management | $500.00 | $500.00 | 10/13/2010 1:52:48 PM |
| Starfin-Capital-Management | $500.00 | $500.00 | 10/13/2010 1:52:26 PM |
| TakeCare | $50.00 | $50.00 | 10/13/2010 10:55:57 AM |
| boodo | $300.00 | $300.00 | 10/13/2010 4:14:17 PM |
| enlighter | $32.00 | $32.00 | 10/14/2010 12:21:04 PM |
| Amber_Stone | $25.00 | $25.00 | 10/14/2010 7:52:30 PM |
| danza | $25.00 | $25.00 | 10/15/2010 3:05:13 AM |
| icanhasloanz | $100.00 | $100.00 | 10/14/2010 10:40:34 PM |
| yons88 | $25.00 | $25.00 | 10/14/2010 10:01:29 PM |
| Kqwik | $25.00 | $25.00 | 10/15/2010 4:36:39 AM |
| rakem777 | $25.00 | $25.00 | 10/15/2010 7:17:58 AM |
| FinanceEngine | $25.00 | $25.00 | 10/15/2010 7:52:48 AM |
| 30 bids
|
Borrower Payment Dependent Notes Series
476722
This series of Notes was issued and sold upon the funding of the borrower loan #44831, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $14,000.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 3.5% |
Auction start date:
| Sep-23-2010 |
| |
Auction end date:
| Sep-30-2010 |
|
|
Starting lender yield:
| 12.61% |
Starting borrower rate/APR:
| 13.61% / 15.76% |
Starting monthly payment:
| $475.84 |
|
Final lender yield:
| 10.15% |
Final borrower rate/APR:
| 11.15% / 13.27% |
Final monthly payment:
| $459.34 |
| |
|
Auction yield range:
| 3.79% - 12.61% |
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:
| Nov-1995 |
Debt/Income ratio:
| 13% |
|
Credit score:
| 760-779 (Sep-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
8 | Length of status: | 0y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 18 |
Occupation: | Executive |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $5,279 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 3 |
Bankcard utilization:
| 72% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| balance-harmony |
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
MBA Shrunk Savings/Relocate New Job
Purpose of loan: Used $50K savings to pay for MBA. Graduated 12/08. Best investment made, but strain on savings. Will use loan to consolidate revolving CC debt & add $1k per mo to rebuild savings. Thanks for your funding consideration!
Financial situation: Laid off 11/09-holiday season, but found better job 3/10 in NV, hence reason for relocate & added 2nd home expense. Great income: $120k annual, 25% bonus & $56k annual trust income. Bought IL home 9/06; accelerated paymts 4 yrs; addl $19k equity ($60k total). Co will pay moving expense when IL home sells, but responsible for expenses thus far. Debt due to 2nd home exp, moving essentials, furnished home deposits, 5-mo COBRA paymts.
Monthly Income=$11,200 Monthly Expense IL & NV=$9,701
Breakdown=IL=Mort/Ins=2066; Prop Taxes=613; Util/trash/H2O=180; Yard=200
Breakdown=NV=Furnished Rental=2200; Util=300; Int/Cable/Cell=216; Car Notes=1064; Car Ins=202; Food/Enter=800; Misc=300; CC(Mine/Wife's)=1500
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
What kind of Executive? Does your wife work too? What firm hired you? Your old company had layoffs so, how long will your employment last now (its been only 6 mos)? - magnificent-income7
A:
Executive in casino industry. Worked for former employer 4+ yrs & earlier in my career. Due to IL's non-smoking ban that went into effect 1/08 & worsened economy, co had no choice but to downsize & add responsibilities to middle management. Current job very secure; much larger property; LV market can't function without my position; Co financially stable. Intention was to change co due to 0 growth potential in IL market. Wife left job '09 to finish Acct. minor/now actively seeking FT employ.
(Sep-24-2010)
Q:
can you downsize or get rid of the car notes!? > $1K is a big expense just for mobility. - shrewd-income
A:
Agreed. Hindsight, I wouldn?t have given up old car (Toyota; 180+k miles; gave to worthy/less fortunate family member). Had only 1 car when wife & I worked for same company; we carpooled. Needed 2 cars in IL for jobs & both had substantial incomes. Both cars have 60 mo notes; Honda 2 yrs/7 mos left; Toyota 2 yrs/5 mos left. Will look into it, but pretty sure upside down cause of small down payments & no trade-in? Lesson learned & we will drive these until they don?t move.
(Sep-27-2010)
Q:
2.5 years remaining on car leases is over $30K....I understand you're probably upside down on the loans but there must be a way out that makes sense. you can get perfectly good used cars like Scions for under $10K...must consider all options... - shrewd-income
A:
Looked at current loan pay-offs & updated blue book trade-in and/or private sell options today?looks better than last November & better than expected?especially with wife?s car (low mileage/equity) & replacing with a pre-owned purchase?hadn?t really thought of purchasing pre-owned. Interest rates still low & many used car options in LV. Scions look solid and didn?t know it?s a Toyota. This could be a reasonable option that would make sense?thanks.
(Sep-28-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| DRA-Properties | $25.00 | $25.00 | 9/23/2010 2:31:10 PM |
| Weaverville | $25.00 | $25.00 | 9/23/2010 2:40:18 PM |
| ray1051 | $25.00 | $25.00 | 9/23/2010 2:42:33 PM |
| schpere | $75.00 | $75.00 | 9/23/2010 2:42:36 PM |
| soheagle | $25.00 | $25.00 | 9/23/2010 2:43:19 PM |
| jigsaw | $100.00 | $100.00 | 9/23/2010 2:44:16 PM |
| mtquan | $25.00 | $25.00 | 9/23/2010 2:44:35 PM |
| studious-bonus7 | $100.00 | $100.00 | 9/23/2010 2:43:29 PM |
| enthralling-deal180 | $100.00 | $100.00 | 9/23/2010 2:44:12 PM |
| organized-payment6 | $50.00 | $50.00 | 9/23/2010 2:40:23 PM |
| meenan | $25.00 | $25.00 | 9/23/2010 2:44:47 PM |
| radforj22 | $25.00 | $25.00 | 9/23/2010 2:42:13 PM |
| generous-deal6 | $50.00 | $50.00 | 9/23/2010 2:44:24 PM |
| bid-czar8 | $100.00 | $100.00 | 9/23/2010 2:44:31 PM |
| first-listing-expert | $25.00 | $25.00 | 9/23/2010 2:44:42 PM |
| CasaDeTomas | $100.00 | $100.00 | 9/23/2010 2:45:05 PM |
| AF-Chief | $25.00 | $25.00 | 9/23/2010 4:18:50 PM |
| danthemon35 | $25.00 | $25.00 | 9/23/2010 4:18:55 PM |
| the-money-gargantuan | $25.00 | $25.00 | 9/23/2010 5:14:29 PM |
| penny-plato | $25.00 | $25.00 | 9/23/2010 5:38:12 PM |
| larrybird | $25.00 | $25.00 | 9/23/2010 6:04:10 PM |
| zenchef | $25.00 | $25.00 | 9/23/2010 4:20:46 PM |
| thestartuplender | $38.41 | $38.41 | 9/23/2010 6:18:24 PM |
| best-phenomenal-treasure | $25.00 | $25.00 | 9/23/2010 6:48:46 PM |
| order-gondola | $50.00 | $50.00 | 9/23/2010 7:44:21 PM |
| prudent-loot | $25.00 | $25.00 | 9/23/2010 10:54:57 PM |
| mla | $25.00 | $25.00 | 9/23/2010 10:33:59 PM |
| Cheburashka | $25.00 | $25.00 | 9/24/2010 1:40:34 AM |
| nickel-advocator | $25.00 | $25.00 | 9/24/2010 1:13:52 AM |
| inspired-finance | $50.00 | $50.00 | 9/24/2010 3:03:39 AM |
| Ducatiman1978 | $25.00 | $25.00 | 9/24/2010 3:03:43 AM |
| bodascafe | $25.00 | $25.00 | 9/24/2010 3:03:52 AM |
| worldly-community3 | $50.00 | $50.00 | 9/24/2010 3:03:55 AM |
| vegibenz | $25.00 | $25.00 | 9/24/2010 3:04:16 AM |
| CAGE-Investments | $25.00 | $25.00 | 9/24/2010 2:07:39 AM |
| macgeek | $29.07 | $29.07 | 9/24/2010 1:53:01 AM |
| HHP | $25.00 | $25.00 | 9/24/2010 3:03:37 AM |
| 108lender | $92.60 | $92.60 | 9/24/2010 3:03:44 AM |
| tranquil-return4 | $25.00 | $25.00 | 9/24/2010 3:03:52 AM |
| yukongin | $100.00 | $100.00 | 9/24/2010 3:03:56 AM |
| lloyd_s | $25.00 | $25.00 | 9/24/2010 4:32:30 AM |
| Opportunity4you | $25.00 | $25.00 | 9/24/2010 3:03:38 AM |
| elegant-bonus | $25.00 | $25.00 | 9/24/2010 3:03:44 AM |
| balanced-bill7 | $50.00 | $50.00 | 9/24/2010 3:03:51 AM |
| SimpleChoice | $25.00 | $25.00 | 9/24/2010 3:03:55 AM |
| lovely-order7 | $25.93 | $25.93 | 9/24/2010 5:47:06 AM |
| balanced-rupee | $50.00 | $50.00 | 9/24/2010 6:35:16 AM |
| platytanz | $50.00 | $50.00 | 9/24/2010 7:07:29 AM |
| bountiful-durability | $100.00 | $100.00 | 9/24/2010 8:29:47 AM |
| cpbreton | $25.00 | $25.00 | 9/24/2010 9:43:35 AM |
| gethsemane4 | $25.00 | $25.00 | 9/24/2010 8:29:54 AM |
| Tradesmanlender | $25.00 | $25.00 | 9/24/2010 9:46:46 AM |
| nycfinance | $25.00 | $25.00 | 9/24/2010 9:47:19 AM |
| balance-voyager | $25.00 | $25.00 | 9/24/2010 8:56:57 AM |
| Purple11 | $29.05 | $29.05 | 9/24/2010 10:02:15 AM |
| jdrez | $25.00 | $25.00 | 9/24/2010 11:37:37 AM |
| ms48105 | $25.00 | $25.00 | 9/24/2010 11:38:44 AM |
| janus_god | $25.00 | $25.00 | 9/24/2010 10:32:41 AM |
| treasure-dreamer7 | $50.00 | $50.00 | 9/24/2010 11:47:21 AM |
| platinum-sorcerer6 | $28.97 | $28.97 | 9/24/2010 12:47:06 PM |
| tom48l | $50.00 | $50.00 | 9/24/2010 11:32:15 AM |
| runner262 | $25.00 | $25.00 | 9/24/2010 12:04:57 PM |
| Avala | $50.00 | $50.00 | 9/24/2010 1:22:15 PM |
| shrewd-peace7 | $25.00 | $25.00 | 9/24/2010 2:17:10 PM |
| BaileyBrothers | $50.00 | $50.00 | 9/24/2010 1:47:53 PM |
| j2ee | $25.00 | $25.00 | 9/24/2010 2:58:10 PM |
| irrelevant | $25.00 | $25.00 | 9/24/2010 3:24:28 PM |
| commerce-proton1 | $25.00 | $25.00 | 9/24/2010 4:07:41 PM |
| icecoldcash | $50.00 | $50.00 | 9/24/2010 5:07:13 PM |
| powerful-finance7 | $25.00 | $25.00 | 9/25/2010 4:32:31 AM |
| jimbo29blue | $50.00 | $50.00 | 9/25/2010 7:17:50 AM |
| money4u2use | $25.00 | $25.00 | 9/25/2010 5:40:59 AM |
| don'twannadance | $50.00 | $50.00 | 9/25/2010 6:59:25 AM |
| jimbo29blue | $50.00 | $50.00 | 9/25/2010 7:18:11 AM |
| Interstate_Rate | $100.00 | $100.00 | 9/25/2010 10:47:17 AM |
| cscott2007 | $25.00 | $25.00 | 9/25/2010 8:02:03 PM |
| SPB | $25.00 | $25.00 | 9/26/2010 5:53:24 AM |
| triumph329 | $31.81 | $31.81 | 9/25/2010 10:42:17 PM |
| rdrloan | $50.00 | $50.00 | 9/26/2010 7:27:08 AM |
| MarinLoans | $25.00 | $25.00 | 9/26/2010 7:28:56 AM |
| patriot897 | $50.00 | $50.00 | 9/26/2010 7:55:14 AM |
| a-power-amigo | $25.00 | $25.00 | 9/26/2010 1:35:17 PM |
| ralf206 | $100.00 | $100.00 | 9/26/2010 5:15:16 PM |
| banker727 | $50.00 | $50.00 | 9/26/2010 3:22:04 PM |
| Kisha | $350.00 | $350.00 | 9/26/2010 10:42:44 PM |
| minista | $25.00 | $25.00 | 9/27/2010 5:57:08 AM |
| gracej | $25.00 | $25.00 | 9/27/2010 9:02:42 AM |
| worthy-bid8 | $100.00 | $100.00 | 9/27/2010 9:03:00 AM |
| williemc44 | $50.00 | $50.00 | 9/27/2010 9:41:55 AM |
| MechEngineer | $25.00 | $25.00 | 9/27/2010 9:38:36 AM |
| credit-scout7 | $50.00 | $50.00 | 9/27/2010 11:05:21 AM |
| Rivervale_Westwood | $25.00 | $25.00 | 9/27/2010 11:53:45 AM |
| objective-investor | $54.97 | $54.97 | 9/27/2010 12:49:29 PM |
| ideal-platinum1 | $25.84 | $25.84 | 9/27/2010 4:12:24 PM |
| ogmanny | $50.00 | $50.00 | 9/27/2010 4:23:30 PM |
| sound | $50.00 | $50.00 | 9/27/2010 4:13:17 PM |
| tolerant-dinero2 | $25.00 | $25.00 | 9/27/2010 4:14:53 PM |
| golden-bid9 | $50.00 | $50.00 | 9/27/2010 6:13:01 PM |
| red-adaptable-funds | $50.00 | $50.00 | 9/27/2010 6:12:58 PM |
| psa1995 | $50.00 | $50.00 | 9/27/2010 8:37:18 PM |
| life-is-great | $50.00 | $50.00 | 9/28/2010 5:47:17 AM |
| LongTail | $25.00 | $25.00 | 9/28/2010 6:03:00 AM |
| wwwUniversal | $25.00 | $25.00 | 9/28/2010 7:27:13 AM |
| the-enterprising-leverage | $25.00 | $25.00 | 9/28/2010 10:37:08 AM |
| peso-genome | $50.00 | $50.00 | 9/28/2010 10:02:33 AM |
| Phantom99 | $25.00 | $25.00 | 9/28/2010 12:07:25 PM |
| jstnow | $25.00 | $25.00 | 9/28/2010 12:13:37 PM |
| bayareainv | $50.00 | $50.00 | 9/28/2010 2:19:41 PM |
| caring-hope2 | $50.00 | $50.00 | 9/28/2010 6:29:16 PM |
| BigLinCT | $25.00 | $25.00 | 9/28/2010 5:02:01 PM |
| hopeful-asset9 | $25.00 | $25.00 | 9/28/2010 6:03:48 PM |
| nunnie | $25.00 | $25.00 | 9/28/2010 11:38:49 PM |
| Lender97 | $25.00 | $25.00 | 9/28/2010 11:59:34 PM |
| skuba | $50.00 | $50.00 | 9/29/2010 12:32:15 AM |
| debt-legend | $25.00 | $25.00 | 9/29/2010 8:51:31 AM |
| wise-silver-wonder | $25.00 | $25.00 | 9/29/2010 9:18:29 AM |
| Clambake | $50.00 | $50.00 | 9/29/2010 9:22:43 AM |
| ommcd | $25.00 | $25.00 | 9/29/2010 9:22:56 AM |
| dritter | $25.00 | $25.00 | 9/29/2010 9:37:32 AM |
| trade-freshmaker | $50.00 | $50.00 | 9/29/2010 10:02:12 AM |
| ptjg | $33.76 | $33.76 | 9/29/2010 10:02:45 AM |
| scottr | $25.00 | $25.00 | 9/29/2010 10:02:20 AM |
| eldorado71 | $25.00 | $25.00 | 9/29/2010 11:44:30 AM |
| cash-blueberry | $25.00 | $25.00 | 9/29/2010 1:37:14 PM |
| tr-doc | $200.00 | $200.00 | 9/29/2010 2:55:05 PM |
| blitz_ac | $25.00 | $25.00 | 9/29/2010 3:51:52 PM |
| cbfresh | $50.00 | $50.00 | 9/29/2010 4:31:02 PM |
| missgina | $25.00 | $25.00 | 9/29/2010 8:45:12 PM |
| shadowflame_99 | $25.00 | $25.00 | 9/29/2010 11:53:40 PM |
| a-resplendent-commitment | $50.00 | $50.00 | 9/29/2010 9:34:40 PM |
| credit-birch | $100.00 | $100.00 | 9/30/2010 1:18:21 AM |
| capital-star5 | $25.00 | $25.00 | 9/30/2010 3:49:01 AM |
| finance-burger | $25.00 | $25.00 | 9/30/2010 7:44:35 AM |
| micloans | $25.00 | $25.00 | 9/30/2010 4:58:09 AM |
| shdof2 | $25.00 | $25.00 | 9/30/2010 8:10:13 AM |
| moneytolend72 | $25.00 | $25.00 | 9/30/2010 7:23:12 AM |
| SomebodysMom | $25.00 | $25.00 | 9/30/2010 9:37:18 AM |
| triumphant-bonus | $27.00 | $27.00 | 9/30/2010 8:56:36 AM |
| relaxation688 | $25.00 | $25.00 | 9/30/2010 9:24:53 AM |
| Richmp412 | $25.00 | $25.00 | 9/30/2010 9:31:08 AM |
| grasscutter | $25.00 | $25.00 | 9/30/2010 10:08:26 AM |
| liberty-grizzly | $100.00 | $100.00 | 9/30/2010 12:23:27 PM |
| Prairie-MN | $30.00 | $30.00 | 9/30/2010 11:07:03 AM |
| AM2171 | $25.00 | $25.00 | 9/30/2010 12:51:11 PM |
| djmjkelso | $25.00 | $25.00 | 9/30/2010 1:06:25 PM |
| ken168 | $28.48 | $28.48 | 9/30/2010 11:36:40 AM |
| grampy48 | $25.00 | $25.00 | 9/30/2010 2:29:35 PM |
| economy-caper9 | $25.00 | $25.00 | 9/30/2010 1:08:44 PM |
| justasoldier | $40.00 | $40.00 | 9/30/2010 12:36:38 PM |
| blue-useful-auction | $25.00 | $25.00 | 9/30/2010 2:23:24 PM |
| grampy48 | $25.00 | $25.00 | 9/30/2010 2:25:36 PM |
| availableloan | $25.00 | $25.00 | 9/23/2010 2:39:52 PM |
| 6moonbeams | $100.00 | $100.00 | 9/23/2010 2:30:14 PM |
| handshake5 | $100.00 | $100.00 | 9/23/2010 2:44:06 PM |
| kmr2 | $150.00 | $150.00 | 9/23/2010 2:44:10 PM |
| ichibon | $150.00 | $150.00 | 9/23/2010 2:44:37 PM |
| Gabriel02 | $25.00 | $25.00 | 9/23/2010 2:45:01 PM |
| rescue | $50.00 | $50.00 | 9/23/2010 2:39:41 PM |
| money-bauble | $50.00 | $50.00 | 9/23/2010 2:46:09 PM |
| GElender | $75.00 | $75.00 | 9/23/2010 2:46:12 PM |
| pfh | $25.00 | $25.00 | 9/23/2010 2:44:19 PM |
| peripatetic | $25.00 | $25.00 | 9/23/2010 2:44:22 PM |
| Tomeus | $75.00 | $75.00 | 9/23/2010 2:45:19 PM |
| simplelender80 | $250.00 | $250.00 | 9/23/2010 2:43:57 PM |
| brightest-affluence-motivator | $100.00 | $100.00 | 9/23/2010 3:13:02 PM |
| authentic-liberty7 | $50.00 | $50.00 | 9/23/2010 2:44:03 PM |
| shmb6508 | $100.00 | $100.00 | 9/23/2010 2:44:58 PM |
| jazzlender | $25.00 | $25.00 | 9/23/2010 2:45:12 PM |
| maldok1 | $25.00 | $25.00 | 9/23/2010 2:45:25 PM |
| inspired-agreement | $50.00 | $50.00 | 9/23/2010 4:18:00 PM |
| gold-channel2 | $50.00 | $50.00 | 9/23/2010 4:19:25 PM |
| LoansomeRanger | $50.00 | $50.00 | 9/23/2010 6:18:23 PM |
| sincere-fund1 | $50.00 | $50.00 | 9/23/2010 6:27:50 PM |
| pumped130 | $25.00 | $25.00 | 9/23/2010 5:02:18 PM |
| Savings_EQ_Dignity | $30.00 | $30.00 | 9/23/2010 6:18:20 PM |
| boater01 | $29.27 | $29.27 | 9/24/2010 1:53:13 AM |
| worth-arch | $25.00 | $25.00 | 9/24/2010 3:03:42 AM |
| srilm | $25.00 | $25.00 | 9/24/2010 3:03:45 AM |
| Ocean713 | $50.00 | $50.00 | 9/24/2010 3:03:49 AM |
| asset-professor | $50.00 | $50.00 | 9/24/2010 3:03:53 AM |
| Premierelender | $25.00 | $25.00 | 9/24/2010 3:23:15 AM |
| orgy63 | $25.00 | $25.00 | 9/24/2010 4:37:30 AM |
| papaloha | $25.00 | $25.00 | 9/24/2010 1:40:05 AM |
| finance-prescription | $50.00 | $50.00 | 9/24/2010 3:03:40 AM |
| movistar | $25.00 | $25.00 | 9/24/2010 3:03:46 AM |
| helpful-dough | $50.00 | $50.00 | 9/24/2010 3:03:50 AM |
| Fiimg | $50.00 | $50.00 | 9/24/2010 3:03:54 AM |
| Dreams4Cash | $25.00 | $25.00 | 9/24/2010 3:02:41 AM |
| MissionMicroFinance | $25.00 | $25.00 | 9/24/2010 6:38:27 AM |
| Panna | $25.00 | $25.00 | 9/24/2010 3:03:41 AM |
| chestnut4 | $25.00 | $25.00 | 9/24/2010 3:03:46 AM |
| jamiee73 | $25.00 | $25.00 | 9/24/2010 6:42:32 AM |
| gain-seagull9 | $50.00 | $50.00 | 9/24/2010 3:03:53 AM |
| kegs | $150.00 | $150.00 | 9/24/2010 3:04:05 AM |
| natural-affluence4 | $25.00 | $25.00 | 9/24/2010 6:22:24 AM |
| herbyman | $50.00 | $50.00 | 9/24/2010 5:37:43 AM |
| cloud8 | $50.00 | $50.00 | 9/24/2010 8:29:51 AM |
| community-pipeline8 | $50.00 | $50.00 | 9/24/2010 8:28:31 AM |
| love_what_you_do | $25.00 | $25.00 | 9/24/2010 8:41:32 AM |
| dmfog | $25.00 | $25.00 | 9/24/2010 10:24:30 AM |
| visionary-community | $25.00 | $25.00 | 9/24/2010 9:23:32 AM |
| newest-sensible-hope | $25.03 | $25.03 | 9/24/2010 10:37:53 AM |
| UT-Longhorn | $25.00 | $25.00 | 9/24/2010 12:37:12 PM |
| sincere-rate8 | $25.00 | $25.00 | 9/24/2010 12:43:52 PM |
| DublinCaLender | $33.50 | $33.50 | 9/24/2010 11:47:28 AM |
| inspiring-reward | $25.00 | $25.00 | 9/24/2010 12:43:40 PM |
| SBT | $37.22 | $37.22 | 9/24/2010 12:04:55 PM |
| Bank42 | $25.00 | $25.00 | 9/24/2010 12:18:01 PM |
| pnace | $45.64 | $45.64 | 9/24/2010 1:47:31 PM |
| Comoparklender | $50.00 | $50.00 | 9/24/2010 1:52:22 PM |
| nicklds | $38.22 | $38.22 | 9/24/2010 2:17:20 PM |
| meteoric-trade | $50.00 | $50.00 | 9/24/2010 3:44:48 PM |
| the-profit-oracle | $25.00 | $25.00 | 9/24/2010 3:33:04 PM |
| dollardave | $100.00 | $100.00 | 9/24/2010 4:48:14 PM |
| nickel-hickory | $25.00 | $25.00 | 9/25/2010 2:48:41 AM |
| marketplace-cello5 | $50.00 | $50.00 | 9/25/2010 2:23:57 AM |
| a-finance-nirvana | $25.00 | $25.00 | 9/25/2010 3:09:41 AM |
| don'twannadance | $50.00 | $50.00 | 9/25/2010 6:59:47 AM |
| Pendruce | $25.00 | $25.00 | 9/25/2010 8:06:02 AM |
| icchok | $50.00 | $50.00 | 9/25/2010 8:37:27 AM |
| nickel-ferret | $50.00 | $50.00 | 9/25/2010 9:22:07 AM |
| Doodlemeyer | $50.00 | $50.00 | 9/25/2010 10:39:55 AM |
| efficient-treasure0 | $25.00 | $25.00 | 9/25/2010 1:02:28 PM |
| sweet-loan8 | $25.00 | $25.00 | 9/25/2010 5:47:09 PM |
| FredHead3 | $47.86 | $47.86 | 9/25/2010 7:15:53 PM |
| Malkial | $25.00 | $25.00 | 9/25/2010 9:12:02 PM |
| simpy | $25.00 | $25.00 | 9/25/2010 10:13:27 PM |
| wdjnm | $50.00 | $50.00 | 9/26/2010 6:07:13 AM |
| well-rounded-dinero | $50.00 | $50.00 | 9/26/2010 9:37:18 AM |
| sassykatty | $50.00 | $50.00 | 9/26/2010 8:18:51 PM |
| jdwillcox | $50.00 | $50.00 | 9/26/2010 8:33:41 PM |
| nybanker85 | $35.00 | $35.00 | 9/26/2010 8:18:25 PM |
| riproaringrapids | $25.00 | $25.00 | 9/27/2010 1:23:29 AM |
| greenbackapult9 | $50.00 | $50.00 | 9/27/2010 9:37:55 AM |
| cathmorcorvus | $50.00 | $50.00 | 9/27/2010 10:47:32 AM |
| peb44 | $25.00 | $25.00 | 9/27/2010 1:08:52 PM |
| GatorBux | $50.00 | $50.00 | 9/27/2010 1:20:03 PM |
| Interloper | $35.00 | $35.00 | 9/27/2010 1:07:56 PM |
| bold-careful-finance | $25.00 | $25.00 | 9/27/2010 1:08:49 PM |
| hookUup | $25.00 | $25.00 | 9/27/2010 3:01:30 PM |
| lovely-leverage | $45.00 | $45.00 | 9/27/2010 3:31:50 PM |
| oldman68 | $25.00 | $25.00 | 9/27/2010 5:28:45 PM |
| loan-wasp | $50.00 | $50.00 | 9/27/2010 6:12:53 PM |
| helpinghand75 | $45.92 | $45.92 | 9/27/2010 6:13:02 PM |
| julijask | $25.00 | $25.00 | 9/28/2010 12:19:42 AM |
| Cai8899 | $32.83 | $32.83 | 9/27/2010 11:50:31 PM |
| leeball | $36.44 | $36.44 | 9/28/2010 5:08:36 AM |
| wise-dedicated-power | $25.96 | $25.96 | 9/28/2010 5:08:23 AM |
| red-robust-rupee | $25.00 | $25.00 | 9/28/2010 9:37:19 AM |
| nakane66 | $50.00 | $50.00 | 9/28/2010 7:22:15 AM |
| Mindful7 | $25.00 | $25.00 | 9/28/2010 9:44:59 AM |
| natural-affluence6 | $50.00 | $50.00 | 9/28/2010 9:37:48 AM |
| peace-maximizer8 | $25.00 | $25.00 | 9/28/2010 7:28:06 PM |
| ramsba | $50.00 | $50.00 | 9/28/2010 5:38:45 PM |
| mtp | $50.00 | $50.00 | 9/28/2010 10:37:32 PM |
| jfreaksho | $45.00 | $45.00 | 9/28/2010 5:53:03 PM |
| squarebob | $25.00 | $25.00 | 9/28/2010 7:19:29 PM |
| finance-magma7 | $60.53 | $60.53 | 9/29/2010 7:28:44 AM |
| mooselegs19 | $50.00 | $50.00 | 9/29/2010 7:43:47 AM |
| kalb002 | $50.00 | $50.00 | 9/29/2010 1:22:01 AM |
| abundant-credit6 | $25.00 | $25.00 | 9/29/2010 3:23:00 AM |
| Tiffies3 | $60.00 | $60.00 | 9/29/2010 3:45:07 AM |
| Ripsaw4U | $50.00 | $50.00 | 9/29/2010 9:32:31 AM |
| Rulea72 | $53.16 | $53.16 | 9/29/2010 9:34:57 AM |
| PrepWonder | $25.00 | $25.00 | 9/29/2010 7:21:06 AM |
| auction-sage | $25.00 | $25.00 | 9/29/2010 7:27:58 AM |
| return-percolator8 | $41.64 | $41.64 | 9/29/2010 7:32:20 AM |
| frizzzzank | $38.00 | $38.00 | 9/29/2010 7:37:08 AM |
| gallant-economy9 | $400.00 | $400.00 | 9/29/2010 8:37:43 AM |
| visionary-currency | $100.00 | $100.00 | 9/29/2010 9:58:26 AM |
| JKKCapital | $25.00 | $25.00 | 9/29/2010 8:23:30 AM |
| lcole32 | $25.00 | $25.00 | 9/29/2010 9:58:59 AM |
| saysana | $25.00 | $25.00 | 9/29/2010 10:02:24 AM |
| dollar-doughnut6 | $50.00 | $50.00 | 9/29/2010 9:38:00 AM |
| rockstar78 | $50.00 | $50.00 | 9/29/2010 9:54:59 AM |
| benjamins-den | $25.00 | $25.00 | 9/29/2010 10:02:03 AM |
| calinno2 | $50.00 | $43.87 | 9/29/2010 10:02:51 AM |
| pilot1723 | $25.00 | $25.00 | 9/29/2010 11:30:40 AM |
| VTGunz | $25.00 | $25.00 | 9/29/2010 1:28:12 PM |
| vtpilot00 | $50.00 | $50.00 | 9/29/2010 1:35:42 PM |
| FASN8U | $25.00 | $25.00 | 9/29/2010 2:01:54 PM |
| listing-exchanger596 | $29.10 | $29.10 | 9/29/2010 3:19:53 PM |
| economy-popcorn | $25.00 | $25.00 | 9/29/2010 6:00:49 PM |
| katnmouse | $25.00 | $25.00 | 9/29/2010 3:12:33 PM |
| sadani | $25.00 | $25.00 | 9/29/2010 3:57:39 PM |
| astra-lender | $50.00 | $50.00 | 9/29/2010 6:03:42 PM |
| diverse-transparency | $25.00 | $25.00 | 9/29/2010 5:16:18 PM |
| ksubd | $100.00 | $100.00 | 9/29/2010 10:00:58 PM |
| AuroraRobbin | $50.00 | $50.00 | 9/29/2010 7:23:20 PM |
| a-resplendent-commitment | $50.00 | $50.00 | 9/29/2010 9:30:15 PM |
| mflawyer | $87.12 | $87.12 | 9/29/2010 9:51:56 PM |
| Ven58 | $25.00 | $25.00 | 9/29/2010 11:38:12 PM |
| soular21804 | $25.00 | $25.00 | 9/30/2010 4:20:04 AM |
| starry2001 | $25.00 | $25.00 | 9/30/2010 3:56:05 AM |
| gustavholstopus32 | $25.00 | $25.00 | 9/30/2010 4:35:59 AM |
| nickel-demon2 | $100.00 | $100.00 | 9/30/2010 4:45:50 AM |
| Heliosky77 | $39.30 | $39.30 | 9/30/2010 6:03:47 AM |
| debt-legend | $25.00 | $25.00 | 9/30/2010 8:05:58 AM |
| thegreatstrafe | $25.00 | $25.00 | 9/30/2010 8:08:37 AM |
| newest-bountiful-basis | $25.00 | $25.00 | 9/30/2010 7:27:13 AM |
| BLUE300Z | $25.00 | $25.00 | 9/30/2010 7:28:21 AM |
| JustinCase | $84.25 | $84.25 | 9/30/2010 7:29:08 AM |
| leverage-reaction | $25.00 | $25.00 | 9/30/2010 9:06:59 AM |
| escandalo | $35.10 | $35.10 | 9/30/2010 8:22:02 AM |
| bennedx | $25.00 | $25.00 | 9/30/2010 9:26:48 AM |
| KichigaiSensei | $25.00 | $25.00 | 9/30/2010 10:39:13 AM |
| social-zebra | $36.76 | $36.76 | 9/30/2010 11:22:45 AM |
| entertaining-credit3 | $36.39 | $36.39 | 9/30/2010 11:08:22 AM |
| lawboy74 | $25.00 | $25.00 | 9/30/2010 11:22:06 AM |
| REITRUST | $25.00 | $25.00 | 9/30/2010 11:59:33 AM |
| direct-compassion | $31.00 | $31.00 | 9/30/2010 12:09:04 PM |
| dblaz5 | $300.00 | $300.00 | 9/30/2010 1:38:25 PM |
| sgt-schultz | $25.00 | $25.00 | 9/30/2010 1:21:36 PM |
| Cajunstealth | $120.00 | $120.00 | 9/30/2010 1:41:09 PM |
| 314 bids
|
Borrower Payment Dependent Notes Series
477510
This series of Notes was issued and sold upon the funding of the borrower loan #44835, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $7,500.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.8% |
Auction start date:
| Sep-30-2010 |
| |
Auction end date:
| Oct-06-2010 |
|
|
Starting lender yield:
| 26.50% |
Starting borrower rate/APR:
| 27.50% / 31.05% |
Starting monthly payment:
| $308.20 |
|
Final lender yield:
| 26.50% |
Final borrower rate/APR:
| 27.50% / 31.05% |
Final monthly payment:
| $308.20 |
| |
|
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):
| 7 |
First credit line:
| Apr-1995 |
Debt/Income ratio:
| 12% |
|
Credit score:
| 720-739 (Sep-2010) |
Inquiries last 6m:
| 4 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 5
/
3 | Length of status: | 7y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 8 |
Occupation: | Executive |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,211 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 25% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| pure-dedication4 |
Borrower's state:
| California |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Debt Consolidation
I am looking for a debt consolidation loan to reduce some outstanding bills and increase my credit history. A Few years ago I went through a tough divorce. It is over now. However, all my credit was in my husband?s name. I have been reestablishing my credit over the past year. I have some outstanding medical debts that I have been paying. Thought they would report to the credit bureaus. I am looking for the loan so I can pay off those medical bills (son broke his arm, needed surgery) and establish a loan that reports to the credit agencies.
I have been at the same job for over 7 years and make a good living. I have never been late on my bills and have paid off two personal loans early over the past year, one for $10,000 and the other for 2,500. I am looking to keep this loan for a little over 6 months as I have done with my past loans so that I will increase my credit history.
The only debt I have besides the medical bills of $5,500 is an auto loan for $600.00 a month and a credit card with a small balance that I use for my travel expenses when I have to travel for business.
Net Income Per Month?????????????$7,882.54
Rental?????????????????????$1,500.00
Insurance?????????????????????$78.00
Auto Payment???????????? $600.00
Car Expenses???????????? $125.00
Medical Bills????????????????$500.00?????????????????Would be replacing this bill with the prosper loan
Misc?????????????????????????????$500.00
Utilities?????????????????????????$350.00
Phone, Cable Internet???? $100.00
Food Entertainment?????????$800.00
Total Expenses?????????$4,553.00
Net Disposable Income????????????$3,329.54
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
What is your occupation? - RecoveryLender
A:
I am Vice President of Marketing for Company that specialize in doing Employee Incentive Campaigns such as sales or Safety programs. I have been with them over 7 years and have over 20 years experience in this field.
(Oct-06-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| a-bountiful-trade | $25.00 | $25.00 | 9/30/2010 2:40:36 PM |
| ingenious-deal6 | $25.00 | $25.00 | 9/30/2010 2:46:47 PM |
| agiovasil | $25.00 | $25.00 | 9/30/2010 2:46:43 PM |
| tech310 | $50.00 | $50.00 | 10/1/2010 1:35:01 AM |
| hope-equation | $50.00 | $50.00 | 10/1/2010 6:05:43 AM |
| FountainShrugged | $50.00 | $50.00 | 10/1/2010 9:28:02 AM |
| cablenews | $25.00 | $25.00 | 10/1/2010 10:49:25 AM |
| reflective-rupee | $750.00 | $750.00 | 10/1/2010 10:21:52 AM |
| AlexTrep | $50.00 | $50.00 | 10/1/2010 10:33:14 AM |
| return-elm | $25.00 | $25.00 | 10/1/2010 10:54:19 AM |
| JustMee | $25.00 | $25.00 | 10/1/2010 7:47:17 PM |
| zen1cent | $25.00 | $25.00 | 10/2/2010 5:29:00 AM |
| hookUup | $25.00 | $25.00 | 10/2/2010 8:09:15 AM |
| asset-professor | $50.00 | $50.00 | 10/2/2010 7:58:53 PM |
| diversification-maple1 | $40.00 | $40.00 | 10/3/2010 2:55:11 AM |
| b-rent | $25.00 | $25.00 | 10/3/2010 10:08:38 AM |
| irrelevant | $25.00 | $25.00 | 10/3/2010 6:29:05 PM |
| gallant-economy9 | $77.92 | $77.92 | 10/4/2010 6:10:14 AM |
| graceful-investment | $100.00 | $100.00 | 10/4/2010 12:12:09 PM |
| 108lender | $100.00 | $100.00 | 10/4/2010 1:35:33 PM |
| jubilant-auction5 | $25.00 | $25.00 | 10/4/2010 1:14:52 PM |
| S-Master | $50.00 | $50.00 | 10/4/2010 2:09:58 PM |
| newest-inspiring-power | $25.00 | $25.00 | 10/4/2010 3:36:42 PM |
| JoyfulVegetarian | $25.00 | $25.00 | 10/4/2010 3:53:09 PM |
| felicity-daydream | $60.00 | $60.00 | 10/4/2010 4:56:32 PM |
| icecoldcash | $30.00 | $30.00 | 10/4/2010 4:28:07 PM |
| FinDoc | $25.00 | $25.00 | 10/5/2010 1:29:10 AM |
| papaloha | $25.00 | $25.00 | 10/5/2010 3:03:02 AM |
| chemistry220 | $50.00 | $50.00 | 10/5/2010 9:35:55 AM |
| head | $25.00 | $25.00 | 10/5/2010 9:44:16 AM |
| bnlforever | $25.00 | $25.00 | 10/5/2010 10:09:59 AM |
| kindness-sage | $25.00 | $25.00 | 10/5/2010 12:42:49 PM |
| shur | $25.00 | $25.00 | 10/5/2010 2:55:27 PM |
| asiaratt | $50.00 | $50.00 | 10/5/2010 3:00:08 PM |
| power-secret-agent | $25.00 | $25.00 | 10/5/2010 4:34:22 PM |
| well-mannered-income3 | $150.00 | $150.00 | 10/5/2010 3:51:32 PM |
| new-truth-chuckler | $27.58 | $27.58 | 10/5/2010 6:17:36 PM |
| julsal | $50.00 | $50.00 | 10/5/2010 6:33:01 PM |
| credit-missile | $25.00 | $25.00 | 10/5/2010 10:23:29 PM |
| credit-missile | $25.00 | $25.00 | 10/5/2010 10:24:28 PM |
| Bob450 | $30.00 | $30.00 | 10/6/2010 8:38:40 AM |
| katnmouse | $25.00 | $25.00 | 10/6/2010 9:07:59 AM |
| shmb6508 | $25.00 | $25.00 | 10/6/2010 11:12:53 AM |
| economy-popcorn | $25.00 | $25.00 | 10/6/2010 11:24:53 AM |
| lucrative-coin | $100.00 | $100.00 | 10/6/2010 1:09:16 PM |
| ethicalhumanist | $50.00 | $50.00 | 10/6/2010 2:20:39 PM |
| youthful-greenback3 | $25.00 | $25.00 | 10/6/2010 2:44:28 PM |
| NomoredebtCA | $29.05 | $29.05 | 10/6/2010 3:04:32 PM |
| TheColoradoDon | $25.00 | $25.00 | 10/6/2010 3:06:56 PM |
| spsavage | $25.00 | $25.00 | 10/6/2010 3:07:22 PM |
| mtquan | $25.00 | $25.00 | 10/6/2010 3:08:08 PM |
| jennifer55126 | $25.00 | $25.00 | 10/6/2010 3:07:37 PM |
| bill-mushroom | $25.00 | $25.00 | 10/6/2010 3:08:36 PM |
| ferocious-exchange3 | $50.00 | $48.21 | 10/6/2010 3:10:10 PM |
| lcole32 | $25.00 | $25.00 | 10/6/2010 3:06:05 PM |
| inventive-exchange | $25.00 | $25.00 | 10/6/2010 3:07:20 PM |
| marketplace-cello5 | $25.00 | $25.00 | 10/6/2010 3:08:00 PM |
| hershey88 | $55.84 | $55.84 | 10/6/2010 3:12:07 PM |
| leverage-monger | $25.00 | $25.00 | 10/6/2010 3:18:04 PM |
| MSLendingLLC | $53.93 | $53.93 | 10/6/2010 3:35:03 PM |
| EngineersAlliance | $50.00 | $50.00 | 10/6/2010 3:34:36 PM |
| Chewbaca | $25.00 | $25.00 | 10/6/2010 4:18:50 PM |
| kulender | $50.00 | $50.00 | 9/30/2010 2:43:31 PM |
| handshake5 | $100.00 | $100.00 | 9/30/2010 2:44:25 PM |
| bid-czar8 | $25.00 | $25.00 | 9/30/2010 2:44:36 PM |
| 6moonbeams | $25.00 | $25.00 | 9/30/2010 2:46:38 PM |
| rescue | $25.00 | $25.00 | 10/1/2010 4:02:12 AM |
| ukstevenhawaii | $50.00 | $50.00 | 10/1/2010 4:28:36 AM |
| Katburg | $25.00 | $25.00 | 10/1/2010 6:15:27 AM |
| 371millwood | $300.00 | $300.00 | 10/1/2010 6:40:18 AM |
| nilonc1 | $50.00 | $50.00 | 10/1/2010 11:16:39 AM |
| AF-Chief | $25.00 | $25.00 | 10/1/2010 11:19:17 AM |
| fairness-kayak | $25.00 | $25.00 | 10/1/2010 2:48:26 PM |
| blue-useful-auction | $25.00 | $25.00 | 10/1/2010 3:07:33 PM |
| consummate-loyalty1 | $100.00 | $100.00 | 10/1/2010 3:57:43 PM |
| loan-adventurer7 | $25.00 | $25.00 | 10/1/2010 11:39:08 PM |
| Artist_Blue | $25.00 | $25.00 | 10/2/2010 8:09:10 AM |
| mercuriant | $25.00 | $25.00 | 10/2/2010 9:52:58 AM |
| frogperson | $250.00 | $250.00 | 10/2/2010 9:48:03 AM |
| simplelender80 | $33.25 | $33.25 | 10/2/2010 12:23:03 PM |
| moola-wildebeest3 | $25.00 | $25.00 | 10/2/2010 3:13:17 PM |
| SolarMoonshine | $100.00 | $100.00 | 10/2/2010 1:34:55 PM |
| natural-greenback6 | $25.00 | $25.00 | 10/2/2010 8:09:19 PM |
| villagers | $50.00 | $50.00 | 10/4/2010 1:01:51 PM |
| payment-gusto | $25.00 | $25.00 | 10/4/2010 2:24:27 PM |
| musegaze | $59.02 | $59.02 | 10/4/2010 3:13:29 PM |
| Comoparklender | $50.00 | $50.00 | 10/4/2010 3:31:07 PM |
| bountiful-durability | $100.00 | $100.00 | 10/4/2010 3:37:26 PM |
| escharfer | $25.00 | $25.00 | 10/4/2010 3:41:05 PM |
| larrybird | $38.59 | $38.59 | 10/4/2010 3:53:20 PM |
| listing-hercules | $25.00 | $25.00 | 10/4/2010 3:59:42 PM |
| _NaLNaBB | $500.00 | $500.00 | 10/4/2010 10:38:17 PM |
| numitor | $50.00 | $50.00 | 10/5/2010 8:58:01 AM |
| rrfgloan | $100.00 | $100.00 | 10/5/2010 11:56:59 AM |
| miked8303 | $25.00 | $25.00 | 10/5/2010 12:53:01 PM |
| worldly-penny8 | $25.00 | $25.00 | 10/5/2010 9:34:21 AM |
| the-silver-blaster | $50.00 | $50.00 | 10/5/2010 12:09:13 PM |
| IIP77 | $25.00 | $25.00 | 10/5/2010 2:47:35 PM |
| AceHiStr8 | $50.00 | $50.00 | 10/5/2010 2:43:50 PM |
| debtcollector | $25.00 | $25.00 | 10/5/2010 4:28:23 PM |
| power-secret-agent | $25.00 | $25.00 | 10/5/2010 4:33:29 PM |
| power-secret-agent | $25.00 | $25.00 | 10/5/2010 4:33:52 PM |
| important-openness1 | $100.00 | $100.00 | 10/5/2010 3:29:18 PM |
| power-secret-agent | $25.00 | $25.00 | 10/5/2010 4:33:18 PM |
| power-secret-agent | $25.00 | $25.00 | 10/5/2010 4:33:41 PM |
| power-secret-agent | $25.00 | $25.00 | 10/5/2010 4:34:45 PM |
| MoneyTree79 | $50.00 | $50.00 | 10/5/2010 6:51:08 PM |
| c_justin | $25.00 | $25.00 | 10/5/2010 7:14:16 PM |
| credit-missile | $25.00 | $25.00 | 10/5/2010 10:23:56 PM |
| credit-missile | $25.00 | $25.00 | 10/5/2010 10:24:13 PM |
| nickel-position | $25.00 | $25.00 | 10/6/2010 1:08:00 AM |
| loan-adventurer7 | $36.00 | $36.00 | 10/6/2010 2:41:42 AM |
| credit-missile | $25.00 | $25.00 | 10/6/2010 2:41:52 AM |
| E-B | $50.00 | $50.00 | 10/6/2010 3:47:47 AM |
| back-scratchers | $25.00 | $25.00 | 10/6/2010 9:21:52 AM |
| loan-mammal | $25.00 | $25.00 | 10/6/2010 10:18:30 AM |
| jubilant-agreement0 | $25.00 | $25.00 | 10/6/2010 9:48:50 AM |
| industrious-silver | $50.00 | $50.00 | 10/6/2010 9:57:31 AM |
| turbolozano | $25.00 | $25.00 | 10/6/2010 10:43:03 AM |
| HayrideRanch | $27.22 | $27.22 | 10/6/2010 10:57:18 AM |
| obedient-penny4 | $25.00 | $25.00 | 10/6/2010 1:05:40 PM |
| patriot384 | $120.00 | $120.00 | 10/6/2010 12:46:57 PM |
| 1nvest | $25.00 | $25.00 | 10/6/2010 2:44:13 PM |
| trumpeter5 | $50.00 | $50.00 | 10/6/2010 2:49:58 PM |
| Rob717171 | $25.00 | $25.00 | 10/6/2010 3:05:55 PM |
| tuneman1980 | $25.00 | $25.00 | 10/6/2010 2:43:55 PM |
| draggon77 | $25.00 | $25.00 | 10/6/2010 3:06:16 PM |
| three-for-6 | $28.80 | $28.80 | 10/6/2010 3:07:03 PM |
| awe-inspiring-benefit | $31.14 | $31.14 | 10/6/2010 3:04:31 PM |
| whartonmba | $25.00 | $25.00 | 10/6/2010 3:08:14 PM |
| Trevor_C | $25.00 | $25.00 | 10/6/2010 3:05:50 PM |
| tomaswk | $83.25 | $83.25 | 10/6/2010 2:43:00 PM |
| bold-careful-finance | $25.00 | $25.00 | 10/6/2010 3:06:13 PM |
| momoney2lend | $25.00 | $25.00 | 10/6/2010 2:44:27 PM |
| thrifty-return | $35.00 | $35.00 | 10/6/2010 2:45:17 PM |
| xzec777 | $25.00 | $25.00 | 10/6/2010 2:45:33 PM |
| Preferred-Lender | $25.00 | $25.00 | 10/6/2010 3:07:26 PM |
| point-shooter | $50.00 | $50.00 | 10/6/2010 3:10:09 PM |
| geniusj | $25.00 | $25.00 | 10/6/2010 3:10:06 PM |
| jamiee73 | $25.00 | $25.00 | 10/6/2010 3:07:27 PM |
| rob1971 | $50.00 | $50.00 | 10/6/2010 3:07:57 PM |
| Philkent | $25.00 | $25.00 | 10/6/2010 3:08:22 PM |
| DreamsDoComeTrue | $50.00 | $50.00 | 10/6/2010 3:08:26 PM |
| psa1995 | $25.00 | $25.00 | 10/6/2010 3:08:39 PM |
| kegs | $100.00 | $100.00 | 10/6/2010 3:08:42 PM |
| wwwUniversal | $25.00 | $25.00 | 10/6/2010 3:15:12 PM |
| umfan123 | $25.00 | $25.00 | 10/6/2010 3:36:53 PM |
| omyogafinance | $105.20 | $105.20 | 10/6/2010 3:47:36 PM |
| tigercat | $50.00 | $50.00 | 10/6/2010 4:24:24 PM |
| 149 bids
|
Borrower Payment Dependent Notes Series
477512
This series of Notes was issued and sold upon the funding of the borrower loan #44838, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $6,500.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.2% |
Auction start date:
| Sep-29-2010 |
| |
Auction end date:
| Oct-06-2010 |
|
|
Starting lender yield:
| 33.35% |
Starting borrower rate/APR:
| 34.35% / 38.06% |
Starting monthly payment:
| $291.65 |
|
Final lender yield:
| 20.00% |
Final borrower rate/APR:
| 21.00% / 24.41% |
Final monthly payment:
| $244.89 |
| |
|
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):
| 5 |
First credit line:
| Sep-1997 |
Debt/Income ratio:
| 57% |
|
Credit score:
| 700-719 (Sep-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
10 | Length of status: | 2y 4m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 31 |
Occupation: | Skilled Labor |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $4,094 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 90% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| JayLep |
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.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 3 |
On-time:
| 45 ( 100% )
| 700-719 (Latest)
|
|
Principal borrowed:
| $23,500.00 | < 31 days late:
| 0
( 0% )
| 720-739
(Jul-2009)
720-739
(Sep-2008)
720-739
(Sep-2007)
|
|
Principal balance:
| $3,389.62 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 45 | | |
Description
4th loan with Prosper, PLEASE help!
This is my third attempt at funding this loan, PLEASE consider us! We are trustworthy and reliable as you can see through our previous loans with prosper.
The purpose of this loan is to help my husband get his smile back : )
This loan will be used to pay for my husbands upcoming dental surgery. His dental health has been declining over the years. He has been putting off the surgeries for years so that I could go to nursing school to become a registered nurse. We do have dental insurance, but it will only cover up to $1500.00 per year and he is currently going through a dental school to save money, but the cost is due in cash up front over the next 2-3 months. Please Help my husband to smile again.
Our credit took a hit recently when my student loans went into repayment status. Which is why it appears we have so many debts. I have multiple student loans through multiple banks which I am working on consolidating right now.
We are good candidate for this loan because we are both gainfully employed at this point. I am a registered nurse working for a local hospital and he is an assistant manager (and has been for 15 years) working for an upscale supermarket chain. We have had three loans through prosper, two of which have been paid off and one that is still in repayment. We have never made a late payment on any of our loans, nor have we ever defaulted or declared bankruptcy.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
what are your fixed monthly income and expenses? - beakerfish
A:
Our monthly income is about $4500, our expenses are about $3400.
(Oct-01-2010)
Q:
What are you doing with 31 credit lines? - new-social-economist
A:
I have multiple student loans that I am in the process of consolidating, which accounts for most of that, we also have three credit cards and a loan with prosper. Some of those revolving accounts are open but haven't been in use for years.
(Oct-02-2010)
Q:
Keep up the good work. In time, these on-time payments will begin to be reflected in your FICO score and then borrowing will be less expensive for you. You're so close. .. - jcw3rd
A:
Thanks for the support!
(Oct-05-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| CA_Lender | $25.00 | $25.00 | 9/29/2010 9:06:36 PM |
| Aberdeen | $400.00 | $400.00 | 10/1/2010 9:48:42 PM |
| Aberdeen | $400.00 | $400.00 | 10/1/2010 9:48:40 PM |
| wlm3012 | $25.00 | $25.00 | 10/4/2010 7:15:26 PM |
| sweety075 | $25.00 | $25.00 | 10/4/2010 9:25:42 PM |
| Socorro_Capital_Partners | $25.00 | $25.00 | 10/5/2010 12:49:47 AM |
| loanman2007 | $250.00 | $250.00 | 10/5/2010 4:56:48 AM |
| principal-lion | $50.00 | $50.00 | 10/5/2010 7:00:24 PM |
| maccpro1 | $50.00 | $50.00 | 10/5/2010 6:42:47 PM |
| clemclan | $25.00 | $25.00 | 10/5/2010 7:08:30 PM |
| 99Lender | $25.00 | $25.00 | 10/6/2010 3:45:50 AM |
| cj61 | $25.00 | $25.00 | 10/6/2010 5:45:46 AM |
| martymaniaman | $41.52 | $41.52 | 10/6/2010 6:16:09 AM |
| Leshan | $75.00 | $75.00 | 10/6/2010 8:24:46 AM |
| Bcs-cnc | $25.00 | $25.00 | 10/6/2010 6:06:06 AM |
| McDeeter | $25.00 | $25.00 | 10/6/2010 9:14:47 AM |
| DasMula | $25.00 | $25.00 | 10/6/2010 10:25:37 AM |
| Astyanax | $150.00 | $150.00 | 10/6/2010 10:26:25 AM |
| markandrosie | $31.80 | $31.80 | 10/6/2010 10:19:46 AM |
| bsmtloan | $100.00 | $100.00 | 10/6/2010 10:28:44 AM |
| mikeandcat | $100.00 | $100.00 | 10/6/2010 12:03:48 PM |
| brightest-dignified-penny | $25.00 | $25.00 | 10/6/2010 10:33:22 AM |
| houli123 | $1,500.00 | $1,500.00 | 10/6/2010 12:13:55 PM |
| mikeandcat | $100.00 | $100.00 | 10/6/2010 12:24:11 PM |
| neorunner | $25.00 | $25.00 | 10/6/2010 11:29:22 AM |
| economy-popcorn | $25.00 | $25.00 | 10/6/2010 1:19:45 PM |
| penny-plato | $25.00 | $25.00 | 10/6/2010 1:20:58 PM |
| mikeandcat | $100.00 | $100.00 | 10/6/2010 1:10:44 PM |
| Jinja | $25.00 | $25.00 | 9/30/2010 3:44:08 AM |
| Aberdeen | $400.00 | $400.00 | 10/1/2010 9:48:41 PM |
| Aberdeen | $500.00 | $500.00 | 10/1/2010 9:48:38 PM |
| Aberdeen | $500.00 | $500.00 | 10/1/2010 9:48:37 PM |
| golffish2 | $100.00 | $100.00 | 10/5/2010 10:10:11 AM |
| relaxation688 | $25.00 | $25.00 | 10/5/2010 8:25:27 PM |
| jrgdnn12 | $31.87 | $31.87 | 10/5/2010 7:08:28 PM |
| GrowthAspirations | $75.00 | $75.00 | 10/5/2010 10:41:25 PM |
| cash-tent | $25.00 | $25.00 | 10/5/2010 10:29:25 PM |
| Riccous | $250.00 | $250.00 | 10/6/2010 12:07:47 AM |
| Barrayaran | $25.00 | $25.00 | 10/6/2010 12:57:50 AM |
| realtormoises | $25.00 | $25.00 | 10/6/2010 6:13:45 AM |
| minnesotafinancial | $25.00 | $25.00 | 10/6/2010 8:47:06 AM |
| doomsday18 | $25.00 | $25.00 | 10/6/2010 10:12:50 AM |
| jhouman | $25.00 | $25.00 | 10/6/2010 10:48:17 AM |
| Paxman84 | $26.33 | $26.33 | 10/6/2010 10:59:14 AM |
| LittleMingo | $42.77 | $42.77 | 10/6/2010 10:48:00 AM |
| bunnybear | $29.39 | $29.39 | 10/6/2010 10:21:17 AM |
| shawnw2 | $200.00 | $200.00 | 10/6/2010 10:33:18 AM |
| rbgnr111 | $25.00 | $25.00 | 10/6/2010 11:42:49 AM |
| quest0 | $50.00 | $50.00 | 10/6/2010 12:28:23 PM |
| Feyenoord | $25.00 | $25.00 | 10/6/2010 11:00:29 AM |
| new-social-economist | $50.00 | $50.00 | 10/6/2010 12:19:57 PM |
| economy-popcorn | $25.00 | $25.00 | 10/6/2010 1:16:36 PM |
| dough-hammock | $25.00 | $25.00 | 10/6/2010 12:36:26 PM |
| money-fort | $30.00 | $30.00 | 10/6/2010 1:34:22 PM |
| ultimate-peace | $25.00 | $16.32 | 10/6/2010 1:40:12 PM |
| mrreynol | $50.00 | $50.00 | 10/6/2010 1:55:24 PM |
| grampy48 | $25.00 | $25.00 | 10/6/2010 2:09:06 PM |
| MilitaryAV8R | $25.00 | $25.00 | 10/6/2010 1:14:39 PM |
| friendinmoney | $25.00 | $25.00 | 10/6/2010 1:52:40 PM |
| phchristensen | $50.00 | $50.00 | 10/6/2010 2:06:46 PM |
| HammerSmith | $25.00 | $25.00 | 10/6/2010 2:30:24 PM |
| 61 bids
|
Borrower Payment Dependent Notes Series
478548
This series of Notes was issued and sold upon the funding of the borrower loan #44819, 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:
| Oct-08-2010 |
| |
Auction end date:
| Oct-12-2010 |
|
|
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:
| 5.71% - 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:
| Feb-1994 |
Debt/Income ratio:
| 23% |
|
Credit score:
| 740-759 (Oct-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
10 | Length of status: | 9y 5m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 44 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,302 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 22% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| jenn2812 |
Borrower's state:
| Texas |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Help me finish my pool!
Purpose of loan:
This loan will be used to? finish my pool.? We spent 25k out of our savings and don't want to pull more out so we still maintain an emergency fund for ourselves.? Due to unforeseen weather related circumstances, the pool is costing us a bit more than we originally budgeted for.? I can put the remaining balance on a credit card we have, but @ 18-33% interest, that is definately NOT a wise financial decision for us.?
My financial situation:
I am a good candidate for this loan because? I pay all of our bills on time and in full every month.? No charge offs, bankruptcies, etc.? My credit score was 740 last I checked (end of Sept 2010) and may even be higher now.? My husbands score is 760, so we are very financially responsible people.
Monthly net income: $ 58000
Monthly expenses: $
??Housing: $?600
??Insurance: $?450
??Car expenses: $?280
??Utilities: $ 100
??Phone, cable, internet: $ 40
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $?
??Other expenses: $ 750
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:
Is your monthly income correct?
Would y complete the expenses portion?
Thanks, - p2ploan-sensation211
A:
Oh no...that is my annual income...I didn't even catch that, thanks for pointing that out for me. I did say the amount in my description as being my annual salary. I'm not sure what you're asking on the 2nd part of the question.
(Oct-11-2010)
Q:
How come you did not put food, clothing.....expenses on your listing?
Other items that are underestimated?? - p2ploan-sensation211
A:
I lumped the food, clothing, entertainment into the "other expenses" catagory..it was easier for me to pull the monthly average up on Quicken that way and I didn't have the exact totals for each line. I don't feel as though any items are underestimated, the amounts listed is my portion and what I pay for each bill
(Oct-11-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| authentic-liberty7 | $25.00 | $25.00 | 10/8/2010 3:19:36 PM |
| Gabriel02 | $25.00 | $25.00 | 10/8/2010 3:20:22 PM |
| chemistry220 | $50.00 | $50.00 | 10/8/2010 3:22:29 PM |
| studious-bonus7 | $100.00 | $100.00 | 10/8/2010 3:24:23 PM |
| jazzlender | $25.00 | $25.00 | 10/8/2010 3:24:48 PM |
| mike_banker | $50.00 | $50.00 | 10/8/2010 3:25:23 PM |
| objective-investor | $100.00 | $100.00 | 10/8/2010 3:26:31 PM |
| tech310 | $50.00 | $50.00 | 10/8/2010 3:27:01 PM |
| moola-wildebeest3 | $50.00 | $50.00 | 10/8/2010 3:27:58 PM |
| 108lender | $100.00 | $100.00 | 10/8/2010 3:19:21 PM |
| radforj22 | $25.00 | $25.00 | 10/8/2010 3:19:48 PM |
| hookUup | $25.00 | $25.00 | 10/8/2010 3:20:06 PM |
| ethicalhumanist | $50.00 | $50.00 | 10/8/2010 3:20:15 PM |
| cybernosha | $25.00 | $25.00 | 10/8/2010 3:29:53 PM |
| RandyL3 | $25.00 | $25.00 | 10/8/2010 3:30:33 PM |
| generous-deal6 | $50.00 | $50.00 | 10/8/2010 3:22:02 PM |
| bid-czar8 | $100.00 | $100.00 | 10/8/2010 3:24:32 PM |
| blue-useful-auction | $25.00 | $25.00 | 10/8/2010 4:38:09 PM |
| tntmojave | $25.00 | $25.00 | 10/8/2010 3:28:19 PM |
| greentomato | $25.00 | $25.00 | 10/8/2010 3:28:42 PM |
| loan-adventurer7 | $50.00 | $50.00 | 10/8/2010 3:29:07 PM |
| VAGweilo | $50.00 | $50.00 | 10/8/2010 3:29:20 PM |
| thrifty-capital | $25.00 | $25.00 | 10/8/2010 7:17:55 PM |
| AK49-JW | $50.00 | $50.00 | 10/8/2010 9:45:12 PM |
| Katburg | $35.00 | $35.00 | 10/8/2010 4:38:13 PM |
| ujiba | $27.78 | $27.78 | 10/9/2010 2:19:41 AM |
| the-upbeat-p2p | $50.00 | $50.00 | 10/9/2010 7:13:59 AM |
| alpinaut | $25.00 | $25.00 | 10/9/2010 8:23:51 AM |
| a-finance-nirvana | $25.00 | $25.00 | 10/9/2010 9:58:49 AM |
| jrbill1998 | $50.00 | $50.00 | 10/9/2010 9:58:54 AM |
| loan-adventurer7 | $36.00 | $36.00 | 10/9/2010 12:22:41 PM |
| Bendistraw | $50.00 | $50.00 | 10/9/2010 11:53:05 AM |
| DasMula | $50.00 | $50.00 | 10/9/2010 5:58:50 AM |
| MutuallyBeneficial | $50.00 | $50.00 | 10/9/2010 12:37:54 PM |
| worldly-penny8 | $50.00 | $50.00 | 10/9/2010 9:57:54 AM |
| iflyforfun | $25.00 | $25.00 | 10/10/2010 3:12:56 AM |
| eloquent-dough5 | $25.00 | $25.00 | 10/9/2010 11:47:29 PM |
| rainbowsorbet | $25.00 | $25.00 | 10/10/2010 12:15:28 AM |
| LiquidRaptor | $25.00 | $25.00 | 10/10/2010 12:41:31 AM |
| harmonious-moola7 | $33.50 | $33.50 | 10/10/2010 7:18:11 AM |
| upbeat-investment9 | $50.00 | $50.00 | 10/10/2010 10:02:58 AM |
| JustMee | $25.00 | $25.00 | 10/9/2010 6:52:08 PM |
| dollardave | $65.00 | $65.00 | 10/10/2010 5:12:57 PM |
| efficient-treasure0 | $25.00 | $25.00 | 10/10/2010 5:33:09 PM |
| clean-fund | $25.00 | $25.00 | 10/11/2010 9:30:19 AM |
| larrybird | $32.06 | $32.06 | 10/10/2010 8:18:00 PM |
| wealth-carrier | $25.00 | $25.00 | 10/10/2010 10:19:08 PM |
| NiceNate | $50.00 | $50.00 | 10/11/2010 12:01:45 AM |
| northern_paddler | $25.00 | $25.00 | 10/11/2010 2:57:57 PM |
| nickel-demon2 | $50.00 | $50.00 | 10/11/2010 11:56:08 AM |
| elegant-bonus | $25.00 | $25.00 | 10/11/2010 3:04:59 PM |
| ashot12 | $25.00 | $17.07 | 10/11/2010 3:07:29 PM |
| credit-kahuna | $50.00 | $50.00 | 10/11/2010 11:18:09 PM |
| exchange-squirrel | $50.00 | $50.00 | 10/12/2010 12:56:11 AM |
| jkeller4000 | $25.36 | $25.36 | 10/12/2010 4:56:58 AM |
| treasure-sprout | $75.00 | $75.00 | 10/12/2010 7:58:19 AM |
| GreenHill | $50.00 | $50.00 | 10/12/2010 12:23:39 AM |
| FinanceEngine | $30.00 | $30.00 | 10/12/2010 9:45:02 AM |
| MakingMoneyBlogNet | $60.00 | $60.00 | 10/12/2010 10:08:34 AM |
| papaloha | $25.00 | $25.00 | 10/8/2010 3:20:56 PM |
| DRA-Properties | $25.00 | $25.00 | 10/8/2010 3:24:13 PM |
| shmb6508 | $100.00 | $100.00 | 10/8/2010 3:24:38 PM |
| jdwillcox | $50.00 | $50.00 | 10/8/2010 3:25:33 PM |
| herbyman | $50.00 | $50.00 | 10/8/2010 3:25:43 PM |
| JohnGalt79 | $100.00 | $100.00 | 10/8/2010 3:26:39 PM |
| escharfer | $25.00 | $25.00 | 10/8/2010 3:27:18 PM |
| rescue | $50.00 | $50.00 | 10/8/2010 3:18:51 PM |
| ichibon | $150.00 | $150.00 | 10/8/2010 3:28:04 PM |
| Weaverville | $50.00 | $50.00 | 10/8/2010 3:21:02 PM |
| selector568 | $300.00 | $300.00 | 10/8/2010 3:30:08 PM |
| bambampk | $25.00 | $25.00 | 10/8/2010 3:30:52 PM |
| delicious-social132 | $50.00 | $50.00 | 10/8/2010 3:31:32 PM |
| Bank_Of_XL | $50.00 | $50.00 | 10/8/2010 3:31:36 PM |
| brother_tam | $50.00 | $50.00 | 10/8/2010 3:39:03 PM |
| bold-shrewd-duty | $50.00 | $50.00 | 10/8/2010 3:32:32 PM |
| bountiful-durability | $100.00 | $100.00 | 10/8/2010 3:24:02 PM |
| platinum-hunter7 | $25.00 | $25.00 | 10/8/2010 3:38:48 PM |
| simplelender80 | $250.00 | $250.00 | 10/8/2010 3:24:19 PM |
| kmr2 | $200.00 | $200.00 | 10/8/2010 3:26:14 PM |
| bowdish1 | $50.00 | $50.00 | 10/8/2010 3:26:47 PM |
| marketplace-cello5 | $50.00 | $50.00 | 10/8/2010 3:27:30 PM |
| Fishy014 | $45.00 | $45.00 | 10/8/2010 5:33:24 PM |
| SOP_Bank | $25.00 | $25.00 | 10/8/2010 6:24:49 PM |
| CAGE-Investments | $25.00 | $25.00 | 10/8/2010 3:30:11 PM |
| Saleen06 | $25.00 | $25.00 | 10/8/2010 9:41:57 PM |
| the-stylish-euro | $50.00 | $50.00 | 10/8/2010 10:03:02 PM |
| tsui517 | $25.00 | $25.00 | 10/9/2010 2:35:43 AM |
| Bio-physicist | $25.00 | $25.00 | 10/8/2010 6:27:44 PM |
| mla | $25.00 | $25.00 | 10/9/2010 7:32:54 AM |
| the-profit-oracle | $25.00 | $25.00 | 10/9/2010 3:10:06 AM |
| agiovasil | $25.00 | $25.00 | 10/9/2010 3:32:50 PM |
| debt-patriot | $25.00 | $25.00 | 10/9/2010 7:37:11 PM |
| gtdane | $38.53 | $38.53 | 10/9/2010 11:31:31 AM |
| lava414 | $25.00 | $25.00 | 10/9/2010 12:29:55 PM |
| runner262 | $25.00 | $25.00 | 10/9/2010 11:52:48 PM |
| Anny-Disco | $50.00 | $50.00 | 10/10/2010 4:38:44 AM |
| fairness-kayak | $25.00 | $25.00 | 10/9/2010 6:47:42 PM |
| first-serene-credit | $50.00 | $50.00 | 10/10/2010 1:42:31 PM |
| Wardog | $80.00 | $80.00 | 10/9/2010 8:02:10 PM |
| worthy-bid8 | $35.02 | $35.02 | 10/9/2010 10:02:56 PM |
| tranquil-return4 | $25.00 | $25.00 | 10/10/2010 3:23:19 AM |
| doc1 | $100.00 | $100.00 | 10/10/2010 9:12:50 AM |
| Go_Ducks | $25.00 | $25.00 | 10/10/2010 8:27:41 PM |
| scott2004114 | $25.00 | $25.00 | 10/11/2010 1:11:06 AM |
| Tradesmanlender | $25.00 | $25.00 | 10/11/2010 9:01:49 AM |
| graceful-investment | $48.18 | $48.18 | 10/11/2010 9:42:52 AM |
| credit-panda1 | $25.00 | $25.00 | 10/11/2010 9:47:57 AM |
| the-determined-value | $50.00 | $50.00 | 10/10/2010 8:38:35 PM |
| loan-kingdom162 | $50.00 | $50.00 | 10/11/2010 1:13:09 PM |
| life-is-great | $45.87 | $45.87 | 10/11/2010 1:03:50 PM |
| icecoldcash | $50.00 | $50.00 | 10/11/2010 9:00:49 AM |
| saysana | $25.00 | $25.00 | 10/11/2010 3:04:19 PM |
| payout-alien6 | $25.00 | $25.00 | 10/11/2010 3:06:41 PM |
| dynrep | $25.00 | $25.00 | 10/11/2010 12:17:51 PM |
| Chesterite | $50.00 | $50.00 | 10/11/2010 12:19:41 PM |
| wealth-samaritan2 | $25.00 | $25.00 | 10/11/2010 6:21:45 PM |
| irrelevant | $25.00 | $25.00 | 10/11/2010 3:05:48 PM |
| blissful-responsibility4 | $50.00 | $50.00 | 10/11/2010 4:13:46 PM |
| Planecourage | $50.00 | $50.00 | 10/11/2010 9:20:30 PM |
| lendingfrog | $34.87 | $34.87 | 10/11/2010 9:42:39 PM |
| greenback-bull6 | $50.00 | $50.00 | 10/12/2010 9:12:49 AM |
| gomi-no-sensei | $160.76 | $160.76 | 10/12/2010 10:35:55 AM |
| preventivepestcontrol | $75.00 | $75.00 | 10/12/2010 11:04:12 AM |
| 123 bids
|
Borrower Payment Dependent Notes Series
479552
This series of Notes was issued and sold upon the funding of the borrower loan #44822, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,000.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 36.6% |
Auction start date:
| Oct-13-2010 |
| |
Auction end date:
| Oct-15-2010 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $90.47 |
|
Final lender yield:
| 33.33% |
Final borrower rate/APR:
| 34.33% / 38.04% |
Final monthly payment:
| $89.72 |
| |
|
Auction yield range:
| 16.71% - 34.00% |
Estimated loss impact:
| 38.57% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -5.24% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented 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:
| May-1994 |
Debt/Income ratio:
| 11% |
|
Credit score:
| 680-699 (Sep-2010) |
Inquiries last 6m:
| 5 | Employment status: | Employed |
|
Now delinquent:
| 6 |
Current / open credit lines:
| 7
/
5 | Length of status: | 16y 9m |
|
Amount delinquent:
| $101,497 |
Total credit lines:
| 36 |
Occupation: | Military Enlisted |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $0 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 17 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| loan-kung-fu |
Borrower's state:
| Virginia |
Borrower's group:
| Socorro Capital Partners |
Credit and homeownership information was obtained from borrower?s credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Loan to build Prosper Credit
Purpose of loan:
This loan will be used to? Build Prosper credit. .
My financial situation:
I am a good candidate for this loan because?I don't need the loan and have invested 7 X more then this amount as a lender in Prosper. My delinquencies are due to foreclosure of rental properties (4) I lost being mismanaged by property "manager" during deployment in 2007. Never had any debt prior to then and am quite stable once again. These funds will be reinvested into Prosper.
Monthly net income: $ 7700
Monthly expenses: $?4917
??Housing: $ 3130
??Insurance: $ 53
??Car expenses: $ 50
??Utilities: $ 246
??Phone, cable, internet: $ 200
??Food, entertainment: $ 500
??Clothing, household expenses $
??Credit cards and other loans: $ 500
??Other expenses: $ 220
Information in the Description is not verified.
Friends And Family Winning Bids
Military-2-Military has bid a total of
$500.00 in winning bids.
"Employment and Income verified. Can not validate with Military Credit Index due to High DQ's. Fellow military lender. A good bet"
friends and family winning bid
Information in Questions and Answers is not verified
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| bold-direct-asset | $50.00 | $50.00 | 10/13/2010 3:15:57 PM |
| Dollars4Rent | $25.00 | $25.00 | 10/13/2010 3:15:48 PM |
| loanman2007 | $25.00 | $25.00 | 10/13/2010 3:15:54 PM |
| Amber_Stone | $25.00 | $25.00 | 10/13/2010 8:40:41 PM |
| Military-2-Military | $250.00 | $250.00 | 10/14/2010 11:53:18 AM |
| alexgalt | $100.00 | $100.00 | 10/14/2010 11:52:47 AM |
| hookUup | $25.00 | $25.00 | 10/14/2010 6:37:47 PM |
| Kash2010lu | $115.00 | $115.00 | 10/14/2010 6:50:18 PM |
| Legally_Blonde | $32.24 | $32.24 | 10/14/2010 6:05:47 PM |
| zone6 | $500.00 | $100.53 | 10/15/2010 4:30:13 AM |
| MilitaryLending | $200.00 | $200.00 | 10/14/2010 11:34:59 PM |
| loanman2007 | $250.00 | $250.00 | 10/15/2010 7:03:14 AM |
| JGuide | $25.03 | $25.03 | 10/13/2010 3:15:51 PM |
| reflective-rupee | $50.00 | $50.00 | 10/13/2010 4:36:27 PM |
| 168RichCapital | $25.00 | $25.00 | 10/14/2010 3:26:12 PM |
| SolarMoonshine | $25.00 | $25.00 | 10/14/2010 6:31:53 PM |
| lendstats_com | $200.00 | $200.00 | 10/14/2010 5:12:49 PM |
| JGuide | $51.99 | $51.99 | 10/14/2010 9:32:39 PM |
| Kash2010lu | $25.00 | $25.00 | 10/15/2010 3:57:48 AM |
| MilitaryLending | $25.00 | $25.00 | 10/14/2010 11:32:46 PM |
| Kqwik | $25.00 | $25.00 | 10/15/2010 4:38:07 AM |
| Military-2-Military | $250.00 | $250.00 | 10/15/2010 7:20:05 AM |
| glroark | $50.00 | $50.00 | 10/15/2010 10:33:24 AM |
| mike279766 | $50.21 | $50.21 | 10/15/2010 12:12:32 PM |
| 24 bids
|