Sales Report:Supplement No. 71 dated Nov 08, 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
480048
This series of Notes was issued and sold upon the funding of the borrower loan #45179, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $3,500.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.80% |
Auction start date:
| Oct-18-2010 |
| |
Auction end date:
| Oct-23-2010 |
|
|
Starting lender yield:
| 26.50% |
Starting borrower rate/APR:
| 27.50% / 31.05% |
Starting monthly payment:
| $143.83 |
|
Final lender yield:
| 26.50% |
Final borrower rate/APR:
| 27.50% / 31.05% |
Final monthly payment:
| $143.83 |
| |
|
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:
| Jun-1984 |
Debt/Income ratio:
| 50% |
|
Credit score:
| 760-779 (Oct-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 21
/
20 | Length of status: | 24y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 60 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $3,033 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 27% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| thksyoujes |
Borrower's state:
| Alabama |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying Off my credit cards
Purpose of loan:
This loan will be used to?
My financial situation:
I am a good candidate for this loan because?
Monthly net income: $
Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
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) |
|
| thomas16882004 | $25.00 | $25.00 | 10/22/2010 2:54:46 AM |
| suave-dime6 | $29.73 | $29.73 | 10/22/2010 11:26:19 AM |
| inspiring-reward | $100.00 | $100.00 | 10/22/2010 2:05:13 PM |
| Whipster | $25.00 | $25.00 | 10/22/2010 3:02:20 PM |
| noble-revenue | $100.00 | $100.00 | 10/22/2010 3:51:21 PM |
| shrewd-peace7 | $50.00 | $50.00 | 10/22/2010 3:51:52 PM |
| djindepth | $50.00 | $50.00 | 10/22/2010 3:55:46 PM |
| crenen139 | $25.00 | $25.00 | 10/22/2010 4:03:35 PM |
| kaykarun | $25.00 | $25.00 | 10/22/2010 9:32:33 PM |
| leverage-monger | $25.00 | $25.00 | 10/23/2010 7:57:26 AM |
| heat25 | $25.00 | $25.00 | 10/23/2010 8:44:06 AM |
| momoney2lend | $25.00 | $25.00 | 10/23/2010 11:00:59 AM |
| Leshan | $25.00 | $25.00 | 10/23/2010 11:46:04 AM |
| shmb6508 | $50.00 | $50.00 | 10/19/2010 11:16:33 AM |
| moola-wildebeest3 | $25.00 | $25.00 | 10/19/2010 11:20:03 AM |
| musegaze | $100.00 | $100.00 | 10/19/2010 11:25:23 AM |
| teller | $50.00 | $50.00 | 10/19/2010 11:25:03 AM |
| balance-handshake7 | $25.00 | $25.00 | 10/19/2010 12:33:37 PM |
| top-courteous-peso | $50.00 | $50.00 | 10/18/2010 3:00:42 PM |
| natural-greenback6 | $25.00 | $25.00 | 10/20/2010 9:52:38 AM |
| Requiem | $25.00 | $25.00 | 10/21/2010 7:40:08 PM |
| BanqueDeFrance | $50.00 | $50.00 | 10/21/2010 7:04:07 PM |
| well-mannered-income3 | $60.00 | $60.00 | 10/21/2010 8:06:38 PM |
| GeorgiaGator | $25.00 | $25.00 | 10/21/2010 5:03:44 PM |
| HedgeFund | $50.00 | $50.00 | 10/21/2010 2:57:53 PM |
| worthy-bid8 | $25.00 | $25.00 | 10/21/2010 2:56:45 PM |
| greenback-guard | $25.00 | $25.00 | 10/21/2010 1:27:35 PM |
| bold-attentive-listing | $25.00 | $25.00 | 10/18/2010 3:24:40 PM |
| handshake5 | $50.00 | $50.00 | 10/18/2010 3:13:44 PM |
| dynrep | $25.00 | $25.00 | 10/18/2010 3:02:05 PM |
| radiant-loan5 | $200.00 | $200.00 | 10/18/2010 3:11:55 PM |
| nybanker85 | $50.00 | $50.00 | 10/18/2010 3:51:09 PM |
| jigsaw | $50.00 | $50.00 | 10/21/2010 10:09:22 AM |
| money-bauble | $100.00 | $100.00 | 10/21/2010 2:57:59 PM |
| anton | $143.04 | $143.04 | 10/22/2010 7:12:16 AM |
| psa1995 | $25.00 | $25.00 | 10/22/2010 7:03:32 AM |
| mt3209 | $25.00 | $25.00 | 10/22/2010 7:11:28 AM |
| MadHun | $41.95 | $41.95 | 10/22/2010 8:49:27 AM |
| smear87 | $25.00 | $25.00 | 10/22/2010 9:17:48 AM |
| valiant-liberty4 | $25.00 | $25.00 | 10/22/2010 11:11:40 AM |
| helping-out | $100.00 | $100.00 | 10/22/2010 11:26:09 AM |
| greenback-guard | $25.00 | $25.00 | 10/22/2010 11:26:15 AM |
| SeeksValue | $25.00 | $25.00 | 10/22/2010 3:15:00 PM |
| bold-attentive-listing | $25.00 | $25.00 | 10/22/2010 3:49:57 PM |
| innocent-income4 | $25.00 | $25.00 | 10/22/2010 3:55:07 PM |
| life-is-great | $50.00 | $50.00 | 10/22/2010 3:54:06 PM |
| pursuit699 | $50.00 | $50.00 | 10/22/2010 3:54:55 PM |
| red-power-pecan | $50.00 | $50.00 | 10/22/2010 4:02:45 PM |
| thankful-nickel2 | $25.00 | $25.00 | 10/22/2010 7:35:26 PM |
| ryan6853 | $25.00 | $25.00 | 10/22/2010 10:14:49 PM |
| power-secret-agent | $25.00 | $25.00 | 10/23/2010 4:46:16 AM |
| wwwUniversal | $25.00 | $25.00 | 10/23/2010 3:40:08 AM |
| skuba | $25.00 | $25.00 | 10/23/2010 5:04:01 AM |
| orange-preeminant-bill | $40.63 | $40.63 | 10/23/2010 4:11:15 AM |
| Bob450 | $25.00 | $25.00 | 10/23/2010 9:30:04 AM |
| vest_vortex | $25.00 | $25.00 | 10/23/2010 12:28:00 PM |
| new-social-economist | $80.00 | $57.41 | 10/23/2010 1:26:33 PM |
| SolarMoonshine | $25.00 | $25.00 | 10/20/2010 5:25:41 PM |
| ingenious-deal6 | $25.00 | $25.00 | 10/20/2010 4:01:38 PM |
| Wellman | $50.00 | $50.00 | 10/20/2010 3:41:27 PM |
| TakeCare | $60.00 | $60.00 | 10/20/2010 12:04:09 PM |
| EBITDA | $25.00 | $25.00 | 10/20/2010 10:53:54 AM |
| JustMee | $25.00 | $25.00 | 10/20/2010 8:41:26 AM |
| graceful-investment | $92.24 | $92.24 | 10/20/2010 8:37:58 AM |
| reflective-rupee | $200.00 | $200.00 | 10/18/2010 4:33:10 PM |
| bid-czar8 | $25.00 | $25.00 | 10/18/2010 3:13:07 PM |
| patriot384 | $120.00 | $120.00 | 10/20/2010 7:53:31 AM |
| SFBank | $300.00 | $300.00 | 10/19/2010 6:26:42 PM |
| NoCal | $30.00 | $30.00 | 10/19/2010 11:17:13 AM |
| 69 bids
|
Borrower Payment Dependent Notes Series
481128
This series of Notes was issued and sold upon the funding of the borrower loan #45173, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,500.00 |
Prosper Rating:
| AA |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 1.55% |
Auction start date:
| Oct-22-2010 |
| |
Auction end date:
| Oct-29-2010 |
|
|
Starting lender yield:
| 7.00% |
Starting borrower rate/APR:
| 8.00% / 8.34% |
Starting monthly payment:
| $78.34 |
|
Final lender yield:
| 6.50% |
Final borrower rate/APR:
| 7.50% / 7.84% |
Final monthly payment:
| $77.77 |
| |
|
Auction yield range:
| 2.71% - 7.00% |
Estimated loss impact:
| 1.55% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 4.95% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 10 |
First credit line:
| Aug-1999 |
Debt/Income ratio:
| 2% |
|
Credit score:
| 820-839 (Oct-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 7y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 20 |
Occupation: | Computer Programmer |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,916 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 5% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| justice-triumph |
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
Paying Off High Rate Credit Cards
Purpose of loan:
This loan will be used to pay off my high interest credit card debt.
My financial situation:
I am a good candidate for this loan because I have a full time good paying job, but I've had some mishaps which have made my finances hard on me. I'm looking for a fresh start so I hope someone can help me with this. I truly appreciate it.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
Hi. What are the balances and interest rates on the credit cards and any other loans you will be consolidating? Thanks - plumber87
A:
The balance is at $2,800. I did a consolidation before which is now at 18% which in the long run is going to be more obviously. I'm looking to pay this off ASAP and lock in at something single digit for the interest rate.
(Oct-27-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| exchange-squirrel | $25.00 | $25.00 | 10/22/2010 2:32:08 PM |
| platinum-hunter7 | $50.00 | $50.00 | 10/22/2010 4:56:23 PM |
| Sarspatula | $25.00 | $25.00 | 10/23/2010 2:19:36 AM |
| interstellar | $41.81 | $41.81 | 10/23/2010 1:39:56 AM |
| beachfunder | $25.00 | $25.00 | 10/23/2010 2:51:41 PM |
| Approved | $28.00 | $28.00 | 10/23/2010 5:59:20 PM |
| eCapital | $25.00 | $25.00 | 10/24/2010 4:58:28 PM |
| elvisloans | $25.00 | $25.00 | 10/25/2010 5:19:38 AM |
| investment-artist | $25.00 | $25.00 | 10/26/2010 3:49:36 PM |
| penny-plato | $25.00 | $25.00 | 10/26/2010 5:52:48 PM |
| credit-guard5 | $25.00 | $25.00 | 10/26/2010 7:54:24 PM |
| lucabratsie | $25.00 | $25.00 | 10/26/2010 7:27:35 PM |
| swissbanker | $100.00 | $100.00 | 10/27/2010 7:35:35 AM |
| bannybucks | $25.00 | $25.00 | 10/27/2010 7:43:29 AM |
| NYCLAIMSGUY | $25.00 | $25.00 | 10/27/2010 11:13:48 AM |
| gdfp158 | $25.00 | $25.00 | 10/27/2010 4:02:03 PM |
| myidear | $25.00 | $25.00 | 10/28/2010 1:27:02 AM |
| cwegert | $63.63 | $63.63 | 10/28/2010 8:28:23 AM |
| The-Lighthouse-Group | $25.00 | $25.00 | 10/28/2010 3:32:16 AM |
| patriot897 | $40.00 | $40.00 | 10/28/2010 10:42:35 AM |
| rmpedi33 | $50.00 | $50.00 | 10/28/2010 1:49:21 PM |
| PalmerTheEmbalmer | $25.00 | $25.00 | 10/28/2010 11:16:06 AM |
| rce1964 | $25.00 | $25.00 | 10/28/2010 2:21:37 PM |
| dmitriy2 | $25.00 | $25.00 | 10/28/2010 12:56:45 PM |
| greekpolis | $100.00 | $100.00 | 10/28/2010 2:08:57 PM |
| AK49-JW | $25.00 | $25.00 | 10/28/2010 2:18:17 PM |
| magnificent-reward9 | $25.00 | $25.00 | 10/28/2010 4:00:15 PM |
| Spiv_51 | $25.00 | $25.00 | 10/29/2010 5:13:22 AM |
| redtilapia | $25.00 | $25.00 | 10/29/2010 6:57:02 AM |
| FundMaker | $25.00 | $25.00 | 10/29/2010 9:36:14 AM |
| KTOWN | $36.93 | $36.93 | 10/29/2010 2:20:44 PM |
| cellardoor | $50.00 | $50.00 | 10/29/2010 2:25:12 PM |
| kinetic-social | $25.00 | $25.00 | 10/29/2010 2:13:57 PM |
| blot44 | $25.00 | $25.00 | 10/22/2010 2:32:19 PM |
| RandyL3 | $25.00 | $25.00 | 10/22/2010 2:46:23 PM |
| F_r_e_d_s__B_a_n_k | $50.00 | $50.00 | 10/22/2010 3:02:44 PM |
| thankful-nickel2 | $25.00 | $25.00 | 10/22/2010 7:33:55 PM |
| exchange-squirrel | $25.00 | $25.00 | 10/23/2010 1:08:35 AM |
| restless-balance9 | $50.00 | $50.00 | 10/23/2010 7:21:52 AM |
| cashhelp | $50.00 | $50.00 | 10/23/2010 1:40:44 PM |
| FLFF | $50.00 | $50.00 | 10/26/2010 5:39:01 AM |
| jpblan11 | $25.00 | $25.00 | 10/26/2010 3:08:21 PM |
| octoberfresh | $30.00 | $30.00 | 10/27/2010 6:33:50 AM |
| marwadi-62 | $300.00 | $300.00 | 10/27/2010 12:59:22 PM |
| bradny | $25.00 | $25.00 | 10/27/2010 11:52:40 AM |
| jms1983 | $25.00 | $25.00 | 10/27/2010 3:45:03 PM |
| Zipperdu | $50.00 | $50.00 | 10/28/2010 8:27:55 AM |
| TomDalonajay | $25.00 | $25.00 | 10/28/2010 9:39:24 AM |
| Brisket_Bob | $76.28 | $76.28 | 10/28/2010 1:33:54 PM |
| AustinAmerica | $25.00 | $25.00 | 10/28/2010 2:08:08 PM |
| LoxKid | $50.00 | $45.35 | 10/28/2010 8:07:41 PM |
| OoM | $31.00 | $31.00 | 10/28/2010 3:34:57 PM |
| fair_rates | $25.00 | $25.00 | 10/29/2010 1:55:07 AM |
| wampum-amplifier | $25.00 | $25.00 | 10/28/2010 6:52:36 PM |
| YummiBear | $25.00 | $25.00 | 10/28/2010 5:53:50 PM |
| eclicknsave | $25.00 | $25.00 | 10/29/2010 12:19:34 AM |
| Dollars4Rent | $25.00 | $25.00 | 10/29/2010 11:57:12 AM |
| LeoBUSIIT | $25.00 | $25.00 | 10/29/2010 11:58:18 AM |
| orange-agreement-historian | $40.00 | $40.00 | 10/29/2010 10:29:49 AM |
| hunterMG | $192.00 | $192.00 | 10/29/2010 1:08:49 PM |
| Dollars4Rent | $25.00 | $25.00 | 10/29/2010 11:57:35 AM |
| 61 bids
|
Borrower Payment Dependent Notes Series
481764
This series of Notes was issued and sold upon the funding of the borrower loan #45205, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $5,000.00 |
Prosper Rating:
| B |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 5.95% |
Auction start date:
| Oct-27-2010 |
| |
Auction end date:
| Nov-01-2010 |
|
|
Starting lender yield:
| 13.90% |
Starting borrower rate/APR:
| 14.90% / 17.07% |
Starting monthly payment:
| $173.08 |
|
Final lender yield:
| 13.90% |
Final borrower rate/APR:
| 14.90% / 17.07% |
Final monthly payment:
| $173.08 |
| |
|
Auction yield range:
| 5.71% - 13.90% |
Estimated loss impact:
| 6.18% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.72% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented 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:
| Apr-2002 |
Debt/Income ratio:
| 33% |
|
Credit score:
| 740-759 (Oct-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 14
/
14 | Length of status: | 4y 2m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 39 |
Occupation: | Attorney |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $28,210 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 63% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| interest-harbor9 |
Borrower's state:
| Florida |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
My Volvo Needs Repair
Purpose of loan:
This loan will be used to?
My financial situation:
I am a good candidate for this loan because...
Monthly net income: $
Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $
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) |
|
| jazzlender | $25.00 | $25.00 | 10/27/2010 3:03:51 PM |
| williemc44 | $50.00 | $50.00 | 10/27/2010 3:01:38 PM |
| ogmanny | $50.00 | $50.00 | 10/27/2010 3:05:24 PM |
| teller | $50.00 | $50.00 | 10/27/2010 3:05:32 PM |
| skuba | $25.00 | $25.00 | 10/27/2010 3:07:28 PM |
| organized-payment6 | $25.00 | $25.00 | 10/27/2010 3:14:10 PM |
| GeorgiaGator | $50.00 | $50.00 | 10/27/2010 4:00:16 PM |
| GElender | $75.00 | $75.00 | 10/27/2010 3:01:27 PM |
| ray1051 | $25.00 | $25.00 | 10/27/2010 3:05:42 PM |
| bold-durability-drum | $50.00 | $50.00 | 10/27/2010 3:06:19 PM |
| rescue | $100.00 | $100.00 | 10/27/2010 3:09:28 PM |
| studious-bonus7 | $100.00 | $100.00 | 10/27/2010 3:12:33 PM |
| uncleubb | $25.00 | $25.00 | 10/27/2010 3:12:47 PM |
| Fingar | $50.00 | $50.00 | 10/27/2010 5:02:25 PM |
| the-profit-oracle | $25.00 | $25.00 | 10/27/2010 4:31:57 PM |
| tntmojave | $25.00 | $25.00 | 10/27/2010 5:06:57 PM |
| bentheretoo | $250.00 | $250.00 | 10/27/2010 5:35:27 PM |
| dospapalotes | $25.64 | $25.64 | 10/27/2010 5:19:12 PM |
| rapid-credit428 | $25.00 | $25.00 | 10/27/2010 10:31:32 PM |
| brazilofmux | $100.00 | $100.00 | 10/27/2010 7:04:49 PM |
| reward-tsunami7 | $29.18 | $29.18 | 10/27/2010 11:35:05 PM |
| valiant-liberty4 | $25.00 | $25.00 | 10/27/2010 8:10:50 PM |
| nickel-ferret | $50.00 | $50.00 | 10/27/2010 10:11:31 PM |
| doncm | $50.00 | $50.00 | 10/28/2010 12:27:34 PM |
| BrLender | $25.00 | $25.00 | 10/28/2010 1:21:12 PM |
| Artist_Blue | $25.00 | $25.00 | 10/28/2010 2:16:54 PM |
| OrcaFIN | $25.00 | $25.00 | 10/28/2010 2:28:05 PM |
| thrifty-peso | $25.00 | $25.00 | 10/28/2010 2:28:10 PM |
| exchange-battalion | $30.00 | $30.00 | 10/28/2010 2:28:01 PM |
| blissful-responsibility4 | $25.00 | $25.00 | 10/28/2010 3:45:46 PM |
| silver-baby | $25.00 | $25.00 | 10/28/2010 4:46:13 PM |
| peerlender | $25.00 | $25.00 | 10/29/2010 2:37:45 AM |
| mizon291 | $50.00 | $50.00 | 10/28/2010 9:59:24 PM |
| the-money-position | $50.00 | $50.00 | 10/28/2010 10:16:39 PM |
| gracej | $25.00 | $25.00 | 10/29/2010 2:03:54 AM |
| peripatetic | $25.00 | $25.00 | 10/29/2010 3:36:15 AM |
| taylor883 | $50.00 | $50.00 | 10/29/2010 11:26:12 AM |
| jayk63 | $25.00 | $25.00 | 10/29/2010 2:49:53 PM |
| credit-panda1 | $25.00 | $25.00 | 10/29/2010 7:41:31 PM |
| bondhedger | $25.00 | $25.00 | 10/29/2010 7:43:17 PM |
| money-bauble | $25.00 | $25.00 | 10/30/2010 7:37:58 AM |
| nolahelper | $25.00 | $25.00 | 10/30/2010 5:15:29 AM |
| Hogpilot | $25.00 | $25.00 | 10/30/2010 5:42:57 AM |
| Ven58 | $25.00 | $25.00 | 10/30/2010 5:33:31 AM |
| riproaringrapids | $25.00 | $25.00 | 10/30/2010 6:48:14 AM |
| simplelender80 | $100.00 | $100.00 | 10/30/2010 7:47:19 AM |
| MM1207 | $25.00 | $25.00 | 10/30/2010 8:10:38 AM |
| lukeskywalkerkp | $45.00 | $45.00 | 10/30/2010 9:03:31 AM |
| inspiring-reward | $75.00 | $72.18 | 10/30/2010 7:23:14 PM |
| giovani | $25.00 | $25.00 | 10/31/2010 6:48:51 PM |
| colorfulgardener | $25.00 | $25.00 | 10/31/2010 5:28:30 PM |
| natural-affluence4 | $25.00 | $25.00 | 10/27/2010 3:06:34 PM |
| BxRealtor | $25.00 | $25.00 | 10/27/2010 3:07:37 PM |
| Weaverville | $50.00 | $50.00 | 10/27/2010 2:59:02 PM |
| enthralling-deal180 | $50.00 | $50.00 | 10/27/2010 3:13:07 PM |
| handshake5 | $100.00 | $100.00 | 10/27/2010 3:07:52 PM |
| point-kitten6 | $50.00 | $50.00 | 10/27/2010 3:08:05 PM |
| GCInvestments | $25.00 | $25.00 | 10/27/2010 3:08:22 PM |
| subtle-revenue0 | $25.00 | $25.00 | 10/27/2010 3:13:18 PM |
| selector568 | $400.00 | $400.00 | 10/27/2010 3:00:45 PM |
| DDPrime | $100.00 | $100.00 | 10/27/2010 3:05:02 PM |
| mjunlimited | $50.00 | $50.00 | 10/27/2010 3:05:47 PM |
| radforj22 | $25.00 | $25.00 | 10/27/2010 3:08:50 PM |
| zeelender | $25.00 | $25.00 | 10/27/2010 3:54:44 PM |
| jdwillcox | $100.00 | $100.00 | 10/27/2010 3:12:51 PM |
| Banker7371 | $25.00 | $25.00 | 10/27/2010 4:16:34 PM |
| mla | $25.00 | $25.00 | 10/27/2010 4:31:27 PM |
| efficient-treasure0 | $25.00 | $25.00 | 10/27/2010 8:00:20 PM |
| dollardave | $100.00 | $100.00 | 10/27/2010 5:01:50 PM |
| Ubiquinone | $50.00 | $50.00 | 10/27/2010 8:16:33 PM |
| jed919 | $25.00 | $25.00 | 10/27/2010 10:11:38 PM |
| loyalty-sherpa | $50.00 | $50.00 | 10/28/2010 9:40:31 AM |
| reflective-rupee | $33.00 | $33.00 | 10/28/2010 10:34:52 AM |
| narblark | $50.00 | $50.00 | 10/28/2010 11:52:37 AM |
| Panna | $25.00 | $25.00 | 10/28/2010 2:28:03 PM |
| graceful-investment | $100.00 | $100.00 | 10/28/2010 2:31:27 PM |
| julijask | $35.00 | $35.00 | 10/28/2010 2:32:22 PM |
| tenacious-compassion9 | $25.00 | $25.00 | 10/28/2010 2:28:06 PM |
| museic1 | $25.00 | $25.00 | 10/28/2010 2:30:10 PM |
| unassassinable | $25.00 | $25.00 | 10/28/2010 2:32:05 PM |
| best-deal-banker | $25.00 | $25.00 | 10/28/2010 3:47:05 PM |
| Bank_Of_XL | $50.00 | $50.00 | 10/28/2010 6:47:48 PM |
| witty-compassion | $25.00 | $25.00 | 10/28/2010 10:28:26 PM |
| a-finance-nirvana | $25.00 | $25.00 | 10/29/2010 2:26:32 AM |
| velocity-solo | $25.00 | $25.00 | 10/29/2010 9:42:52 AM |
| gjh37 | $50.00 | $50.00 | 10/29/2010 6:52:18 AM |
| jga516 | $25.00 | $25.00 | 10/29/2010 9:52:03 AM |
| the-bill-gatherer | $50.00 | $50.00 | 10/29/2010 11:26:37 AM |
| credible-balance0 | $25.00 | $25.00 | 10/29/2010 9:41:58 AM |
| rjrventure | $75.00 | $75.00 | 10/29/2010 9:48:16 AM |
| intuitive-camaraderi9 | $25.00 | $25.00 | 10/29/2010 9:51:32 AM |
| Aimvest | $25.00 | $25.00 | 10/29/2010 9:52:51 AM |
| ladderskibum | $25.00 | $25.00 | 10/29/2010 11:26:06 AM |
| successful-agreement7 | $100.00 | $100.00 | 10/29/2010 2:16:44 PM |
| hookUup | $100.00 | $100.00 | 10/30/2010 1:05:29 AM |
| FinDoc | $30.00 | $30.00 | 10/30/2010 2:35:28 AM |
| lagnisiruk | $25.00 | $25.00 | 10/30/2010 3:13:20 AM |
| alpinaut | $25.00 | $25.00 | 10/29/2010 5:38:37 PM |
| laufer32304 | $50.00 | $50.00 | 10/30/2010 10:06:18 AM |
| benefit-piano5 | $25.00 | $25.00 | 10/30/2010 12:23:23 PM |
| SoCalRancher | $25.00 | $25.00 | 10/30/2010 1:44:21 PM |
| flopcat | $25.00 | $25.00 | 10/30/2010 2:08:17 PM |
| rjleves | $50.00 | $50.00 | 10/30/2010 2:23:28 PM |
| generous-deal6 | $50.00 | $50.00 | 10/30/2010 5:25:13 PM |
| ttnk62918 | $25.00 | $25.00 | 10/30/2010 9:35:46 PM |
| doc1 | $100.00 | $100.00 | 10/31/2010 4:38:48 PM |
| honey-money | $25.00 | $25.00 | 10/31/2010 7:22:24 PM |
| Mindful7 | $25.00 | $25.00 | 11/1/2010 4:40:47 AM |
| 108 bids
|
Borrower Payment Dependent Notes Series
481830
This series of Notes was issued and sold upon the funding of the borrower loan #45191, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,000.00 |
Prosper Rating:
| B |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 4.95% |
Auction start date:
| Oct-28-2010 |
| |
Auction end date:
| Nov-04-2010 |
|
|
Starting lender yield:
| 12.40% |
Starting borrower rate/APR:
| 13.40% / 16.10% |
Starting monthly payment:
| $67.77 |
|
Final lender yield:
| 10.89% |
Final borrower rate/APR:
| 11.89% / 14.57% |
Final monthly payment:
| $66.32 |
| |
|
Auction yield range:
| 5.71% - 12.40% |
Estimated loss impact:
| 5.13% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 5.76% | | |
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:
| Apr-1974 |
Debt/Income ratio:
| 22% |
|
Credit score:
| 740-759 (Oct-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 6 |
Current / open credit lines:
| 3
/
3 | Length of status: | 22y 1m |
|
Amount delinquent:
| $2,366 |
Total credit lines:
| 29 |
Occupation: | Retail Management |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $121 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 16 |
Bankcard utilization:
| 7% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| mxz600 |
Borrower's state:
| NewYork |
Borrower's group:
| 00 Used Car Loans |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 5 ( 100% )
| 740-759 (Latest)
|
|
Principal borrowed:
| $3,800.00 | < 31 days late:
| 0
( 0% )
| 720-739
(May-2010)
700-719
(Mar-2007)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 5 | | |
Description
paying off credit cards
Purpose of loan:
This loan will be used to?
I am going to pay off our credit cards. [In full]
My financial situation:
I am a good candidate for this loan because?
My wife just got a full time job -we have been trying to make due with her working part time but its was tight!
Monthly net income: $
4400.00
Monthly expenses: $
??Housing: $
1200.00
??Insurance: $
119.00
??Car expenses: $
292.00
??Utilities: $
150.00
??Phone, cable, internet: $
130.00
??Food, entertainment: $
350.00
??Clothing, household expenses $
??Credit cards and other loans: $ 500.00
??Other expenses: $ 200.00
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| bluflame9940 | $25.00 | $25.00 | 10/29/2010 7:02:16 AM |
| DJReflections | $25.00 | $25.00 | 10/29/2010 8:32:23 AM |
| wlm3012 | $25.00 | $25.00 | 10/29/2010 10:33:55 AM |
| encouraging-fund | $25.00 | $25.00 | 10/29/2010 11:51:15 AM |
| fund-widget | $25.00 | $25.00 | 10/29/2010 4:09:18 PM |
| investment-artist | $25.00 | $25.00 | 10/30/2010 9:56:53 AM |
| pshans | $45.00 | $45.00 | 11/1/2010 4:45:47 PM |
| wlm3012 | $25.00 | $25.00 | 11/1/2010 6:03:10 PM |
| arenangelchild | $29.73 | $29.73 | 11/2/2010 2:58:45 PM |
| gilbrear | $25.00 | $25.00 | 11/2/2010 3:19:23 PM |
| thankful-nickel2 | $25.00 | $25.00 | 11/2/2010 7:45:47 PM |
| TheLoanManCan | $50.00 | $50.00 | 11/3/2010 4:14:30 AM |
| phersjm | $25.00 | $25.00 | 11/3/2010 6:33:14 PM |
| Tizzo27 | $38.80 | $38.80 | 11/3/2010 5:43:24 PM |
| CASSHMAN | $50.00 | $50.00 | 11/3/2010 6:14:46 PM |
| rutzebach | $105.26 | $105.26 | 11/3/2010 11:35:05 PM |
| EliteCapital | $25.00 | $25.00 | 11/4/2010 6:54:50 AM |
| crw1950 | $50.00 | $6.44 | 11/4/2010 5:42:08 AM |
| mala54 | $25.00 | $25.00 | 11/4/2010 9:55:27 AM |
| exact-peso2 | $25.00 | $25.00 | 11/4/2010 11:08:02 AM |
| db0973 | $25.00 | $25.00 | 11/4/2010 10:32:32 AM |
| marwadi-62 | $300.00 | $300.00 | 11/4/2010 2:06:12 PM |
| grampy48 | $25.00 | $25.00 | 11/4/2010 12:55:12 PM |
| havok555 | $27.76 | $27.76 | 11/4/2010 1:32:30 PM |
| sturdy-velocity6 | $25.00 | $25.00 | 11/4/2010 2:09:42 PM |
| Fire2 | $25.00 | $25.00 | 11/4/2010 2:52:45 PM |
| outofoffice | $62.75 | $62.75 | 10/29/2010 7:02:10 AM |
| bondhedger | $25.00 | $25.00 | 10/29/2010 7:08:34 AM |
| rmpedi33 | $50.00 | $50.00 | 10/29/2010 10:06:51 AM |
| Cherrypicker | $50.00 | $50.00 | 10/29/2010 7:37:11 PM |
| penny-plato | $25.00 | $25.00 | 10/31/2010 2:17:56 PM |
| Mindful7 | $25.00 | $25.00 | 11/1/2010 4:43:05 AM |
| SamuelChee | $31.96 | $31.96 | 11/2/2010 6:29:16 AM |
| boomarang2 | $25.00 | $25.00 | 11/2/2010 9:25:06 AM |
| vulgy | $25.00 | $25.00 | 11/3/2010 5:59:13 AM |
| Johnab | $25.00 | $25.00 | 11/3/2010 3:44:47 PM |
| la_tim | $75.00 | $75.00 | 11/3/2010 4:33:19 PM |
| ultimate-commitment | $25.00 | $25.00 | 11/3/2010 9:22:22 PM |
| PalmerTheEmbalmer | $25.00 | $25.00 | 11/3/2010 11:21:04 PM |
| olin5 | $26.00 | $26.00 | 11/4/2010 4:26:53 AM |
| EliteCapital | $32.04 | $32.04 | 11/4/2010 5:51:05 AM |
| icecoldcash | $100.00 | $100.00 | 11/4/2010 9:58:47 AM |
| steady-funds3 | $29.09 | $29.09 | 11/4/2010 11:10:06 AM |
| ccapital | $100.00 | $100.00 | 11/4/2010 10:29:53 AM |
| slwholesales | $25.00 | $25.00 | 11/4/2010 10:38:09 AM |
| AsianDragon | $25.00 | $25.00 | 11/4/2010 1:28:01 PM |
| Torero06 | $50.00 | $50.00 | 11/4/2010 12:37:36 PM |
| friendinmoney | $25.00 | $25.00 | 11/4/2010 2:40:28 PM |
| friendinmoney | $40.17 | $40.17 | 11/4/2010 2:58:20 PM |
| 49 bids
|
Borrower Payment Dependent Notes Series
481910
This series of Notes was issued and sold upon the funding of the borrower loan #45208, 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:
| 10.80% |
Auction start date:
| Oct-28-2010 |
| |
Auction end date:
| Nov-04-2010 |
|
|
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):
| 7 |
First credit line:
| Jul-1984 |
Debt/Income ratio:
| 19% |
|
Credit score:
| 700-719 (Oct-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 15
/
15 | Length of status: | 15y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 30 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $46,948 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 88% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| speedy-truth4 |
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
Unexpected Personal Expenses
Purpose of loan:
This loan will?be used to?pay a portion of the annual property taxes on my home.? The?funds,?which I?had previously allocated for the tax bill, were used unexpectedly when my mom?was diagnosed with cancer?and I was traveling back/forth to see her in another state?for several months.? In addition to my cash savings, I also used a portion of my open credit card lines to purchase plane tickets, rental cars, etc.?? At this time, I am?ecstatically happy to report that she is now?in?remission.? In my previous listing, I did not detail the reason for my unexpected expenses because it is so personal but a prospective lender asked the question so I thought I would share the story in this listing so you understand the background on my loan request.? Thank you very much for considering my loan request.?
My financial situation:
I am a good candidate for this loan because I have a stable position in the high tech industry?(15 years of increasing responsibility with the?same organization), I have owned my own home for 12 years and my?credit rating has historically been?"excellent" until?recently when it has?decreased (low 700s now) due to?the use of some of my open credit lines to cover?unexpected personal expenses.? Additionally, please note that I have no?late payments nor delinquencies?on my credit report.??Lastly, it is my intention to retire this loan early and pay it off in its entirety?in June 2011 using funds from my annual bonus.?
Monthly net income: $ 6700
Monthly expenses: $?5303 (inclusive of new Prosper?monthly loan payment)
??Housing: $ 1,448 first mortgage + $993 2nd mortgage
??Insurance: $ 88 (car)
??Car expenses: $ 426?
??Utilities: $?200
??Phone, cable, internet: $ 125??
??Food, entertainment: $?400
??Clothing, household expenses $?200
??Credit cards and other loans: $ 1300 + $123.28 for this?prosper loan
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| platinum-celebration4 | $25.00 | $25.00 | 11/1/2010 9:39:58 AM |
| worthy-bid4 | $34.62 | $34.62 | 11/1/2010 1:38:35 PM |
| greenback-guard | $25.00 | $25.00 | 11/2/2010 1:22:48 PM |
| Requiem | $25.00 | $25.00 | 11/2/2010 3:05:43 PM |
| missing-link | $100.00 | $100.00 | 11/2/2010 2:17:22 PM |
| Magog12 | $25.00 | $25.00 | 11/2/2010 2:59:01 PM |
| NoCal | $30.00 | $30.00 | 11/2/2010 3:01:54 PM |
| reflective-rupee | $44.00 | $44.00 | 11/2/2010 3:37:37 PM |
| mercuriant | $25.00 | $25.00 | 11/2/2010 9:15:19 PM |
| paradisenow | $25.00 | $25.00 | 11/3/2010 4:24:28 AM |
| Whipster | $25.00 | $25.00 | 11/3/2010 9:12:09 AM |
| bold-attentive-listing | $25.00 | $25.00 | 11/3/2010 9:03:30 AM |
| bold-attentive-listing | $25.00 | $25.00 | 11/3/2010 2:53:07 PM |
| squarebob | $25.00 | $25.00 | 11/3/2010 5:02:36 PM |
| squarebob | $25.00 | $25.00 | 11/3/2010 5:03:12 PM |
| Impact_Vector | $25.00 | $25.00 | 11/3/2010 6:33:08 PM |
| credit-missile | $25.00 | $25.00 | 11/3/2010 9:17:11 PM |
| CPAecs | $25.00 | $25.00 | 11/3/2010 7:10:49 PM |
| Reliance_Banker | $25.00 | $25.00 | 11/3/2010 7:44:51 PM |
| geophreigh | $25.00 | $25.00 | 11/4/2010 5:13:11 AM |
| tech310 | $25.00 | $25.00 | 10/31/2010 9:44:05 PM |
| graceful-investment | $100.00 | $100.00 | 10/30/2010 11:31:16 AM |
| handshake5 | $100.00 | $100.00 | 10/29/2010 3:13:56 PM |
| inspiring-reward | $100.00 | $100.00 | 10/29/2010 3:11:53 PM |
| bid-czar8 | $25.00 | $25.00 | 10/29/2010 2:40:44 PM |
| valiant-liberty4 | $25.00 | $25.00 | 10/28/2010 3:32:27 PM |
| simplelender80 | $200.00 | $200.00 | 10/28/2010 3:06:03 PM |
| radiant-loan5 | $200.00 | $200.00 | 10/28/2010 3:30:57 PM |
| rockhound84 | $25.00 | $25.00 | 11/4/2010 2:41:04 AM |
| sturdy-peace9 | $75.00 | $75.00 | 11/4/2010 6:59:30 AM |
| rate-hickory | $25.00 | $25.00 | 11/4/2010 8:08:26 AM |
| wonder3 | $25.00 | $25.00 | 11/4/2010 6:25:09 AM |
| Leshan | $33.33 | $33.33 | 11/4/2010 9:05:36 AM |
| SDD123 | $25.00 | $25.00 | 11/4/2010 6:21:34 AM |
| Uylsses | $100.00 | $100.00 | 11/4/2010 9:11:34 AM |
| contract-high-five | $25.00 | $25.00 | 11/4/2010 6:52:57 AM |
| social-zebra | $40.40 | $40.40 | 11/4/2010 6:58:43 AM |
| attractive-fund | $50.00 | $50.00 | 11/4/2010 7:18:50 AM |
| cash-daisy | $32.58 | $32.58 | 11/4/2010 7:41:24 AM |
| octoberfresh | $25.00 | $25.00 | 11/4/2010 8:34:54 AM |
| suave-dime6 | $50.00 | $50.00 | 10/28/2010 3:33:56 PM |
| parsec9 | $25.00 | $25.00 | 10/29/2010 12:54:14 AM |
| Artist_Blue | $25.00 | $25.00 | 10/29/2010 9:33:13 AM |
| velocity-solo | $25.00 | $25.00 | 10/29/2010 9:45:24 AM |
| natural-greenback6 | $25.00 | $25.00 | 11/1/2010 11:14:51 AM |
| nickel-hickory | $50.00 | $50.00 | 11/1/2010 4:48:41 PM |
| 108lender | $100.00 | $100.00 | 11/1/2010 4:47:11 PM |
| flwah | $25.00 | $25.00 | 11/2/2010 7:49:02 AM |
| larrybird | $25.00 | $25.00 | 11/2/2010 7:58:03 AM |
| kulender | $50.00 | $50.00 | 11/2/2010 6:20:21 AM |
| economy-producer | $25.00 | $25.00 | 11/2/2010 9:14:04 AM |
| GElender | $50.00 | $16.22 | 11/2/2010 3:32:47 PM |
| Bob450 | $35.00 | $35.00 | 11/2/2010 10:10:51 PM |
| well-mannered-income3 | $30.00 | $30.00 | 11/2/2010 8:18:23 PM |
| btormc5 | $30.00 | $30.00 | 11/3/2010 6:47:05 AM |
| power-secret-agent | $25.00 | $25.00 | 11/3/2010 9:18:15 AM |
| profit-powerplant | $50.00 | $50.00 | 11/3/2010 9:44:38 AM |
| ghinga | $25.00 | $25.00 | 11/3/2010 3:29:15 PM |
| wwwUniversal | $25.00 | $25.00 | 11/3/2010 4:23:26 PM |
| buffalobills | $25.00 | $25.00 | 11/3/2010 4:07:41 PM |
| mckhbnpc | $30.00 | $30.00 | 11/3/2010 4:09:14 PM |
| wlm3012 | $25.00 | $25.00 | 11/3/2010 5:46:02 PM |
| vest_vortex | $25.00 | $25.00 | 11/3/2010 5:33:40 PM |
| credit-sasquatch3 | $32.00 | $32.00 | 11/3/2010 6:43:02 PM |
| credit-missile | $25.00 | $25.00 | 11/3/2010 9:16:41 PM |
| d_grbg | $25.00 | $25.00 | 11/4/2010 1:51:32 AM |
| credit-missile | $25.00 | $25.00 | 11/3/2010 9:17:50 PM |
| newest-famous-velocity | $36.85 | $36.85 | 11/3/2010 10:10:19 PM |
| Bullish | $25.00 | $25.00 | 11/3/2010 11:21:22 PM |
| duty-monger | $50.00 | $50.00 | 11/4/2010 4:44:02 AM |
| billybragg | $25.00 | $25.00 | 11/4/2010 2:20:14 AM |
| capital-kingdom | $50.00 | $50.00 | 11/4/2010 8:36:58 AM |
| checzwick | $25.00 | $25.00 | 11/4/2010 8:19:19 AM |
| DasMula | $25.00 | $25.00 | 11/4/2010 8:34:35 AM |
| DasMula | $25.00 | $25.00 | 11/4/2010 8:34:49 AM |
| 75 bids
|
Borrower Payment Dependent Notes Series
481914
This series of Notes was issued and sold upon the funding of the borrower loan #45188, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $3,000.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.20% |
Auction start date:
| Oct-28-2010 |
| |
Auction end date:
| Nov-04-2010 |
|
|
Starting lender yield:
| 33.35% |
Starting borrower rate/APR:
| 34.35% / 38.06% |
Starting monthly payment:
| $134.61 |
|
Final lender yield:
| 33.35% |
Final borrower rate/APR:
| 34.35% / 38.06% |
Final monthly payment:
| $134.61 |
| |
|
Auction yield range:
| 13.71% - 33.35% |
Estimated loss impact:
| 15.74% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 17.61% | | |
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:
| Jun-1997 |
Debt/Income ratio:
| 31% |
|
Credit score:
| 640-659 (Oct-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 17
/
16 | Length of status: | 9y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 66 |
Occupation: | Computer Programmer |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $43,944 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 98% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| blue-lucrative-exchange |
Borrower's state:
| Missouri |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Need some extra cash.
Purpose of loan:
This loan will be used to pay off some immediate bills.
My financial situation:
I am a good candidate for this loan because I will diligently make each monthly payment as it comes due.? You, the lender are looking for a good investment.? I, the borrower, am looking to get rid of some pending bills.? It's a win/win for both of us.? Also, if you are concerned with an inability to meet my obligation, don't be.? I have yet to be delinquent on a monthly payment and don't intend to start now.? Besides, I would rather pay?the monthly interest to you my good lenders.
Monthly net income: $
4,580 per month.? Also receive a 15,000 YE bonus.
Monthly expenses: $
??Housing: $ 850
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) |
|
| simplelender80 | $200.00 | $200.00 | 10/28/2010 3:06:04 PM |
| radiant-loan5 | $200.00 | $200.00 | 10/28/2010 3:30:59 PM |
| valiant-liberty4 | $25.00 | $25.00 | 10/28/2010 3:32:28 PM |
| suave-dime6 | $25.00 | $25.00 | 10/29/2010 7:08:56 AM |
| Artist_Blue | $25.00 | $25.00 | 10/29/2010 9:31:05 AM |
| velocity-solo | $25.00 | $25.00 | 10/29/2010 9:45:26 AM |
| MM1207 | $25.00 | $25.00 | 10/30/2010 8:10:00 AM |
| handshake5 | $100.00 | $100.00 | 10/30/2010 9:11:03 AM |
| graceful-investment | $100.00 | $100.00 | 10/30/2010 11:31:18 AM |
| beakerfish | $50.00 | $50.00 | 10/30/2010 8:49:31 PM |
| tech310 | $25.00 | $25.00 | 10/31/2010 9:44:05 PM |
| natural-greenback6 | $25.00 | $25.00 | 11/1/2010 11:41:07 AM |
| platinum-celebration4 | $25.00 | $25.00 | 11/1/2010 9:39:59 AM |
| helping-out | $25.00 | $25.00 | 11/1/2010 7:20:27 PM |
| velocity-motivator6 | $25.00 | $25.00 | 11/1/2010 7:08:30 PM |
| greenback-guard | $25.00 | $25.00 | 11/2/2010 1:22:50 PM |
| generous-deal6 | $25.00 | $25.00 | 11/2/2010 3:35:57 PM |
| shmb6508 | $26.55 | $26.55 | 11/2/2010 3:38:45 PM |
| oath163 | $25.00 | $25.00 | 11/2/2010 6:37:19 PM |
| sagan | $25.00 | $25.00 | 11/3/2010 3:41:04 AM |
| worthy-bid8 | $25.00 | $25.00 | 11/3/2010 7:24:20 AM |
| profit-powerplant | $50.00 | $50.00 | 11/3/2010 9:44:41 AM |
| asiaratt | $50.00 | $50.00 | 11/3/2010 2:09:16 PM |
| skuba | $25.00 | $25.00 | 11/3/2010 3:06:02 PM |
| mindful-cash6 | $25.00 | $25.00 | 11/3/2010 3:06:46 PM |
| sturdy-peace9 | $50.00 | $50.00 | 11/4/2010 7:01:11 AM |
| unger | $100.00 | $100.00 | 11/4/2010 4:38:22 AM |
| capital-kingdom | $50.00 | $50.00 | 11/4/2010 8:36:03 AM |
| Leshan | $33.33 | $33.33 | 11/4/2010 9:06:56 AM |
| grampy48 | $25.00 | $25.00 | 11/4/2010 1:01:27 PM |
| dudebrah | $25.00 | $25.00 | 11/4/2010 1:10:51 PM |
| loss-of-control | $50.00 | $50.00 | 11/4/2010 2:26:09 PM |
| parsec9 | $25.00 | $25.00 | 10/29/2010 12:54:12 AM |
| bid-czar8 | $25.00 | $25.00 | 10/29/2010 2:40:45 PM |
| inspiring-reward | $100.00 | $100.00 | 10/29/2010 3:11:54 PM |
| Amber_Stone | $25.00 | $25.00 | 10/29/2010 3:51:27 PM |
| worthy-bid4 | $100.00 | $100.00 | 11/1/2010 3:43:06 PM |
| 108lender | $100.00 | $100.00 | 11/1/2010 4:47:13 PM |
| nickel-hickory | $50.00 | $50.00 | 11/1/2010 6:43:50 PM |
| kulender | $50.00 | $50.00 | 11/2/2010 6:20:22 AM |
| fund-secret-agent | $25.00 | $25.00 | 11/1/2010 11:07:16 PM |
| flwah | $25.00 | $25.00 | 11/2/2010 7:49:03 AM |
| economy-producer | $25.00 | $25.00 | 11/2/2010 9:14:05 AM |
| missing-link | $100.00 | $100.00 | 11/2/2010 2:17:22 PM |
| IIP77 | $25.00 | $25.00 | 11/2/2010 2:59:31 PM |
| larrybird | $150.00 | $150.00 | 11/2/2010 2:59:48 PM |
| NoCal | $30.00 | $30.00 | 11/2/2010 3:01:55 PM |
| Magog12 | $25.00 | $25.00 | 11/2/2010 2:59:02 PM |
| tearingstar | $35.00 | $35.00 | 11/2/2010 3:33:47 PM |
| TakeCare | $50.00 | $50.00 | 11/2/2010 3:38:30 PM |
| platinum-cargo | $50.00 | $50.00 | 11/2/2010 4:49:43 PM |
| best-coin-miser | $25.00 | $25.00 | 11/2/2010 4:31:19 PM |
| Bob450 | $30.00 | $30.00 | 11/2/2010 10:11:44 PM |
| money-bauble | $25.00 | $25.00 | 11/3/2010 1:58:40 AM |
| musegaze | $100.00 | $100.00 | 11/3/2010 3:04:48 PM |
| resplendent-dollar | $25.00 | $25.00 | 11/3/2010 3:06:52 PM |
| Anny-Disco | $25.00 | $25.00 | 11/3/2010 3:05:56 PM |
| teller | $50.00 | $50.00 | 11/3/2010 3:05:52 PM |
| point | $50.00 | $50.00 | 11/3/2010 4:04:17 PM |
| chemistry220 | $50.00 | $45.11 | 11/3/2010 4:21:17 PM |
| checzwick | $25.00 | $25.00 | 11/4/2010 8:20:35 AM |
| Gobsek | $25.00 | $25.00 | 11/4/2010 11:05:11 AM |
| Nerdster1 | $25.01 | $25.01 | 11/4/2010 2:30:03 PM |
| 63 bids
|
Borrower Payment Dependent Notes Series
481990
This series of Notes was issued and sold upon the funding of the borrower loan #45207, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $7,500.00 |
Prosper Rating:
| B |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 5.95% |
Auction start date:
| Oct-28-2010 |
| |
Auction end date:
| Nov-04-2010 |
|
|
Starting lender yield:
| 13.90% |
Starting borrower rate/APR:
| 14.90% / 17.07% |
Starting monthly payment:
| $259.62 |
|
Final lender yield:
| 13.90% |
Final borrower rate/APR:
| 14.90% / 17.07% |
Final monthly payment:
| $259.62 |
| |
|
Auction yield range:
| 5.71% - 13.90% |
Estimated loss impact:
| 6.18% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.72% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented 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-1995 |
Debt/Income ratio:
| 22% |
|
Credit score:
| 740-759 (Oct-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
7 | Length of status: | 3y 1m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 31 |
Occupation: | Sales - Commission |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $383 | Stated income: | $75,000-$99,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 2% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| fairness-buckeye |
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
Paying off personal loan
Purpose of loan:
This loan will be used to?pay?off a personal loan that was borrowed from?a member of my family?
My financial situation:
I am a good candidate for this loan because?I have been at my current employer for 3 years and currently in the process of?receiving a promotion. I had revolving debt in the past and paid off the full balance in a 1.5 year time span. I closed all of my accounts except one and that is down to $375 balance.?My current debts include a car note of $21,000, student loans of $55,000, personal loan of $10,000, and credit card debt of $385. I have never filed for bankruptcy.?
Monthly net income: $ 3800
Monthly expenses: $ 2835
??Housing: $ 350
??Insurance: $ 550
??Car expenses: $ 785
??Utilities: $ 0
??Phone, cable, internet: $ 175
??Food, entertainment: $ 350
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 575
??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
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| thrifty-peso | $25.00 | $25.00 | 10/28/2010 3:07:13 PM |
| museic1 | $25.00 | $25.00 | 10/28/2010 3:08:11 PM |
| bold-durability-drum | $50.00 | $50.00 | 10/28/2010 3:30:36 PM |
| skuba | $25.00 | $25.00 | 10/28/2010 3:31:23 PM |
| handshake5 | $100.00 | $100.00 | 10/28/2010 3:31:41 PM |
| radforj22 | $25.00 | $25.00 | 10/28/2010 3:32:04 PM |
| subtle-revenue0 | $25.00 | $25.00 | 10/28/2010 3:33:23 PM |
| tenacious-compassion9 | $25.00 | $25.00 | 10/28/2010 3:07:05 PM |
| brazilofmux | $100.00 | $100.00 | 10/28/2010 3:34:28 PM |
| miket71 | $68.93 | $68.93 | 10/28/2010 3:09:37 PM |
| best-deal-banker | $25.00 | $25.00 | 10/28/2010 3:46:57 PM |
| teller | $50.00 | $50.00 | 10/28/2010 3:30:06 PM |
| sign_here | $25.00 | $25.00 | 10/28/2010 6:09:13 PM |
| jazzlender | $50.00 | $50.00 | 10/28/2010 3:25:35 PM |
| worldly-community3 | $50.00 | $50.00 | 10/28/2010 6:30:51 PM |
| organized-payment6 | $25.00 | $25.00 | 10/28/2010 3:33:26 PM |
| ray1051 | $25.00 | $25.00 | 10/28/2010 3:30:10 PM |
| shabufa | $50.00 | $50.00 | 10/28/2010 3:35:26 PM |
| natural-affluence4 | $25.00 | $25.00 | 10/28/2010 3:30:53 PM |
| mla | $25.00 | $25.00 | 10/28/2010 10:16:10 PM |
| Preteur | $25.00 | $25.00 | 10/28/2010 11:44:31 PM |
| doncm | $50.00 | $50.00 | 10/28/2010 3:36:01 PM |
| Emerex | $25.00 | $25.00 | 10/29/2010 12:43:04 AM |
| LoveLife45 | $25.00 | $25.00 | 10/29/2010 1:30:03 AM |
| Bank42 | $25.65 | $25.65 | 10/29/2010 1:36:30 AM |
| GeorgiaGator | $50.00 | $50.00 | 10/28/2010 4:06:43 PM |
| kmprospeo | $44.00 | $44.00 | 10/29/2010 1:58:23 AM |
| helpinghand63 | $50.00 | $50.00 | 10/29/2010 1:58:56 AM |
| cello1 | $25.00 | $25.00 | 10/29/2010 2:26:09 AM |
| LoisLoan | $25.00 | $25.00 | 10/28/2010 10:15:39 PM |
| Malkial | $25.00 | $25.00 | 10/29/2010 1:57:22 AM |
| dmfog | $25.00 | $25.00 | 10/29/2010 1:57:43 AM |
| knothead | $25.00 | $25.00 | 10/29/2010 1:57:53 AM |
| platinum-dojo | $25.00 | $25.00 | 10/29/2010 2:18:49 AM |
| QuinMccoy | $50.00 | $50.00 | 10/29/2010 6:52:32 AM |
| aganippe | $25.00 | $25.00 | 10/29/2010 7:01:09 AM |
| green-moola-sniffer | $36.45 | $36.45 | 10/29/2010 8:48:19 AM |
| Jager31 | $25.00 | $25.00 | 10/29/2010 7:29:56 AM |
| velocity-solo | $25.00 | $25.00 | 10/29/2010 9:43:12 AM |
| jga516 | $25.00 | $14.33 | 10/29/2010 9:51:57 AM |
| Barky52 | $25.00 | $25.00 | 10/30/2010 5:37:55 AM |
| dollardave | $100.00 | $100.00 | 10/30/2010 5:01:05 PM |
| lukeskywalkerkp | $40.78 | $40.78 | 10/30/2010 9:04:05 AM |
| Edge-City | $25.00 | $25.00 | 11/1/2010 10:13:58 AM |
| dospapalotes | $25.00 | $25.00 | 11/1/2010 4:53:42 PM |
| credit-panda1 | $25.00 | $25.00 | 11/1/2010 4:56:38 PM |
| bentheretoo | $245.00 | $245.00 | 11/1/2010 6:29:54 PM |
| greenkid | $50.00 | $50.00 | 11/1/2010 9:13:07 PM |
| organized-deal1 | $100.00 | $100.00 | 11/2/2010 7:12:05 AM |
| productive-nickel | $30.00 | $30.00 | 11/2/2010 4:48:16 AM |
| Stillinutah | $25.00 | $25.00 | 11/2/2010 9:41:50 AM |
| spiff666 | $25.00 | $25.00 | 11/2/2010 8:31:42 AM |
| banker366 | $25.00 | $25.00 | 11/2/2010 9:41:39 AM |
| honey-money | $25.00 | $25.00 | 11/2/2010 10:42:34 AM |
| outofoffice | $50.00 | $50.00 | 11/2/2010 10:08:36 AM |
| Cherrypicker | $35.00 | $35.00 | 11/2/2010 10:31:43 AM |
| blue-euro-entrepreneur | $25.00 | $25.00 | 11/2/2010 12:57:26 PM |
| payout-detective7 | $51.81 | $51.81 | 11/2/2010 1:20:27 PM |
| Techne_Funds_LLC | $25.00 | $25.00 | 11/2/2010 4:02:11 PM |
| starry2001 | $25.00 | $25.00 | 11/2/2010 5:02:46 PM |
| redmen93 | $100.00 | $100.00 | 11/2/2010 6:42:15 PM |
| hidavehi | $55.00 | $55.00 | 11/2/2010 6:57:35 PM |
| bear01 | $30.00 | $30.00 | 11/2/2010 9:38:50 PM |
| TravisMcGee | $25.00 | $25.00 | 11/2/2010 9:40:39 PM |
| economy-popcorn | $25.00 | $25.00 | 11/3/2010 7:11:08 AM |
| sosleep | $25.00 | $25.00 | 11/3/2010 9:45:39 AM |
| ethicalhumanist | $50.00 | $50.00 | 11/3/2010 12:50:29 PM |
| squarebob | $25.00 | $25.00 | 11/3/2010 3:51:18 PM |
| lucky2 | $25.00 | $25.00 | 11/3/2010 4:14:02 PM |
| gilbrear | $25.00 | $25.00 | 11/3/2010 4:39:16 PM |
| mgking007 | $25.73 | $25.73 | 11/3/2010 5:32:00 PM |
| worth-excellence4 | $25.00 | $25.00 | 11/3/2010 10:53:24 PM |
| plouie | $25.00 | $25.00 | 11/4/2010 2:34:17 AM |
| Digs | $25.00 | $25.00 | 11/4/2010 12:54:56 AM |
| StrongMonty | $30.00 | $30.00 | 11/4/2010 1:55:01 AM |
| pythia | $25.00 | $25.00 | 11/4/2010 2:50:09 AM |
| engbusres | $41.00 | $41.00 | 11/4/2010 6:31:23 AM |
| Kessler | $28.86 | $28.86 | 11/4/2010 6:42:55 AM |
| trustworthy-finance6 | $150.00 | $150.00 | 11/4/2010 9:52:39 AM |
| peso-fortress | $25.00 | $25.00 | 11/4/2010 8:27:13 AM |
| UBOtto186 | $50.00 | $50.00 | 11/4/2010 9:37:39 AM |
| ccapital | $100.00 | $100.00 | 11/4/2010 10:36:40 AM |
| forthright-trade | $25.00 | $25.00 | 11/4/2010 10:59:08 AM |
| beeper2 | $75.00 | $75.00 | 11/4/2010 10:03:11 AM |
| Boca | $28.00 | $28.00 | 11/4/2010 10:33:26 AM |
| Gobsek | $25.00 | $25.00 | 11/4/2010 10:59:46 AM |
| 2Below | $25.00 | $25.00 | 11/4/2010 11:26:02 AM |
| falcone | $30.00 | $30.00 | 11/4/2010 1:36:13 PM |
| heerzaquestion | $25.00 | $25.00 | 11/4/2010 2:08:50 PM |
| silver-dogwood4 | $25.00 | $25.00 | 11/4/2010 1:18:23 PM |
| sturdy-velocity6 | $50.00 | $50.00 | 11/4/2010 2:15:42 PM |
| income-pizza | $25.00 | $25.00 | 11/4/2010 3:04:24 PM |
| Weaverville | $50.00 | $50.00 | 10/28/2010 3:21:31 PM |
| GElender | $50.00 | $50.00 | 10/28/2010 3:25:02 PM |
| williemc44 | $50.00 | $50.00 | 10/28/2010 3:25:06 PM |
| rescue | $100.00 | $100.00 | 10/28/2010 3:32:16 PM |
| exchange-battalion | $30.00 | $30.00 | 10/28/2010 3:07:01 PM |
| Panna | $25.00 | $25.00 | 10/28/2010 3:07:04 PM |
| rapid-credit428 | $25.00 | $25.00 | 10/28/2010 3:07:40 PM |
| dgallo | $25.00 | $25.00 | 10/28/2010 3:08:18 PM |
| unassassinable | $25.00 | $25.00 | 10/28/2010 3:08:22 PM |
| mjunlimited | $50.00 | $50.00 | 10/28/2010 3:30:16 PM |
| GCInvestments | $25.00 | $25.00 | 10/28/2010 3:31:56 PM |
| rock931 | $25.00 | $25.00 | 10/28/2010 7:45:04 PM |
| ogmanny | $50.00 | $50.00 | 10/28/2010 3:34:10 PM |
| selector568 | $300.00 | $300.00 | 10/28/2010 3:29:27 PM |
| valiant-liberty4 | $25.00 | $25.00 | 10/28/2010 3:35:51 PM |
| BxRealtor | $25.00 | $25.00 | 10/28/2010 3:31:31 PM |
| mizon291 | $50.00 | $50.00 | 10/28/2010 9:59:14 PM |
| lloyd_s | $25.00 | $25.00 | 10/28/2010 10:16:02 PM |
| jdwillcox | $100.00 | $100.00 | 10/28/2010 3:33:14 PM |
| enthralling-deal180 | $50.00 | $50.00 | 10/28/2010 3:33:18 PM |
| witty-principal | $50.00 | $50.00 | 10/28/2010 11:39:30 PM |
| nickel-ferret | $50.00 | $50.00 | 10/28/2010 3:34:42 PM |
| loyalty-sherpa | $50.00 | $50.00 | 10/28/2010 3:35:47 PM |
| narblark | $50.00 | $50.00 | 10/28/2010 3:35:58 PM |
| penny-plato | $25.00 | $25.00 | 10/28/2010 4:06:28 PM |
| AK49-JW | $25.00 | $25.00 | 10/28/2010 4:07:35 PM |
| demoseal | $25.00 | $25.00 | 10/29/2010 1:57:25 AM |
| BlackFred | $25.00 | $25.00 | 10/29/2010 1:57:39 AM |
| the-profit-oracle | $25.00 | $25.00 | 10/29/2010 2:04:21 AM |
| csarradio | $25.00 | $25.00 | 10/29/2010 5:03:31 AM |
| zone6 | $39.50 | $39.50 | 10/28/2010 10:05:22 PM |
| Usurious | $25.00 | $25.00 | 10/28/2010 10:15:44 PM |
| JustMee | $25.00 | $25.00 | 10/28/2010 8:11:02 PM |
| HoyaHeel | $25.00 | $25.00 | 10/29/2010 6:52:35 AM |
| xrycac | $25.00 | $25.00 | 10/29/2010 1:12:37 AM |
| RandyL3 | $25.00 | $25.00 | 10/28/2010 10:17:20 PM |
| RicheyRich | $50.00 | $50.00 | 10/29/2010 8:33:07 AM |
| ccdmp2004 | $25.00 | $25.00 | 10/29/2010 1:59:12 AM |
| logical-reward8 | $25.00 | $25.00 | 10/28/2010 11:40:00 PM |
| jdrez | $25.00 | $25.00 | 10/29/2010 1:29:03 AM |
| Artist_Blue | $25.00 | $25.00 | 10/29/2010 6:03:07 AM |
| studious-bonus7 | $89.30 | $89.30 | 10/29/2010 2:26:35 AM |
| Edwin_Rae | $25.00 | $25.00 | 10/29/2010 6:18:05 AM |
| coin-investor | $25.00 | $25.00 | 10/29/2010 8:48:42 AM |
| forthright-principal2 | $25.00 | $25.00 | 10/29/2010 2:19:21 PM |
| blue-useful-auction | $25.00 | $25.00 | 10/29/2010 9:57:56 AM |
| poetic-diversification | $250.00 | $250.00 | 10/29/2010 4:11:02 PM |
| ixjoec | $30.00 | $30.00 | 10/31/2010 9:20:07 AM |
| ujiba | $48.42 | $48.42 | 10/31/2010 6:50:31 PM |
| CSinvestments | $25.00 | $25.00 | 11/1/2010 5:31:09 PM |
| circustab | $50.00 | $50.00 | 11/1/2010 7:03:30 PM |
| lakrav | $25.00 | $25.00 | 11/2/2010 6:08:23 AM |
| serene-capital | $25.00 | $25.00 | 11/2/2010 2:11:11 AM |
| Loan-Mart | $100.00 | $100.00 | 11/2/2010 8:01:19 AM |
| pinballeffect | $50.00 | $50.00 | 11/2/2010 6:38:51 AM |
| Josphine | $25.00 | $25.00 | 11/2/2010 6:51:21 AM |
| trail8631 | $28.91 | $28.91 | 11/2/2010 7:27:14 AM |
| encore739 | $25.00 | $25.00 | 11/2/2010 8:52:07 AM |
| reflective-rupee | $44.00 | $44.00 | 11/2/2010 12:10:36 PM |
| lulubelle98 | $100.00 | $100.00 | 11/2/2010 10:40:07 AM |
| market-pudding | $25.00 | $25.00 | 11/2/2010 11:43:49 AM |
| greenback-guard | $25.00 | $25.00 | 11/2/2010 1:22:58 PM |
| hookUup | $50.00 | $50.00 | 11/2/2010 1:41:14 PM |
| a-golden-deal | $50.00 | $50.00 | 11/2/2010 2:52:39 PM |
| availableloan | $25.00 | $25.00 | 11/2/2010 6:41:27 PM |
| hawk357 | $30.00 | $30.00 | 11/2/2010 7:32:49 PM |
| Mindful7 | $25.00 | $25.00 | 11/3/2010 4:44:51 AM |
| xlnt-loans | $25.00 | $25.00 | 11/3/2010 4:39:54 AM |
| rdrloan | $37.50 | $37.50 | 11/3/2010 7:24:00 AM |
| UncleSafety | $95.72 | $95.72 | 11/3/2010 7:29:48 AM |
| B1 | $30.00 | $30.00 | 11/3/2010 9:27:56 AM |
| FinanceEngine | $25.00 | $25.00 | 11/3/2010 7:39:02 AM |
| Loansforlife | $25.00 | $25.00 | 11/3/2010 9:10:47 AM |
| rmpedi33 | $50.00 | $50.00 | 11/3/2010 9:59:51 AM |
| BuzzyBee336 | $28.51 | $28.51 | 11/3/2010 11:04:44 AM |
| first-liberty-duckling | $51.60 | $51.60 | 11/3/2010 11:32:41 AM |
| repaymeplease | $25.00 | $25.00 | 11/3/2010 12:24:50 PM |
| xchach1ng | $25.00 | $25.00 | 11/3/2010 2:36:09 PM |
| unfixer | $25.00 | $25.00 | 11/3/2010 3:40:47 PM |
| indomitable-coin | $50.00 | $50.00 | 11/3/2010 4:27:20 PM |
| gjm6d | $25.00 | $25.00 | 11/3/2010 4:38:12 PM |
| LawyerLoan | $25.00 | $25.00 | 11/3/2010 5:09:39 PM |
| upperdeck | $25.00 | $25.00 | 11/4/2010 4:21:51 AM |
| wealthydc | $25.00 | $25.00 | 11/4/2010 1:12:25 AM |
| rockhound84 | $25.00 | $25.00 | 11/4/2010 2:45:35 AM |
| oldman68 | $25.00 | $25.00 | 11/4/2010 4:20:51 AM |
| thrilling-nickel5 | $28.00 | $28.00 | 11/4/2010 4:52:47 AM |
| Leopoldine | $25.00 | $25.00 | 11/4/2010 8:19:11 AM |
| steady-funds3 | $28.00 | $28.00 | 11/4/2010 11:09:39 AM |
| exact-peso2 | $25.00 | $25.00 | 11/4/2010 11:01:18 AM |
| bonus-genius | $25.00 | $25.00 | 11/4/2010 2:07:21 PM |
| tooflets | $25.00 | $25.00 | 11/4/2010 1:22:57 PM |
| 184 bids
|
Borrower Payment Dependent Notes Series
482042
This series of Notes was issued and sold upon the funding of the borrower loan #45210, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $5,000.00 |
Prosper Rating:
| A |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 3.25% |
Auction start date:
| Oct-29-2010 |
| |
Auction end date:
| Nov-02-2010 |
|
|
Starting lender yield:
| 9.55% |
Starting borrower rate/APR:
| 10.55% / 12.66% |
Starting monthly payment:
| $162.63 |
|
Final lender yield:
| 9.55% |
Final borrower rate/APR:
| 10.55% / 12.66% |
Final monthly payment:
| $162.63 |
| |
|
Auction yield range:
| 3.71% - 9.55% |
Estimated loss impact:
| 3.28% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 6.27% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 9 |
First credit line:
| Sep-1983 |
Debt/Income ratio:
| 12% |
|
Credit score:
| 740-759 (Oct-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 9
/
9 | Length of status: | 6y 6m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 30 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $17,400 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 71% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| michiganwolverine |
Borrower's state:
| Illinois |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 24 ( 100% )
| 740-759 (Latest)
|
|
Principal borrowed:
| $1,000.00 | < 31 days late:
| 0
( 0% )
| 740-759
(Oct-2008)
|
|
Principal balance:
| $221.48 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 24 | | |
Description
Dumping My High Interest Bank Card
Purpose of loan:
This loan will be used to?pay?down/off?my LAST REMAINING high-interest-rate credit card.?
My financial situation:
Over the last three years, I have reduced my credit card debt to ZERO on all my other cards other than this one.? (I'll still have mortgage and car, but my aim is no credit card balances.)
I am a good candidate for this loan because ...
?? 1)?? I am a repeat PROSPER customer with?NO MISSED OR LATE PAYMENTS
?? 2)?? I have a?STEADY job in my marketing profession +10 years
?? 3)?? I have taken firm control of my finances through cutting expenses and BUDGETING
?? 4)?? Once I've paid my debts, I plan to HELP OTHERS HELD HOSTAGE by criminally high credit card interest rates
This is my final step to rid myself of this?last?HIGH INTEREST RATE?obligation.
Thanks!
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| GElender | $75.00 | $75.00 | 10/29/2010 2:56:00 PM |
| selector568 | $500.00 | $500.00 | 10/29/2010 3:00:21 PM |
| teller | $50.00 | $50.00 | 10/29/2010 3:02:17 PM |
| jdwillcox | $100.00 | $100.00 | 10/29/2010 3:04:06 PM |
| narblark | $50.00 | $50.00 | 10/29/2010 3:05:36 PM |
| mjunlimited | $50.00 | $50.00 | 10/29/2010 3:02:28 PM |
| natural-affluence4 | $25.00 | $25.00 | 10/29/2010 3:02:47 PM |
| handshake5 | $100.00 | $100.00 | 10/29/2010 3:03:18 PM |
| subtle-revenue0 | $25.00 | $25.00 | 10/29/2010 3:04:33 PM |
| organized-payment6 | $50.00 | $50.00 | 10/29/2010 3:00:30 PM |
| nickel-ferret | $50.00 | $50.00 | 10/29/2010 3:04:59 PM |
| blue-useful-auction | $25.00 | $25.00 | 10/29/2010 5:36:35 PM |
| radforj22 | $25.00 | $25.00 | 10/29/2010 3:03:34 PM |
| doncm | $50.00 | $50.00 | 10/29/2010 3:05:50 PM |
| rekitten | $100.00 | $100.00 | 10/29/2010 6:11:45 PM |
| Ubiquinone | $25.00 | $25.00 | 10/29/2010 4:00:01 PM |
| money-bauble | $25.00 | $25.00 | 10/30/2010 7:38:08 AM |
| Artist_Blue | $25.00 | $25.00 | 10/30/2010 8:18:23 AM |
| riproaringrapids | $25.00 | $25.00 | 10/30/2010 7:00:12 AM |
| heerzaquestion | $25.00 | $25.00 | 10/30/2010 7:54:04 AM |
| MM1207 | $25.00 | $25.00 | 10/30/2010 8:10:21 AM |
| graceful-investment | $100.00 | $100.00 | 10/30/2010 11:31:41 AM |
| laufer32304 | $34.00 | $34.00 | 10/30/2010 12:03:16 PM |
| sign_here | $25.00 | $25.00 | 10/30/2010 2:29:26 PM |
| respectful-integrity3 | $30.00 | $30.00 | 10/30/2010 3:54:29 PM |
| justalender | $25.00 | $25.00 | 10/30/2010 11:22:02 AM |
| Aberdeen | $999.00 | $999.00 | 10/30/2010 11:33:01 AM |
| TheTimeIsNow | $25.00 | $25.00 | 10/30/2010 11:33:34 AM |
| best-deal-banker | $25.00 | $25.00 | 10/30/2010 11:08:10 AM |
| flopcat | $25.00 | $25.00 | 10/30/2010 2:08:03 PM |
| generous-deal6 | $50.00 | $50.00 | 10/30/2010 5:25:28 PM |
| successful-agreement7 | $50.00 | $50.00 | 10/31/2010 12:07:30 PM |
| terryaj | $25.00 | $25.00 | 10/31/2010 12:38:58 PM |
| inspiring-reward | $75.00 | $75.00 | 10/30/2010 7:23:03 PM |
| efficient-treasure0 | $25.00 | $25.00 | 10/31/2010 9:07:41 AM |
| uncleubb | $25.00 | $25.00 | 10/31/2010 2:08:25 PM |
| Mav26 | $55.00 | $55.00 | 10/31/2010 3:22:08 PM |
| casteroil | $50.00 | $50.00 | 10/31/2010 6:45:46 PM |
| Interstate_Rate | $50.00 | $50.00 | 11/1/2010 7:28:29 AM |
| orange-dollar-guild | $25.00 | $25.00 | 11/1/2010 6:58:52 AM |
| schnatty | $25.00 | $25.00 | 11/1/2010 7:03:30 AM |
| indomitable-coin | $50.00 | $38.97 | 11/1/2010 8:58:09 AM |
| Bodyboard | $25.00 | $25.00 | 11/1/2010 2:47:58 PM |
| worth-excellence4 | $25.00 | $25.00 | 11/1/2010 3:29:53 PM |
| atrevete | $26.25 | $26.25 | 11/1/2010 3:39:28 PM |
| CSinvestments | $25.00 | $25.00 | 11/1/2010 5:32:16 PM |
| wwwUniversal | $25.00 | $25.00 | 11/1/2010 7:30:02 PM |
| Tuss12 | $100.00 | $100.00 | 11/1/2010 7:43:53 PM |
| jazzlender | $25.00 | $25.00 | 10/29/2010 2:56:23 PM |
| rescue | $100.00 | $100.00 | 10/29/2010 3:03:46 PM |
| velocity-solo | $25.00 | $25.00 | 10/29/2010 3:08:30 PM |
| Weaverville | $50.00 | $50.00 | 10/29/2010 2:53:30 PM |
| williemc44 | $50.00 | $50.00 | 10/29/2010 2:56:07 PM |
| bold-durability-drum | $50.00 | $50.00 | 10/29/2010 3:02:40 PM |
| skuba | $25.00 | $25.00 | 10/29/2010 3:02:59 PM |
| BxRealtor | $25.00 | $25.00 | 10/29/2010 3:03:07 PM |
| GCInvestments | $25.00 | $25.00 | 10/29/2010 3:03:25 PM |
| ray1051 | $75.00 | $75.00 | 10/29/2010 3:00:53 PM |
| newest-bountiful-basis | $25.00 | $25.00 | 10/29/2010 3:01:05 PM |
| loyalty-sherpa | $50.00 | $50.00 | 10/29/2010 3:05:23 PM |
| enthralling-deal180 | $50.00 | $50.00 | 10/29/2010 3:04:22 PM |
| tolerant-dinero2 | $25.00 | $25.00 | 10/29/2010 3:11:01 PM |
| penny-plato | $25.00 | $25.00 | 10/29/2010 4:23:39 PM |
| platinum-hunter7 | $25.00 | $25.00 | 10/29/2010 5:51:20 PM |
| the-profit-oracle | $25.00 | $25.00 | 10/30/2010 4:07:04 AM |
| studious-bonus7 | $31.63 | $31.63 | 10/30/2010 5:17:19 AM |
| MoneyForNothing | $30.15 | $30.15 | 10/29/2010 10:56:00 PM |
| brazilofmux | $100.00 | $100.00 | 10/30/2010 1:46:01 AM |
| simplelender80 | $100.00 | $100.00 | 10/30/2010 7:47:33 AM |
| elvisloans | $25.00 | $25.00 | 10/30/2010 6:48:55 AM |
| rjleves | $50.00 | $50.00 | 10/30/2010 2:23:42 PM |
| KWarrior | $25.00 | $25.00 | 10/30/2010 11:33:31 AM |
| run_dmc | $100.00 | $100.00 | 10/31/2010 10:23:54 AM |
| tntmojave | $25.00 | $25.00 | 10/31/2010 10:07:00 AM |
| tech310 | $50.00 | $50.00 | 10/31/2010 9:43:21 PM |
| g314 | $30.00 | $30.00 | 10/31/2010 11:48:53 PM |
| alpinaut | $25.00 | $25.00 | 11/1/2010 4:48:48 AM |
| Chesterite | $25.00 | $25.00 | 11/1/2010 11:06:08 AM |
| zevonyc | $25.00 | $25.00 | 11/1/2010 12:48:23 PM |
| bentheretoo | $250.00 | $250.00 | 11/1/2010 6:28:51 PM |
| 80 bids
|
Borrower Payment Dependent Notes Series
482310
This series of Notes was issued and sold upon the funding of the borrower loan #45204, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $12,000.00 |
Prosper Rating:
| B |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 4.95% |
Auction start date:
| Nov-01-2010 |
| |
Auction end date:
| Nov-03-2010 |
|
|
Starting lender yield:
| 16.00% |
Starting borrower rate/APR:
| 17.00% / 19.20% |
Starting monthly payment:
| $427.83 |
|
Final lender yield:
| 12.65% |
Final borrower rate/APR:
| 13.65% / 15.80% |
Final monthly payment:
| $408.09 |
| |
|
Auction yield range:
| 5.71% - 16.00% |
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:
| Mar-1996 |
Debt/Income ratio:
| 19% |
|
Credit score:
| 720-739 (Nov-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 15
/
15 | Length of status: | 4y 2m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 34 |
Occupation: | Professional |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $36,303 | Stated income: | $100,000+ |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 72% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| wndrtigres |
Borrower's state:
| DistrictOfColumbia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 2 |
On-time:
| 10 ( 100% )
| 720-739 (Latest)
|
|
Principal borrowed:
| $17,000.00 | < 31 days late:
| 0
( 0% )
| 700-719
(Dec-2009)
700-719
(Apr-2008)
660-679
(Mar-2007)
|
|
Principal balance:
| $1,497.16 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 10 | | |
Description
Using Prosper to reduce debt
Purpose of loan:
I have used Prosper before to pay off credit cards and I have enjoyed the experience.? The rates I get are much lower and as a result I have been able to reduce my debt load.? I like the three year terms on Prosper because it means that I have a forced payoff date.? From my last listing in December, I have reduced my credit card balances by ~$8,000.? My goal is to become debt free.
My financial situation:
As you can see, I have a great Prosper score and my credit score has improved since my last loan on prosper.? I have reduced my credit cards and no longer use them.? I have become a cash only household.? I have a blog on how I have reduced my debt.? I currently have no children and I have started renting out an extra room in my house to have additional cash flow.? I have no other major expenses.? My car is paid for and I maintain it in great condition so that I don't have to buy another one.? I use coupons at the grocery, I use FreeCycle for anything I might need and have learned to live with less.? I am happy to answer any questions you might have!
Monthly net income: $
$6000
Monthly expenses: $
??Housing: $ 2700
??Insurance: $ 50 month/car - Home insurance is included in the total above
??Car expenses: $ 0 - my car is paid for
??Utilities: $
200
??Phone, cable, internet: $
150
??Food, entertainment: $
200
??Clothing, household expenses $
300
??Credit cards and other loans: $ 1500 - this includes my student loans, other Prosper loan and credit cards
??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) |
|
| FmrEngr2Phd | $25.00 | $25.00 | 11/1/2010 3:02:54 PM |
| HedgeFund | $50.00 | $50.00 | 11/1/2010 3:03:49 PM |
| ualf | $50.00 | $50.00 | 11/1/2010 3:03:56 PM |
| vkm2000 | $25.00 | $25.00 | 11/1/2010 3:05:05 PM |
| thoughtful-community7 | $25.00 | $25.00 | 11/1/2010 3:05:13 PM |
| captainack | $50.00 | $50.00 | 11/1/2010 3:05:25 PM |
| Sang1963 | $50.00 | $50.00 | 11/1/2010 3:05:45 PM |
| Hiro07 | $25.00 | $25.00 | 11/1/2010 3:05:52 PM |
| Plotinus | $50.00 | $50.00 | 11/1/2010 3:06:02 PM |
| Bendistraw | $50.00 | $50.00 | 11/1/2010 3:06:10 PM |
| GElender | $75.00 | $75.00 | 11/1/2010 3:06:51 PM |
| IP | $50.00 | $50.00 | 11/1/2010 3:07:29 PM |
| generous-deal6 | $50.00 | $50.00 | 11/1/2010 3:03:15 PM |
| handshake5 | $100.00 | $100.00 | 11/1/2010 3:24:28 PM |
| Ripsaw4U | $50.00 | $50.00 | 11/1/2010 3:04:01 PM |
| cash-merry-maker | $25.00 | $25.00 | 11/1/2010 3:04:09 PM |
| authoritative-capital | $25.00 | $25.00 | 11/1/2010 3:04:12 PM |
| snappy | $50.00 | $50.00 | 11/1/2010 3:04:22 PM |
| jdwillcox | $100.00 | $100.00 | 11/1/2010 3:26:27 PM |
| riproaringrapids | $25.00 | $25.00 | 11/1/2010 3:04:54 PM |
| Dweeberkitty1 | $25.00 | $25.00 | 11/1/2010 3:05:15 PM |
| relentless-gain7 | $50.00 | $50.00 | 11/1/2010 3:05:55 PM |
| upbeat-investment9 | $50.00 | $50.00 | 11/1/2010 3:06:17 PM |
| williemc44 | $50.00 | $50.00 | 11/1/2010 3:07:07 PM |
| jigsaw | $100.00 | $100.00 | 11/1/2010 3:08:37 PM |
| taurusco | $50.00 | $50.00 | 11/1/2010 3:08:49 PM |
| MadHun | $75.00 | $75.00 | 11/1/2010 3:03:43 PM |
| FadSaolAgat | $50.00 | $50.00 | 11/1/2010 3:03:59 PM |
| EricLender | $25.00 | $25.00 | 11/1/2010 3:04:13 PM |
| tsui517 | $25.00 | $25.00 | 11/1/2010 3:04:28 PM |
| greenbacchus | $25.00 | $25.00 | 11/1/2010 3:04:47 PM |
| victorcab | $42.46 | $42.46 | 11/1/2010 3:05:11 PM |
| pdx71 | $50.00 | $50.00 | 11/1/2010 3:05:28 PM |
| upbeat-fund | $25.00 | $25.00 | 11/1/2010 3:05:36 PM |
| Marathoner | $25.00 | $25.00 | 11/1/2010 3:06:15 PM |
| loan-mammal | $25.00 | $25.00 | 11/1/2010 3:06:30 PM |
| rmachi | $25.00 | $25.00 | 11/1/2010 3:34:32 PM |
| ray1051 | $25.00 | $25.00 | 11/1/2010 3:20:52 PM |
| Weaverville | $50.00 | $50.00 | 11/1/2010 3:37:16 PM |
| DDPrime | $100.00 | $100.00 | 11/1/2010 3:20:33 PM |
| Interstate_Rate | $50.00 | $50.00 | 11/1/2010 3:38:34 PM |
| Artist_Blue | $25.00 | $25.00 | 11/1/2010 3:39:51 PM |
| GCInvestments | $25.00 | $25.00 | 11/1/2010 3:25:06 PM |
| YLlama | $25.00 | $25.00 | 11/1/2010 3:57:24 PM |
| funnymoney1 | $25.00 | $25.00 | 11/1/2010 3:57:31 PM |
| spqrxxi | $50.00 | $50.00 | 11/1/2010 3:57:35 PM |
| GottaWearShades | $50.00 | $50.00 | 11/1/2010 3:57:59 PM |
| Akkon | $31.67 | $31.67 | 11/1/2010 3:58:46 PM |
| simplelender80 | $100.00 | $100.00 | 11/1/2010 3:33:34 PM |
| porter22 | $25.00 | $25.00 | 11/1/2010 4:00:43 PM |
| cxl9 | $50.00 | $50.00 | 11/1/2010 4:01:12 PM |
| efficient-treasure0 | $25.00 | $25.00 | 11/1/2010 4:02:18 PM |
| Unclejohn | $35.00 | $35.00 | 11/1/2010 4:02:46 PM |
| SpectrumCen | $30.00 | $30.00 | 11/1/2010 4:03:03 PM |
| smog13 | $25.00 | $25.00 | 11/1/2010 4:03:17 PM |
| Dubbs360 | $50.00 | $50.00 | 11/1/2010 4:03:30 PM |
| Charlieofalbany | $25.00 | $25.00 | 11/1/2010 4:03:35 PM |
| robocop | $50.00 | $50.00 | 11/1/2010 4:03:43 PM |
| jbrel | $50.00 | $50.00 | 11/1/2010 4:03:51 PM |
| rjleves | $50.00 | $50.00 | 11/1/2010 3:35:06 PM |
| jamiee73 | $25.00 | $25.00 | 11/1/2010 4:04:26 PM |
| thunderd | $25.00 | $25.00 | 11/1/2010 4:04:42 PM |
| don8ter | $25.00 | $25.00 | 11/1/2010 4:05:54 PM |
| joshua18 | $25.00 | $25.00 | 11/1/2010 4:06:05 PM |
| Relevance | $25.00 | $25.00 | 11/1/2010 4:06:21 PM |
| wings2fly | $25.00 | $25.00 | 11/1/2010 4:06:55 PM |
| maldok1 | $25.00 | $25.00 | 11/1/2010 4:07:13 PM |
| MM1207 | $25.00 | $25.00 | 11/1/2010 3:33:47 PM |
| peb44 | $25.00 | $25.00 | 11/1/2010 4:07:32 PM |
| flopcat | $25.00 | $25.00 | 11/1/2010 3:34:36 PM |
| fishintime | $25.00 | $25.00 | 11/1/2010 3:39:34 PM |
| cocopuffs | $25.00 | $25.00 | 11/1/2010 3:37:49 PM |
| ommcd | $25.00 | $25.00 | 11/1/2010 3:37:53 PM |
| power-stream2 | $25.00 | $25.00 | 11/1/2010 3:57:26 PM |
| E_G | $50.00 | $50.00 | 11/1/2010 3:57:37 PM |
| haplender | $50.00 | $50.00 | 11/1/2010 3:57:42 PM |
| gobot | $50.00 | $50.00 | 11/1/2010 3:57:56 PM |
| Beeeej | $25.00 | $25.00 | 11/1/2010 3:58:27 PM |
| efficient-marketplace | $50.00 | $50.00 | 11/1/2010 3:58:34 PM |
| fly99 | $50.00 | $50.00 | 11/1/2010 3:59:23 PM |
| gopbernie | $25.00 | $25.00 | 11/1/2010 4:00:55 PM |
| balanced-rupee | $50.00 | $50.00 | 11/1/2010 4:01:15 PM |
| titan1 | $25.00 | $25.00 | 11/1/2010 4:02:53 PM |
| self-reliant-integrity0 | $31.46 | $31.46 | 11/1/2010 4:03:00 PM |
| buckyhead2000 | $25.00 | $25.00 | 11/1/2010 4:03:37 PM |
| busybee007 | $25.00 | $25.00 | 11/1/2010 4:03:46 PM |
| GreenNotes | $36.00 | $36.00 | 11/1/2010 4:04:33 PM |
| money-corps8 | $59.00 | $59.00 | 11/1/2010 4:04:44 PM |
| successful-agreement7 | $50.00 | $50.00 | 11/1/2010 4:05:50 PM |
| JohnGalt94 | $25.00 | $25.00 | 11/1/2010 4:06:17 PM |
| delicious-social132 | $50.00 | $50.00 | 11/1/2010 4:06:30 PM |
| twirl2 | $41.74 | $41.74 | 11/1/2010 3:57:05 PM |
| bid-czar8 | $50.00 | $50.00 | 11/1/2010 4:06:38 PM |
| scottssm | $38.00 | $38.00 | 11/1/2010 3:57:22 PM |
| vigorous-velocity | $100.00 | $100.00 | 11/1/2010 4:06:52 PM |
| a-social-nebula | $25.00 | $25.00 | 11/1/2010 3:57:40 PM |
| Railbird | $25.00 | $25.00 | 11/1/2010 4:07:04 PM |
| supersarah61 | $25.00 | $25.00 | 11/1/2010 4:07:35 PM |
| Dahlozer | $50.00 | $50.00 | 11/1/2010 3:58:54 PM |
| neutrino6 | $25.00 | $4.27 | 11/1/2010 4:07:41 PM |
| bbrelo | $25.00 | $25.00 | 11/1/2010 4:00:46 PM |
| doc1 | $50.00 | $50.00 | 11/1/2010 4:01:19 PM |
| econwhiz | $50.00 | $50.00 | 11/1/2010 4:02:45 PM |
| LOANMAN614 | $50.00 | $50.00 | 11/1/2010 4:02:59 PM |
| tearingstar | $25.00 | $25.00 | 11/1/2010 4:03:18 PM |
| Tasmir | $25.00 | $25.00 | 11/1/2010 4:03:34 PM |
| credit-scout7 | $33.91 | $33.91 | 11/1/2010 4:03:41 PM |
| auction-elvis | $25.00 | $25.00 | 11/1/2010 4:04:00 PM |
| Prof1 | $25.00 | $25.00 | 11/1/2010 4:04:38 PM |
| asset-professor | $50.00 | $50.00 | 11/1/2010 4:06:03 PM |
| Strato | $25.00 | $25.00 | 11/1/2010 4:06:19 PM |
| payout-achievement | $100.00 | $100.00 | 11/1/2010 4:06:49 PM |
| penny-plato | $100.00 | $100.00 | 11/1/2010 5:17:49 PM |
| 108lender | $150.00 | $150.00 | 11/1/2010 4:46:37 PM |
| graceful-investment | $28.89 | $28.89 | 11/1/2010 5:27:43 PM |
| Franchiseguy | $50.00 | $50.00 | 11/1/2010 10:02:28 PM |
| rescue | $100.00 | $100.00 | 11/1/2010 6:44:12 PM |
| fmvaulter | $25.00 | $25.00 | 11/2/2010 6:04:28 AM |
| heerzaquestion | $25.00 | $25.00 | 11/2/2010 6:28:29 AM |
| lloyd_s | $25.00 | $25.00 | 11/2/2010 1:34:10 AM |
| worth-victor6 | $25.00 | $25.00 | 11/2/2010 1:47:41 AM |
| respectful-credit3 | $25.00 | $25.00 | 11/2/2010 3:34:21 AM |
| Malkial | $25.00 | $25.00 | 11/2/2010 5:32:41 AM |
| balanced-bill7 | $50.00 | $50.00 | 11/2/2010 7:28:28 AM |
| Prosp_Lender | $25.00 | $25.00 | 11/2/2010 10:15:52 AM |
| valiant-liberty4 | $25.00 | $25.00 | 11/2/2010 9:13:34 AM |
| Aristocrat | $25.00 | $25.00 | 11/2/2010 10:50:09 AM |
| inspired-investment8 | $50.00 | $50.00 | 11/2/2010 8:59:28 AM |
| wlm3012 | $25.00 | $25.00 | 11/2/2010 10:51:24 AM |
| dgallo | $25.00 | $25.00 | 11/2/2010 12:29:50 PM |
| reflective-rupee | $44.00 | $44.00 | 11/2/2010 12:14:24 PM |
| Chesterite | $50.00 | $50.00 | 11/2/2010 1:53:43 PM |
| money-bauble | $25.00 | $25.00 | 11/2/2010 2:59:52 PM |
| missing-link | $50.00 | $50.00 | 11/2/2010 4:00:47 PM |
| bentheretoo | $125.00 | $125.00 | 11/2/2010 6:57:41 PM |
| 420limo | $25.00 | $25.00 | 11/2/2010 4:15:46 PM |
| adventure0 | $100.00 | $100.00 | 11/2/2010 6:00:00 PM |
| investment-comet | $25.00 | $25.00 | 11/2/2010 9:15:01 PM |
| comet55 | $25.00 | $25.00 | 11/2/2010 6:44:02 PM |
| fairness-kayak | $50.00 | $50.00 | 11/1/2010 3:02:56 PM |
| C_Mark | $100.00 | $100.00 | 11/1/2010 3:03:31 PM |
| point-shooter | $50.00 | $50.00 | 11/1/2010 3:03:50 PM |
| LendDoc | $50.00 | $50.00 | 11/1/2010 3:04:21 PM |
| well-mannered-marketplace5 | $25.00 | $25.00 | 11/1/2010 3:04:51 PM |
| Savings_EQ_Dignity | $30.00 | $30.00 | 11/1/2010 3:05:08 PM |
| green-unassailable-investment | $25.00 | $25.00 | 11/1/2010 3:05:21 PM |
| healthy-commerce | $50.00 | $50.00 | 11/1/2010 3:05:43 PM |
| hs112a | $50.00 | $50.00 | 11/1/2010 3:05:48 PM |
| helpu88 | $43.13 | $43.13 | 11/1/2010 3:05:58 PM |
| RMB-Investments | $50.00 | $50.00 | 11/1/2010 3:06:06 PM |
| Purple11 | $50.00 | $50.00 | 11/1/2010 3:07:47 PM |
| bonus-poplar2 | $50.00 | $50.00 | 11/1/2010 3:08:10 PM |
| natural-affluence4 | $25.00 | $25.00 | 11/1/2010 3:22:10 PM |
| skuba | $25.00 | $25.00 | 11/1/2010 3:23:23 PM |
| mtquan | $25.00 | $25.00 | 11/1/2010 3:03:38 PM |
| carlover | $25.00 | $25.00 | 11/1/2010 3:04:04 PM |
| Dutchhunter | $50.00 | $50.00 | 11/1/2010 3:04:10 PM |
| icontender | $25.00 | $25.00 | 11/1/2010 3:04:19 PM |
| infinitykid | $25.00 | $25.00 | 11/1/2010 3:04:45 PM |
| Adam_00 | $50.00 | $50.00 | 11/1/2010 3:04:57 PM |
| jrbill1998 | $50.00 | $50.00 | 11/1/2010 3:05:18 PM |
| yield-lion | $50.00 | $50.00 | 11/1/2010 3:05:50 PM |
| smallfry | $25.00 | $25.00 | 11/1/2010 3:06:00 PM |
| cash-boots | $25.00 | $25.00 | 11/1/2010 3:06:12 PM |
| authentic-liberty7 | $25.00 | $25.00 | 11/1/2010 3:08:13 PM |
| Gibbyland | $50.00 | $50.00 | 11/1/2010 3:08:40 PM |
| schpere | $100.00 | $100.00 | 11/1/2010 3:03:41 PM |
| Tapu22 | $50.00 | $50.00 | 11/1/2010 3:04:03 PM |
| WarmWeather | $50.00 | $50.00 | 11/1/2010 3:04:23 PM |
| BzJ108 | $25.00 | $25.00 | 11/1/2010 3:04:31 PM |
| money-explorer3 | $25.00 | $25.00 | 11/1/2010 3:04:41 PM |
| green-planet-guy | $31.00 | $31.00 | 11/1/2010 3:05:02 PM |
| brilliant-revenue | $25.00 | $25.00 | 11/1/2010 3:05:32 PM |
| compwhiz | $25.00 | $25.00 | 11/1/2010 3:05:40 PM |
| greenback-bull6 | $50.00 | $50.00 | 11/1/2010 3:06:20 PM |
| dospapalotes | $50.00 | $50.00 | 11/1/2010 3:07:43 PM |
| chestnut4 | $25.00 | $25.00 | 11/1/2010 3:08:44 PM |
| mjunlimited | $50.00 | $50.00 | 11/1/2010 3:20:56 PM |
| bold-durability-drum | $50.00 | $50.00 | 11/1/2010 3:21:51 PM |
| indomitable-coin | $50.00 | $50.00 | 11/1/2010 3:39:20 PM |
| enthralling-deal180 | $50.00 | $50.00 | 11/1/2010 3:27:02 PM |
| organized-payment6 | $25.00 | $25.00 | 11/1/2010 3:27:23 PM |
| nickel-ferret | $50.00 | $50.00 | 11/1/2010 3:27:48 PM |
| loyalty-sherpa | $50.00 | $50.00 | 11/1/2010 3:28:37 PM |
| narblark | $50.00 | $50.00 | 11/1/2010 3:28:54 PM |
| larrybird | $150.00 | $150.00 | 11/1/2010 3:42:51 PM |
| Blends | $50.00 | $50.00 | 11/1/2010 3:57:14 PM |
| 1C3BURG | $50.00 | $50.00 | 11/1/2010 3:57:28 PM |
| loan-squadron | $25.00 | $25.00 | 11/1/2010 3:57:52 PM |
| SelectTrustLending | $25.00 | $25.00 | 11/1/2010 4:02:42 PM |
| TeamRamRod | $42.17 | $42.17 | 11/1/2010 4:02:54 PM |
| alcyon | $25.00 | $25.00 | 11/1/2010 4:03:05 PM |
| gold-sushi | $25.00 | $25.00 | 11/1/2010 4:03:20 PM |
| promise2 | $50.00 | $50.00 | 11/1/2010 4:03:32 PM |
| mrpowers5531 | $25.00 | $25.00 | 11/1/2010 4:03:48 PM |
| icecoldcash | $50.00 | $50.00 | 11/1/2010 4:04:03 PM |
| TheoProf | $50.00 | $50.00 | 11/1/2010 3:32:31 PM |
| upbeat-principal | $25.00 | $25.00 | 11/1/2010 4:06:01 PM |
| auction-formula | $134.55 | $134.55 | 11/1/2010 4:06:07 PM |
| Ocean713 | $50.00 | $50.00 | 11/1/2010 4:06:14 PM |
| jeg3k | $50.00 | $50.00 | 11/1/2010 4:06:47 PM |
| Gabriel02 | $25.00 | $25.00 | 11/1/2010 4:07:01 PM |
| Clambake | $50.00 | $50.00 | 11/1/2010 4:07:17 PM |
| Quiddity | $50.00 | $50.00 | 11/1/2010 4:07:23 PM |
| BaxterEvil | $25.00 | $25.00 | 11/1/2010 3:35:08 PM |
| tech310 | $50.00 | $50.00 | 11/1/2010 3:37:34 PM |
| tolerant-dinero2 | $25.00 | $25.00 | 11/1/2010 3:41:42 PM |
| teller | $50.00 | $50.00 | 11/1/2010 3:41:45 PM |
| buddylucy | $25.00 | $25.00 | 11/1/2010 3:57:20 PM |
| Stamp79 | $25.00 | $25.00 | 11/1/2010 3:57:34 PM |
| saltymt | $25.00 | $25.00 | 11/1/2010 3:58:01 PM |
| smilinguy | $25.00 | $25.00 | 11/1/2010 3:58:31 PM |
| silver-boots | $25.00 | $25.00 | 11/1/2010 3:59:21 PM |
| KileNSmyth4 | $50.00 | $50.00 | 11/1/2010 4:01:05 PM |
| freetimeskier | $50.00 | $50.00 | 11/1/2010 4:02:57 PM |
| kfi805 | $50.00 | $50.00 | 11/1/2010 4:03:25 PM |
| sophisticated-economy8 | $25.00 | $25.00 | 11/1/2010 4:03:40 PM |
| cropdust3r | $50.00 | $50.00 | 11/1/2010 4:03:49 PM |
| Ivan2007 | $41.92 | $41.92 | 11/1/2010 4:04:16 PM |
| lobstahlender | $25.00 | $25.00 | 11/1/2010 4:04:36 PM |
| BuffetRocks | $50.00 | $50.00 | 11/1/2010 4:05:57 PM |
| elegant-bonus | $25.00 | $25.00 | 11/1/2010 4:06:25 PM |
| ichibon | $150.00 | $150.00 | 11/1/2010 4:06:33 PM |
| shrewd-value | $25.00 | $25.00 | 11/1/2010 3:57:17 PM |
| Sevron | $100.00 | $100.00 | 11/1/2010 4:06:41 PM |
| Jasper | $25.00 | $25.00 | 11/1/2010 3:57:39 PM |
| FigTree | $50.00 | $50.00 | 11/1/2010 4:06:58 PM |
| kia777 | $50.00 | $50.00 | 11/1/2010 3:58:04 PM |
| crenen139 | $25.00 | $25.00 | 11/1/2010 4:07:08 PM |
| Tallac-Capital | $26.47 | $26.47 | 11/1/2010 3:58:17 PM |
| techvet | $50.00 | $50.00 | 11/1/2010 4:07:37 PM |
| jaycro | $50.00 | $50.00 | 11/1/2010 3:59:24 PM |
| worthy-bid8 | $100.00 | $100.00 | 11/1/2010 4:00:19 PM |
| Investoman | $25.00 | $25.00 | 11/1/2010 4:00:49 PM |
| Diver26 | $25.00 | $25.00 | 11/1/2010 4:01:01 PM |
| BigLinCT | $25.00 | $25.00 | 11/1/2010 4:02:55 PM |
| bank-o-nate | $50.00 | $50.00 | 11/1/2010 4:03:14 PM |
| Riccous | $50.00 | $50.00 | 11/1/2010 4:03:57 PM |
| zrohmm | $25.00 | $25.00 | 11/1/2010 4:04:13 PM |
| layzboy | $50.00 | $50.00 | 11/1/2010 4:04:40 PM |
| honorable-yield | $35.00 | $35.00 | 11/1/2010 4:05:59 PM |
| russm011 | $25.00 | $25.00 | 11/1/2010 4:06:12 PM |
| orangetrust | $100.00 | $100.00 | 11/1/2010 4:06:45 PM |
| TakeCare | $80.00 | $80.00 | 11/1/2010 4:06:53 PM |
| inspiring-reward | $75.00 | $75.00 | 11/1/2010 4:14:15 PM |
| CSinvestments | $25.00 | $25.00 | 11/1/2010 5:35:39 PM |
| JustMee | $25.00 | $25.00 | 11/1/2010 6:18:31 PM |
| rapid-credit428 | $25.00 | $25.00 | 11/1/2010 6:40:16 PM |
| jazzlender | $50.00 | $50.00 | 11/1/2010 6:38:10 PM |
| tenacious-compassion9 | $25.00 | $25.00 | 11/1/2010 6:40:07 PM |
| Tuss12 | $100.00 | $100.00 | 11/1/2010 7:22:51 PM |
| honey-money | $25.00 | $25.00 | 11/1/2010 8:12:02 PM |
| LendingSingularity | $50.00 | $50.00 | 11/1/2010 9:04:41 PM |
| reflective-cash0 | $75.00 | $75.00 | 11/2/2010 5:56:28 AM |
| junes08 | $29.23 | $29.23 | 11/2/2010 1:52:18 AM |
| integrity-doctor | $100.00 | $100.00 | 11/2/2010 6:37:37 AM |
| loanman2007 | $100.00 | $100.00 | 11/2/2010 4:51:10 AM |
| doncm | $50.00 | $50.00 | 11/2/2010 5:31:48 AM |
| jdrez | $25.00 | $25.00 | 11/2/2010 6:10:50 AM |
| icchok | $50.00 | $50.00 | 11/2/2010 6:12:46 AM |
| orange-dollar-guild | $25.00 | $25.00 | 11/2/2010 6:28:42 AM |
| vibraphone3 | $50.00 | $50.00 | 11/2/2010 8:59:07 AM |
| Loan-Mart | $100.00 | $100.00 | 11/2/2010 11:24:45 AM |
| outofoffice | $75.13 | $75.13 | 11/2/2010 10:06:23 AM |
| museic1 | $25.00 | $25.00 | 11/2/2010 10:49:31 AM |
| grampy48 | $50.00 | $50.00 | 11/2/2010 12:08:21 PM |
| the-profit-oracle | $25.00 | $25.00 | 11/2/2010 12:42:05 PM |
| hookUup | $200.00 | $200.00 | 11/2/2010 1:51:15 PM |
| chlebie | $50.00 | $50.00 | 11/2/2010 4:07:01 PM |
| ddamenace | $75.00 | $75.00 | 11/2/2010 8:13:40 PM |
| hope-lionheart1 | $25.00 | $25.00 | 11/2/2010 7:46:40 PM |
| best-coin-miser | $25.00 | $25.00 | 11/3/2010 2:03:17 AM |
| 272 bids
|
Borrower Payment Dependent Notes Series
482552
This series of Notes was issued and sold upon the funding of the borrower loan #45185, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $2,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.80% |
Auction start date:
| Nov-02-2010 |
| |
Auction end date:
| Nov-05-2010 |
|
|
Starting lender yield:
| 26.50% |
Starting borrower rate/APR:
| 27.50% / 31.05% |
Starting monthly payment:
| $82.19 |
|
Final lender yield:
| 26.50% |
Final borrower rate/APR:
| 27.50% / 31.05% |
Final monthly payment:
| $82.19 |
| |
|
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):
| 7 |
First credit line:
| Mar-1977 |
Debt/Income ratio:
| 2% |
|
Credit score:
| 660-679 (Oct-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 0
/
0 | Length of status: | 27y 8m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 44 |
Occupation: | Computer Programmer |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $0 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 7 |
Bankcard utilization:
| 0% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| IBudgetMyMoney86 |
Borrower's state:
| Alabama |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Pay off two loans.
My wife and I have two loans that we want to pay off?at high interest rates.?
My wife and I follow a budget every month and we make our payments on time.
My Total Income for the Month is:? $4,109.00
My Total Expenses for the Month is:? $2,878.00
Mortgage Payment for the Month:? $1,712.00
Car Insurance for the Month:? $117.00
Food Costs for the Month:?$250.00
Two Personal Loan Payments for the Month:? $301.00?? (We want to Pay Off)
Auto Expenses for the Month:? $150.00
Utilities for Home for the Month:? $150.00
Cable and Phone and Internet?for the Month:? $109.00
Cell Phone for the Month:? $89.00
Balance Left at end of Month:? $1,231.00
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
If you have $1,200 per month of positive cash flow, why not just pay the personal loans off in about two months? - CPAecs
A:
My wife and I have been using the positive cash flow to help fight her Crohn's Disease. My wife has had this disease her entire life and we did not discover she had the disease until the year 1993 seven years after we married in the year 1986. She has not been able to work our entire marriage. I have to save this positive cash flow because we do not know when another large attack will occur causing her obstructions and a huge doctor and hospital bill.
The disease has led to huge bills!
(Nov-03-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| successful-agreement7 | $100.00 | $100.00 | 11/2/2010 3:28:22 PM |
| missing-link | $100.00 | $100.00 | 11/2/2010 3:31:50 PM |
| radiant-loan5 | $200.00 | $200.00 | 11/2/2010 3:50:44 PM |
| velocity-solo | $25.00 | $25.00 | 11/2/2010 3:56:51 PM |
| transaction-circuit | $50.00 | $50.00 | 11/2/2010 3:51:35 PM |
| simplelender80 | $200.00 | $200.00 | 11/2/2010 3:52:49 PM |
| platinum-celebration4 | $25.00 | $25.00 | 11/2/2010 3:56:24 PM |
| bid-czar8 | $50.00 | $50.00 | 11/2/2010 3:59:02 PM |
| SolarMoonshine | $25.00 | $25.00 | 11/2/2010 5:43:06 PM |
| kulender | $50.00 | $50.00 | 11/3/2010 9:54:00 AM |
| hopethisworks | $25.00 | $25.00 | 11/3/2010 10:08:22 AM |
| Thylow | $500.00 | $500.00 | 11/3/2010 1:21:21 PM |
| precious-coin3 | $25.00 | $25.00 | 11/4/2010 3:33:27 PM |
| EngineersAlliance | $75.00 | $75.00 | 11/5/2010 2:58:00 AM |
| stephen_c01 | $25.00 | $25.00 | 11/5/2010 2:26:24 AM |
| tech310 | $25.00 | $25.00 | 11/2/2010 3:35:04 PM |
| Artist_Blue | $25.00 | $25.00 | 11/2/2010 3:55:52 PM |
| valiant-liberty4 | $25.00 | $25.00 | 11/2/2010 3:57:07 PM |
| randsenterprise | $25.00 | $25.00 | 11/3/2010 1:29:14 AM |
| elegant-bonus | $25.00 | $25.00 | 11/3/2010 5:03:01 AM |
| ambmba | $25.00 | $25.00 | 11/3/2010 5:18:30 AM |
| scoobiedoo | $50.00 | $50.00 | 11/3/2010 9:50:26 AM |
| donlenboy | $33.38 | $33.38 | 11/3/2010 10:13:49 AM |
| daekpon | $25.00 | $25.00 | 11/3/2010 9:54:16 AM |
| DHolly | $30.00 | $30.00 | 11/3/2010 10:58:44 AM |
| inspiring-reward | $100.00 | $12.06 | 11/3/2010 4:19:36 PM |
| WisconsinLiberal | $25.00 | $25.00 | 11/4/2010 3:55:19 PM |
| wwwUniversal | $25.00 | $25.00 | 11/5/2010 2:58:01 AM |
| interstellar | $50.00 | $50.00 | 11/5/2010 2:57:56 AM |
| Alwayssail | $25.00 | $25.00 | 11/5/2010 7:04:18 AM |
| Faith | $99.56 | $99.56 | 11/5/2010 4:30:41 AM |
| 31 bids
|
Borrower Payment Dependent Notes Series
480265
This series of Notes was issued and sold upon the funding of the borrower loan #45202, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $7,500.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 18.30% |
Auction start date:
| Oct-19-2010 |
| |
Auction end date:
| Oct-26-2010 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 38.72% |
Starting monthly payment:
| $339.27 |
|
Final lender yield:
| 34.00% |
Final borrower rate/APR:
| 35.00% / 38.72% |
Final monthly payment:
| $339.27 |
| |
|
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-2006 |
Debt/Income ratio:
| 23% |
|
Credit score:
| 660-679 (Oct-2010) |
Inquiries last 6m:
| 0 | Employment status: | Other |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 8
/
8 | Length of status: | 7y 7m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 8 | Stated income: | $50,000-$74,999 |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $2,948 | |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 82% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| Mozey |
Borrower's state:
| NewYork |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 34 ( 97% )
| 660-679 (Latest)
|
|
Principal borrowed:
| $16,000.00 | < 31 days late:
| 1
( 3% )
| 760-779
(Jun-2007)
660-679
(Apr-2007)
|
|
Principal balance:
| $0.00 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 35 | | |
Description
Secure income, second loan.
Hi my name is Elizabeth I am 28 years old and thank you for viewing my listing. I believe I am a good candidate for this loan because I have a secure income, and I have paid off one Prosper loan already.Purpose of loan: This loan will go to finish the basement in?my house, which I purchased in a short sale 2 years ago. I bought this?house mainly due to the fact that I had been moving around for the 3 years prior to renting it, and had some stablity here. I love the community, I can walk my dogs, get around by car with ease, it's quiet and safe. Being I was renting the house while it went up for sale, I had the inside track and was able to buy it at what right now, is still a steal. The only issue was the basement was never finished and I hoping?now is the time I can get it done. Not only is this something I have been wanting to get done, it's something I need to get done as well. Some of the insulation?is starting to droop, the water heater is exposed to cold temperatures, so during the winter it can take a while to heat up, which also waste propane. Getting the basement finished will also allow me to install a washer dryer, open up a lot of storage space, and will finally make my house feel complete.?Total cost was estimated at $11,500, I will be using cash from my savings to pay for the rest.? Income: My income comes in the form of tax free annuity guaranteed by Metlife, this was verified by my old group leader, as well?as Prosper, during the processing of my first loan. I currently recieve a net income of $5641 a month, this rate will increase every by 4% for life, this annuity cannot be borrowed against or sold.
Please note my credit score plummeted after I reported my Bank of America C.C. lost, 2?years ago?during the credit crisis. I had a zero balance, they never issued a new card, instead it was canceled, showed up as unknown on my credit report, then disappeared, so my credit hitory was shortened considerably and my credit score dropped as well. You can see the discrepancy in my first listing.
Budget:
1850 Mortgage? ($7000 in property taxes a year included)
281 HSBC loan (this loan ends July 2011)
900 Food/expenses
110 Direct TV
135 Internet/cell phone
100 Utilities (average)
600 car (insurance, extended warranty, car payment ends Jan. 2012)
-------------
$5641 income
-4000 budget After the payments for this loan I will still have roughly $1100+ per month.Thank you very much to the bidders who funded my last loan, I hope that shows my commitment to you and leads to another
succesful listing.
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| frugalinvestor20 | $25.00 | $25.00 | 10/19/2010 3:43:54 PM |
| diversification-maple1 | $50.00 | $50.00 | 10/20/2010 11:34:24 AM |
| helping-out | $25.00 | $25.00 | 10/21/2010 8:12:47 PM |
| restless-dime | $25.92 | $25.92 | 10/21/2010 9:33:35 PM |
| valiant-liberty4 | $25.00 | $25.00 | 10/22/2010 11:12:22 AM |
| heroic-benefit | $119.93 | $119.93 | 10/22/2010 8:41:02 PM |
| yield-lion2 | $28.56 | $28.56 | 10/23/2010 11:49:41 AM |
| mrxtravis | $50.00 | $50.00 | 10/23/2010 2:58:59 PM |
| Kash2010lu | $50.00 | $50.00 | 10/23/2010 7:09:16 PM |
| worthy-bid8 | $25.00 | $25.00 | 10/24/2010 11:16:02 AM |
| blitzen40 | $35.00 | $35.00 | 10/24/2010 12:34:57 PM |
| marinbb | $25.00 | $25.00 | 10/24/2010 6:07:04 PM |
| gbruenin | $25.00 | $25.00 | 10/24/2010 7:00:20 PM |
| money-bauble | $37.00 | $37.00 | 10/25/2010 2:16:57 PM |
| retired272 | $25.00 | $25.00 | 10/25/2010 4:31:07 PM |
| SolarMoonshine | $200.00 | $200.00 | 10/25/2010 6:10:14 PM |
| SFBank | $300.00 | $300.00 | 10/25/2010 7:25:27 PM |
| MoonMama | $25.00 | $25.00 | 10/26/2010 2:22:05 AM |
| thatguyoverseas | $35.00 | $35.00 | 10/25/2010 10:07:24 PM |
| restless-dime | $30.00 | $30.00 | 10/25/2010 9:01:06 PM |
| nickelasaurus-rex | $25.00 | $25.00 | 10/26/2010 5:52:34 AM |
| valiant-liberty4 | $25.00 | $25.00 | 10/26/2010 8:41:51 AM |
| Skeptical-one | $200.00 | $200.00 | 10/26/2010 8:11:58 AM |
| lucrative-loan | $50.00 | $50.00 | 10/26/2010 2:11:15 PM |
| autumn_leaves | $25.00 | $25.00 | 10/26/2010 2:32:21 PM |
| autumn_leaves | $25.00 | $25.00 | 10/26/2010 2:33:05 PM |
| UCLA4life | $25.00 | $25.00 | 10/26/2010 2:48:07 PM |
| autumn_leaves | $25.00 | $25.00 | 10/26/2010 2:31:42 PM |
| autumn_leaves | $25.00 | $25.00 | 10/26/2010 2:33:44 PM |
| autumn_leaves | $25.00 | $25.00 | 10/26/2010 2:41:27 PM |
| penny-plato | $100.00 | $100.00 | 10/26/2010 2:39:19 PM |
| DrT | $28.40 | $28.40 | 10/26/2010 3:09:35 PM |
| autumn_leaves | $25.00 | $25.00 | 10/26/2010 3:37:48 PM |
| green-capital-hornet | $25.00 | $25.00 | 10/25/2010 4:09:19 PM |
| bold-yield-rumbler | $25.00 | $25.00 | 10/25/2010 4:15:55 PM |
| Skeptical-one | $31.00 | $31.00 | 10/21/2010 10:24:56 AM |
| Barrayaran | $25.00 | $25.00 | 10/20/2010 12:27:44 PM |
| zone6 | $113.02 | $113.02 | 10/20/2010 6:48:34 AM |
| Flying_Tilapia | $280.00 | $280.00 | 10/20/2010 4:39:32 AM |
| JustMee | $25.00 | $25.00 | 10/19/2010 5:22:45 PM |
| UCLA4life | $25.00 | $25.00 | 10/19/2010 3:55:24 PM |
| Amber_Stone | $25.00 | $25.00 | 10/19/2010 7:38:34 PM |
| loan-kung-fu | $50.00 | $50.00 | 10/20/2010 2:37:33 AM |
| Jasmel | $200.00 | $200.00 | 10/20/2010 5:58:56 AM |
| brother_tam | $50.00 | $50.00 | 10/20/2010 7:47:28 AM |
| penny-plato | $50.00 | $50.00 | 10/20/2010 8:00:14 AM |
| Ubiquinone | $25.00 | $25.00 | 10/20/2010 8:27:49 PM |
| return-grizzly | $100.00 | $100.00 | 10/21/2010 2:59:22 AM |
| 56bones | $25.00 | $25.00 | 10/22/2010 11:06:25 AM |
| inspiring-reward | $100.00 | $100.00 | 10/22/2010 4:07:21 PM |
| myutmost | $100.00 | $100.00 | 10/23/2010 8:51:19 AM |
| YoungTaxMan | $556.55 | $556.55 | 10/23/2010 11:44:14 AM |
| brondero | $70.00 | $70.00 | 10/23/2010 2:06:46 PM |
| selector568 | $50.00 | $50.00 | 10/23/2010 7:10:51 PM |
| big_balla_papi | $25.00 | $25.00 | 10/23/2010 8:54:42 PM |
| NekHoldings | $25.00 | $25.00 | 10/24/2010 11:42:20 AM |
| FarmersBank | $25.00 | $25.00 | 10/24/2010 4:23:37 PM |
| restless-dime | $25.00 | $25.00 | 10/24/2010 7:32:46 PM |
| marinbb | $50.00 | $50.00 | 10/24/2010 6:06:37 PM |
| rate-negotiator | $25.00 | $25.00 | 10/25/2010 6:11:56 AM |
| RecoveryLender | $25.00 | $25.00 | 10/25/2010 9:28:22 AM |
| reflective-rupee | $33.00 | $33.00 | 10/25/2010 10:56:29 AM |
| Lam0nt | $25.00 | $25.00 | 10/25/2010 4:29:58 PM |
| graceful-investment | $100.00 | $100.00 | 10/25/2010 5:11:02 PM |
| Jasmel | $200.00 | $200.00 | 10/25/2010 6:31:09 PM |
| best-unbeatable-transaction | $25.00 | $25.00 | 10/25/2010 8:04:03 PM |
| supreme-hope | $25.00 | $25.00 | 10/26/2010 6:39:08 AM |
| favorite-commerce | $50.00 | $50.00 | 10/26/2010 8:14:28 AM |
| WMY-Investor | $100.00 | $100.00 | 10/26/2010 10:03:34 AM |
| Bob450 | $25.00 | $25.00 | 10/26/2010 12:54:18 PM |
| DHolly | $30.00 | $30.00 | 10/26/2010 10:14:10 AM |
| momoney2lend | $25.00 | $25.00 | 10/26/2010 10:40:25 AM |
| YoungTaxMan | $752.10 | $752.10 | 10/26/2010 2:29:33 PM |
| double22 | $50.00 | $50.00 | 10/26/2010 2:34:10 PM |
| myutmost | $64.79 | $64.79 | 10/26/2010 11:59:13 AM |
| penny-plato | $150.00 | $150.00 | 10/26/2010 2:49:04 PM |
| well-mannered-income3 | $30.00 | $30.00 | 10/26/2010 1:29:59 PM |
| autumn_leaves | $25.00 | $25.00 | 10/26/2010 2:56:16 PM |
| investment-artist | $25.00 | $25.00 | 10/26/2010 3:37:33 PM |
| autumn_leaves | $50.00 | $50.00 | 10/26/2010 3:17:00 PM |
| TakeCare | $50.00 | $50.00 | 10/21/2010 8:31:39 AM |
| Mocaba | $1,800.00 | $1,749.73 | 10/26/2010 3:38:16 PM |
| 82 bids
|
Borrower Payment Dependent Notes Series
480631
This series of Notes was issued and sold upon the funding of the borrower loan #45167, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,300.00 |
Prosper Rating:
| HR |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 36.60% |
Auction start date:
| Oct-20-2010 |
| |
Auction end date:
| Oct-24-2010 |
|
|
Starting lender yield:
| 34.00% |
Starting borrower rate/APR:
| 35.00% / 39.82% |
Starting monthly payment:
| $58.81 |
|
Final lender yield:
| 30.00% |
Final borrower rate/APR:
| 31.00% / 35.70% |
Final monthly payment:
| $55.90 |
| |
|
Auction yield range:
| 16.71% - 34.00% |
Estimated loss impact:
| 38.36% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| -8.36% | | |
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:
| Jun-2000 |
Debt/Income ratio:
| 155% |
|
Credit score:
| 640-659 (Sep-2010) |
Inquiries last 6m:
| 1 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 4
/
4 | Length of status: | 4y 9m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 7 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $1,984 | Stated income: | $1-$24,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 99% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| wendyplus5 |
Borrower's state:
| Washington |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 0 / 1 |
On-time:
| 35 ( 100% )
| 640-659 (Latest)
|
|
Principal borrowed:
| $1,500.00 | < 31 days late:
| 0
( 0% )
| 620-639
(Jun-2007)
|
|
Principal balance:
| $0.69 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 35 | | |
Description
Never Late on any payments
Purpose of loan:
This loan will be used to to buy a new washer and dryer
My financial situation:
I am a good candidate for this loan because I have already paid back a prosper loan on time. I always pay all?my?bills on time. I have never been late on any of my bills. Plus the payment of this loan will be less than what I pay at the laundrymat every month, not including the gas and my time.?
Monthly net income: $ 3000.00
Monthly expenses: $
??Housing: $ 1080
??Insurance: $ 100
??Car expenses: $
??Utilities: $ 75
??Phone, cable, internet: $25
??Food, entertainment: $300
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 40
??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) |
|
| fabulous-community4 | $25.00 | $25.00 | 10/22/2010 8:01:04 AM |
| JobLowe | $26.23 | $26.23 | 10/22/2010 4:18:24 PM |
| goodcents | $25.00 | $25.00 | 10/22/2010 8:14:23 PM |
| marwadi-62 | $300.00 | $300.00 | 10/23/2010 9:30:47 AM |
| EEasyMoney | $25.00 | $25.00 | 10/23/2010 7:10:39 AM |
| kinetic-social | $25.00 | $25.00 | 10/24/2010 9:07:20 AM |
| OLYVRC | $25.00 | $25.00 | 10/24/2010 1:52:46 PM |
| platinum-hunter7 | $35.00 | $35.00 | 10/24/2010 5:43:07 PM |
| Skeptical-one | $31.00 | $31.00 | 10/21/2010 10:24:51 AM |
| seadrg | $25.00 | $25.00 | 10/21/2010 7:14:06 AM |
| blitzen40 | $75.00 | $75.00 | 10/20/2010 8:54:52 PM |
| yield-lion2 | $75.00 | $75.00 | 10/21/2010 5:21:22 PM |
| Kash2010lu | $35.00 | $35.00 | 10/21/2010 6:10:15 PM |
| DasMula | $25.00 | $25.00 | 10/21/2010 6:19:18 PM |
| SolarMoonshine | $25.00 | $25.00 | 10/22/2010 3:48:06 AM |
| CommunityArts_Non-profit | $153.04 | $153.04 | 10/22/2010 3:00:44 PM |
| the-fantastic-bid | $25.00 | $24.73 | 10/22/2010 5:20:37 PM |
| LKCGICG | $25.00 | $25.00 | 10/22/2010 9:25:12 PM |
| chameleon125 | $75.00 | $75.00 | 10/23/2010 7:30:40 AM |
| cashhelp | $50.00 | $50.00 | 10/23/2010 9:33:41 AM |
| five-star-note | $170.00 | $170.00 | 10/23/2010 9:27:12 PM |
| Bob450 | $25.00 | $25.00 | 10/24/2010 9:41:30 AM |
| 22 bids
|
Borrower Payment Dependent Notes Series
481027
This series of Notes was issued and sold upon the funding of the borrower loan #45170, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $7,500.00 |
Prosper Rating:
| B |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 5.95% |
Auction start date:
| Oct-22-2010 |
| |
Auction end date:
| Oct-28-2010 |
|
|
Starting lender yield:
| 13.90% |
Starting borrower rate/APR:
| 14.90% / 17.07% |
Starting monthly payment:
| $259.62 |
|
Final lender yield:
| 13.90% |
Final borrower rate/APR:
| 14.90% / 17.07% |
Final monthly payment:
| $259.62 |
| |
|
Auction yield range:
| 5.71% - 13.90% |
Estimated loss impact:
| 6.18% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.72% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented 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-2000 |
Debt/Income ratio:
| 20% |
|
Credit score:
| 760-779 (Oct-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 6
/
6 | Length of status: | 0y 5m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 23 |
Occupation: | Accountant/CPA |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $11,856 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 3 |
Bankcard utilization:
| 61% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| engrossing-yield |
Borrower's state:
| Mississippi |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
Paying off credit cards
Purpose of loan:
This loan will be used to pay off?a credit card. ?
My financial situation:
I am a good candidate for this loan because I have not been unemployed since graduating college in 2004. I paid all my school loans in my first year after graduation. My job is very stable and I cannot remember the last time I was late in paying any of my debts.
Monthly net income: $ 4,040
Monthly expenses: $
??Housing: $1,220
??Insurance: $ included in?housing
??Car expenses: $ 396
??Utilities: $ 160
??Phone, cable, internet: $?210
??Food, entertainment: $ 200
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 300
??Other expenses: $ 100
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
Please comment on 3 delinquencies in last 7 years, what happened? Please answer publicly. - radiant-return
A:
These 3 delinquencies are from 2004 and relate to credit cards. I was out of the country for my wedding/honeymoon and upon my return moved to a different state and in all the hoopla was late in changing the address to these. Since these cards were not my primary card, had minor balances and were store credit cards (big mistake) they weren't a big priority. Just to let you know the credit limits on the three were $750, $240 and $100. The accts were paid and immediately closed. Thanks for the ?
(Oct-28-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| Weaverville | $50.00 | $50.00 | 10/22/2010 2:29:36 PM |
| mjunlimited | $50.00 | $50.00 | 10/22/2010 2:37:58 PM |
| reward-tsunami7 | $50.00 | $50.00 | 10/22/2010 2:38:37 PM |
| bold-durability-drum | $50.00 | $50.00 | 10/22/2010 2:38:45 PM |
| natural-affluence4 | $25.00 | $25.00 | 10/22/2010 2:39:50 PM |
| ogmanny | $50.00 | $50.00 | 10/22/2010 2:37:32 PM |
| teller | $50.00 | $50.00 | 10/22/2010 2:37:44 PM |
| the-money-position | $50.00 | $50.00 | 10/22/2010 2:42:24 PM |
| rescue | $100.00 | $100.00 | 10/22/2010 4:26:42 PM |
| skuba | $25.00 | $25.00 | 10/23/2010 5:03:32 AM |
| bountiful-durability | $100.00 | $100.00 | 10/23/2010 6:42:47 AM |
| Cypher041 | $25.00 | $25.00 | 10/23/2010 9:03:09 AM |
| Artist_Blue | $25.00 | $25.00 | 10/23/2010 2:52:11 PM |
| alpinaut | $25.00 | $25.00 | 10/23/2010 3:07:44 PM |
| deal-vibrato | $50.00 | $50.00 | 10/23/2010 8:16:15 PM |
| vegibenz | $25.00 | $25.00 | 10/24/2010 11:55:37 AM |
| OrcaFIN | $25.00 | $25.00 | 10/24/2010 8:33:57 PM |
| TrustPlus | $50.00 | $50.00 | 10/24/2010 9:21:52 PM |
| handshake5 | $100.00 | $100.00 | 10/24/2010 10:48:23 PM |
| tom48l | $25.00 | $25.00 | 10/25/2010 3:07:04 AM |
| leverage-holly | $25.00 | $25.00 | 10/25/2010 11:49:04 AM |
| gracej | $25.00 | $25.00 | 10/25/2010 11:49:52 AM |
| the-profit-oracle | $25.00 | $25.00 | 10/25/2010 2:01:25 PM |
| radforj22 | $25.00 | $25.00 | 10/25/2010 6:28:58 PM |
| a-finance-nirvana | $25.00 | $25.00 | 10/26/2010 2:22:25 AM |
| larrybird | $25.00 | $25.00 | 10/26/2010 10:26:39 AM |
| mla | $25.00 | $25.00 | 10/26/2010 2:50:39 PM |
| ti22ring | $25.00 | $25.00 | 10/26/2010 4:35:57 PM |
| important-ore | $100.00 | $100.00 | 10/26/2010 4:36:00 PM |
| KileNSmyth4 | $80.00 | $80.00 | 10/26/2010 4:58:49 PM |
| bonus-maximizer919 | $50.00 | $50.00 | 10/26/2010 6:05:16 PM |
| shmb6508 | $50.00 | $50.00 | 10/26/2010 6:38:33 PM |
| chlebie | $25.00 | $25.00 | 10/27/2010 2:00:07 AM |
| cybernosha | $25.00 | $25.00 | 10/27/2010 8:25:40 AM |
| patriot897 | $25.00 | $25.00 | 10/27/2010 4:01:20 AM |
| blue-euro-entrepreneur | $25.00 | $25.00 | 10/27/2010 7:24:38 AM |
| galvatron | $50.00 | $50.00 | 10/27/2010 9:57:03 AM |
| cathexis | $50.00 | $50.00 | 10/27/2010 12:53:25 PM |
| organized-payment6 | $25.00 | $25.00 | 10/27/2010 2:26:43 PM |
| ladderskibum | $25.00 | $25.00 | 10/27/2010 3:14:19 PM |
| SelectTrustLending | $25.00 | $25.00 | 10/27/2010 1:58:49 PM |
| Tradesmanlender | $35.00 | $35.00 | 10/27/2010 4:04:30 PM |
| intuitive-bill | $25.00 | $25.00 | 10/27/2010 4:09:24 PM |
| The_Secret | $50.00 | $50.00 | 10/27/2010 4:01:25 PM |
| the-debt-fluffy-bunny | $25.00 | $25.00 | 10/27/2010 4:07:24 PM |
| suave-dime6 | $25.00 | $25.00 | 10/27/2010 4:28:53 PM |
| bambampk | $25.00 | $25.00 | 10/27/2010 4:26:41 PM |
| benefit-piano5 | $25.00 | $25.00 | 10/27/2010 4:31:38 PM |
| efficient-treasure0 | $25.00 | $25.00 | 10/27/2010 7:59:58 PM |
| lostontheedge | $25.00 | $25.00 | 10/27/2010 8:10:35 PM |
| rakstar | $25.00 | $25.00 | 10/27/2010 8:17:16 PM |
| brazilofmux | $100.00 | $100.00 | 10/27/2010 7:04:25 PM |
| brightest-dynamic-peace | $25.00 | $25.00 | 10/27/2010 10:43:18 PM |
| njlom | $100.00 | $100.00 | 10/27/2010 7:52:15 PM |
| friendly-market5 | $31.00 | $31.00 | 10/27/2010 6:10:07 PM |
| Ivan2007 | $39.05 | $39.05 | 10/28/2010 1:35:49 AM |
| ClearLake | $25.00 | $25.00 | 10/28/2010 1:57:26 AM |
| Cheburashka | $25.00 | $25.00 | 10/28/2010 1:59:50 AM |
| inforapenny | $50.00 | $50.00 | 10/27/2010 7:03:51 PM |
| CAGE-Investments | $25.00 | $25.00 | 10/28/2010 2:30:18 AM |
| sosleep | $25.00 | $25.00 | 10/28/2010 6:34:18 AM |
| looking2help | $25.00 | $25.00 | 10/27/2010 8:16:54 PM |
| herbyman | $50.00 | $50.00 | 10/28/2010 7:40:57 AM |
| kmwvma | $25.00 | $25.00 | 10/28/2010 1:57:04 AM |
| wise-silver-wonder | $25.00 | $25.00 | 10/28/2010 10:36:48 AM |
| Money4Friends | $25.00 | $25.00 | 10/28/2010 9:37:59 AM |
| loyalty-sherpa | $50.00 | $50.00 | 10/28/2010 9:39:58 AM |
| Warwick | $50.00 | $50.00 | 10/28/2010 10:05:40 AM |
| economy-orchid | $25.00 | $25.00 | 10/28/2010 10:59:17 AM |
| jodilee31 | $39.49 | $39.49 | 10/28/2010 2:06:26 PM |
| dinero-festivity2 | $50.00 | $50.00 | 10/28/2010 2:16:22 PM |
| McRowdy | $25.00 | $25.00 | 10/28/2010 10:38:12 AM |
| kaykarun | $25.00 | $25.00 | 10/28/2010 2:20:18 PM |
| narblark | $50.00 | $50.00 | 10/28/2010 11:31:21 AM |
| cashhelp | $25.00 | $25.00 | 10/28/2010 12:40:47 PM |
| OCLend | $150.00 | $150.00 | 10/28/2010 1:07:12 PM |
| trade-beeper3 | $25.00 | $25.00 | 10/28/2010 1:48:34 PM |
| lulubelle98 | $100.00 | $100.00 | 10/28/2010 2:22:41 PM |
| currency-trophy | $25.00 | $25.00 | 10/28/2010 2:25:25 PM |
| Wilcat77 | $50.00 | $50.00 | 10/28/2010 2:23:57 PM |
| justice-dna | $25.00 | $25.00 | 10/28/2010 2:24:05 PM |
| cberthiaume | $25.00 | $25.00 | 10/28/2010 2:24:59 PM |
| responsible-investment0 | $50.00 | $50.00 | 10/28/2010 2:25:18 PM |
| a0z0ra | $50.00 | $50.00 | 10/28/2010 2:25:22 PM |
| UncleSafety | $50.00 | $50.00 | 10/28/2010 3:16:07 PM |
| superb-social | $100.00 | $100.00 | 10/28/2010 2:51:01 PM |
| Veiglcc | $25.00 | $25.00 | 10/28/2010 4:18:54 PM |
| guardian3 | $25.00 | $25.00 | 10/28/2010 4:22:40 PM |
| spiff666 | $25.00 | $25.00 | 10/28/2010 3:30:40 PM |
| broker558 | $25.00 | $25.00 | 10/28/2010 4:33:48 PM |
| selector568 | $300.00 | $300.00 | 10/22/2010 2:31:53 PM |
| GElender | $50.00 | $50.00 | 10/22/2010 2:34:04 PM |
| williemc44 | $50.00 | $50.00 | 10/22/2010 2:36:07 PM |
| ray1051 | $25.00 | $25.00 | 10/22/2010 2:37:49 PM |
| jazzlender | $50.00 | $50.00 | 10/22/2010 2:39:22 PM |
| BxRealtor | $25.00 | $25.00 | 10/22/2010 2:43:27 PM |
| tolerant-dinero2 | $25.00 | $25.00 | 10/22/2010 2:43:05 PM |
| valiant-liberty4 | $25.00 | $25.00 | 10/22/2010 2:46:25 PM |
| penny-plato | $25.00 | $25.00 | 10/22/2010 4:52:04 PM |
| DasMula | $25.00 | $25.00 | 10/22/2010 7:22:59 PM |
| thrifty-peso | $25.00 | $25.00 | 10/22/2010 8:02:05 PM |
| graceful-investment | $26.45 | $26.45 | 10/23/2010 4:11:02 AM |
| studious-bonus7 | $100.00 | $100.00 | 10/23/2010 4:12:50 AM |
| hannibal720 | $25.00 | $25.00 | 10/23/2010 6:18:46 AM |
| loyalist1 | $100.00 | $100.00 | 10/23/2010 10:03:37 AM |
| Banker7371 | $25.00 | $25.00 | 10/23/2010 6:40:48 PM |
| unforgettable-order9 | $50.00 | $50.00 | 10/24/2010 8:12:44 AM |
| tenacious-compassion9 | $25.00 | $25.00 | 10/24/2010 11:16:18 AM |
| rapid-credit428 | $25.00 | $25.00 | 10/24/2010 8:08:31 AM |
| blue-useful-auction | $25.00 | $25.00 | 10/24/2010 12:07:41 PM |
| supreme-hope | $25.00 | $25.00 | 10/24/2010 7:50:44 PM |
| Panna | $25.00 | $25.00 | 10/24/2010 10:33:57 PM |
| exchange-battalion | $30.00 | $30.00 | 10/24/2010 11:19:07 PM |
| tntmojave | $25.00 | $25.00 | 10/25/2010 5:45:21 AM |
| unassassinable | $25.00 | $25.00 | 10/25/2010 9:06:52 AM |
| point-kitten6 | $50.00 | $50.00 | 10/25/2010 9:58:23 AM |
| GCInvestments | $25.00 | $25.00 | 10/25/2010 10:17:05 AM |
| nickel-hickory | $25.00 | $25.00 | 10/25/2010 4:24:41 PM |
| FadSaolAgat | $25.97 | $25.97 | 10/25/2010 7:13:49 PM |
| Fiimg | $50.00 | $50.00 | 10/26/2010 4:57:44 AM |
| museic1 | $25.00 | $25.00 | 10/26/2010 7:53:43 AM |
| patriot384 | $360.00 | $360.00 | 10/26/2010 6:06:05 AM |
| zeelender | $25.00 | $25.00 | 10/26/2010 3:01:57 PM |
| Cherrypicker | $35.00 | $35.00 | 10/26/2010 4:06:49 PM |
| psa1995 | $50.00 | $50.00 | 10/26/2010 6:16:24 PM |
| Vegas777 | $25.00 | $25.00 | 10/26/2010 6:22:18 PM |
| dajen1 | $40.00 | $40.00 | 10/26/2010 7:30:55 PM |
| jdwillcox | $100.00 | $100.00 | 10/26/2010 9:11:18 PM |
| subtle-revenue0 | $25.00 | $25.00 | 10/27/2010 5:16:18 AM |
| enthralling-deal180 | $50.00 | $50.00 | 10/27/2010 4:37:03 AM |
| iamricher | $25.00 | $25.00 | 10/27/2010 9:54:05 AM |
| indomitable-coin | $50.00 | $50.00 | 10/27/2010 8:40:48 AM |
| lagnisiruk | $25.00 | $25.00 | 10/27/2010 9:08:39 AM |
| julijask | $35.00 | $35.00 | 10/27/2010 9:24:21 AM |
| life-is-great | $50.00 | $50.00 | 10/27/2010 4:00:26 PM |
| EvalCrux | $50.00 | $50.00 | 10/27/2010 4:03:57 PM |
| Mark0135 | $50.00 | $50.00 | 10/27/2010 3:52:57 PM |
| first-restless-payout | $50.00 | $50.00 | 10/27/2010 4:17:54 PM |
| fireboss | $50.00 | $50.00 | 10/27/2010 4:23:56 PM |
| Comoparklender | $25.00 | $25.00 | 10/27/2010 5:02:21 PM |
| money-bauble | $39.68 | $39.68 | 10/27/2010 8:17:01 PM |
| encore739 | $25.00 | $25.00 | 10/27/2010 6:22:49 PM |
| mrladybug101 | $100.00 | $100.00 | 10/27/2010 6:40:56 PM |
| devoider | $25.00 | $25.00 | 10/28/2010 2:29:28 AM |
| brother_tam | $31.76 | $31.76 | 10/27/2010 8:25:02 PM |
| contract-boomerang | $25.00 | $25.00 | 10/27/2010 7:20:46 PM |
| mmckune | $25.00 | $25.00 | 10/28/2010 1:57:35 AM |
| nickel-ferret | $50.00 | $50.00 | 10/27/2010 10:11:10 PM |
| Deuce | $30.00 | $30.00 | 10/28/2010 6:57:14 AM |
| hrubinst | $36.02 | $36.02 | 10/28/2010 2:29:37 AM |
| discrete-asset | $25.00 | $25.00 | 10/28/2010 2:30:14 AM |
| nalaari | $25.00 | $25.00 | 10/28/2010 2:31:06 AM |
| 108lender | $68.37 | $68.37 | 10/28/2010 10:26:29 AM |
| ptjg | $50.00 | $50.00 | 10/28/2010 8:45:31 AM |
| Phantom99 | $25.00 | $25.00 | 10/28/2010 10:31:26 AM |
| doublediamond | $25.00 | $25.00 | 10/28/2010 7:41:35 AM |
| commitment-farm | $50.00 | $50.00 | 10/28/2010 9:39:02 AM |
| 626457 | $29.00 | $29.00 | 10/28/2010 10:16:28 AM |
| Bank-Of-David | $60.34 | $60.34 | 10/28/2010 1:07:10 PM |
| ixjoec | $27.00 | $27.00 | 10/28/2010 10:36:22 AM |
| Pacific-Bank | $50.00 | $50.00 | 10/28/2010 2:23:50 PM |
| LittlePiggyBank | $50.00 | $50.00 | 10/28/2010 2:25:27 PM |
| aha6297 | $25.00 | $25.00 | 10/28/2010 11:56:05 AM |
| doncm | $50.00 | $50.00 | 10/28/2010 12:27:02 PM |
| loan-kung-fu | $100.00 | $100.00 | 10/28/2010 1:09:15 PM |
| B-rad_the_Coug | $25.00 | $25.00 | 10/28/2010 1:49:36 PM |
| nakane66 | $50.00 | $50.00 | 10/28/2010 2:23:22 PM |
| kelseyshea | $25.00 | $25.00 | 10/28/2010 2:24:54 PM |
| nestegg4e | $25.00 | $25.00 | 10/28/2010 2:25:28 PM |
| lovely-benefit7 | $25.00 | $25.00 | 10/28/2010 2:24:03 PM |
| buddy486 | $25.00 | $25.00 | 10/28/2010 2:25:20 PM |
| tranquil-revenue | $50.00 | $25.87 | 10/28/2010 2:25:29 PM |
| Erie100 | $25.00 | $25.00 | 10/28/2010 3:03:50 PM |
| LoveVA | $50.00 | $50.00 | 10/28/2010 3:38:08 PM |
| Techne_Funds_LLC | $25.00 | $25.00 | 10/28/2010 4:07:58 PM |
| 175 bids
|
Borrower Payment Dependent Notes Series
481559
This series of Notes was issued and sold upon the funding of the borrower loan #45201, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $3,000.00 |
Prosper Rating:
| E |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 14.20% |
Auction start date:
| Oct-26-2010 |
| |
Auction end date:
| Nov-01-2010 |
|
|
Starting lender yield:
| 33.35% |
Starting borrower rate/APR:
| 34.35% / 38.06% |
Starting monthly payment:
| $134.61 |
|
Final lender yield:
| 33.35% |
Final borrower rate/APR:
| 34.35% / 38.06% |
Final monthly payment:
| $134.61 |
| |
|
Auction yield range:
| 13.71% - 33.35% |
Estimated loss impact:
| 15.74% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 17.61% | | |
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:
| 27% |
|
Credit score:
| 700-719 (Oct-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 10
/
10 | Length of status: | 0y 9m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 24 |
Occupation: | Sales - Commission |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $5,540 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 12 |
Bankcard utilization:
| 92% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| green-inspired-benjamins |
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
Rebuild Emergency Account
Purpose of loan:
This loan will be used to?help rebuild my families emergency account. My wife and I used almost all of funds to pay?for our?first house which was just in May of this year.??It will also help pay for some credit cards that we?used to furnish?our new house.? Our?emergency account is very important to us since we have 2 beautiful kids. ?
My financial situation:
I am a good candidate for this loan because? My wife and I both make enough money to pay off this loan by April 2011 if we choose to.? We have a joint account that the payments will be debited from.? We make about $6000-$6500 in take home money and only have around $3000 worth of fixed expenses.? We are in good standing with all of our current bills and credit cards.? We are on time with all payments and will be with this load and will have it directly debited from our checking account.
Monthly net income: $?
My take home for the month is between $2500-$3000 depending on my commissions.? My wifes take home is another $3500 and will also be helping me repay this loan.? We have a joint account.?
Monthly expenses: $
??Housing: $ 1847
??Insurance: $
??Car expenses: $ 395
??Utilities: $ 150
??Phone, cable, internet: $ 150
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 200
??Other expenses: $ 150
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
Q:
hi, what job/industry do you and your wife work in? where do you live? we live in glencoe - shrewd-income
A:
I work in the Logistics industry. I am a Account Manager for companies like Walgreen's, Wal-Mart, Morton Salt etc... My wife is a Emergency Room Nurse. We live in Shorewood, IL which is just South of Naperville, IL.
(Oct-28-2010)
Q:
Can you explain the 12 delinquencies in the past 7 years? - CPAecs
A:
Pretty simple, My wife and I both did some stupid stuff in college and paid for it later in life while trying to pay the credit cards off. Also, when I was first out of college I had to do a 6 month internship that was unpaid. I had no help to pay any of my expenses and got behind on some cards. My wife and I have taken care of all those issues and are secure in our finances and are just trying to get our emergency account built back up after using most of it to pay for our first house.
(Oct-31-2010)
question & answer
Information in Questions and Answers is not verified
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| handshake5 | $100.00 | $100.00 | 10/26/2010 2:53:10 PM |
| noble-revenue | $50.00 | $50.00 | 10/26/2010 3:56:37 PM |
| successful-agreement7 | $100.00 | $100.00 | 10/26/2010 5:15:50 PM |
| bid-czar8 | $25.00 | $25.00 | 10/26/2010 5:18:31 PM |
| felicity-festival | $30.00 | $30.00 | 10/26/2010 6:16:08 PM |
| special-currency6 | $25.00 | $25.00 | 10/26/2010 8:54:51 PM |
| helping-out | $25.00 | $25.00 | 10/26/2010 8:46:27 PM |
| inspiring-reward | $100.00 | $100.00 | 10/27/2010 6:30:52 AM |
| reflective-rupee | $33.00 | $33.00 | 10/27/2010 3:27:51 PM |
| natural-greenback6 | $25.00 | $25.00 | 10/28/2010 7:10:30 AM |
| larryboy10 | $25.00 | $25.00 | 10/28/2010 7:56:49 PM |
| SolarMoonshine | $50.00 | $50.00 | 10/28/2010 5:32:13 PM |
| penny-plato | $25.00 | $25.00 | 10/29/2010 11:08:59 AM |
| JPAW777 | $50.00 | $50.00 | 10/31/2010 8:25:09 AM |
| money-bauble | $25.00 | $25.00 | 10/31/2010 2:11:00 PM |
| Bob450 | $25.00 | $25.00 | 10/31/2010 10:55:02 PM |
| tech310 | $25.00 | $25.00 | 10/31/2010 9:44:37 PM |
| worthy-bid4 | $100.00 | $100.00 | 11/1/2010 9:28:36 AM |
| asiaratt | $50.00 | $50.00 | 11/1/2010 3:50:58 AM |
| nickel-hickory | $50.00 | $50.00 | 11/1/2010 12:06:09 AM |
| platinum-celebration4 | $25.00 | $25.00 | 11/1/2010 9:39:27 AM |
| musegaze | $100.00 | $100.00 | 11/1/2010 10:07:39 AM |
| larrybird | $150.00 | $150.00 | 11/1/2010 11:42:13 AM |
| generous-deal6 | $25.00 | $25.00 | 11/1/2010 10:07:42 AM |
| transaction-circuit | $100.00 | $100.00 | 11/1/2010 11:08:59 AM |
| teller | $45.34 | $45.34 | 11/1/2010 12:48:28 PM |
| Tono | $30.00 | $30.00 | 11/1/2010 3:13:55 PM |
| TakeCare | $50.00 | $50.00 | 11/1/2010 4:24:38 PM |
| worthy-bid8 | $25.00 | $25.00 | 11/1/2010 4:27:30 PM |
| orange-dollar-guild | $25.00 | $25.00 | 11/1/2010 4:27:58 PM |
| logical-investment4 | $25.00 | $25.00 | 11/1/2010 4:29:41 PM |
| Evolver | $50.00 | $50.00 | 11/1/2010 4:48:29 PM |
| gold-cluster | $100.00 | $100.00 | 11/1/2010 5:54:49 PM |
| well-mannered-income3 | $30.00 | $30.00 | 11/1/2010 5:07:43 PM |
| valiant-liberty4 | $25.00 | $25.00 | 10/26/2010 2:54:26 PM |
| transaction-circuit | $50.00 | $50.00 | 10/26/2010 2:59:16 PM |
| radiant-loan5 | $200.00 | $200.00 | 10/26/2010 2:52:08 PM |
| agiovasil | $25.00 | $25.00 | 10/26/2010 6:07:47 PM |
| forthright-dedication | $25.00 | $25.00 | 10/26/2010 6:02:49 PM |
| suave-dime6 | $25.00 | $25.00 | 10/26/2010 6:04:13 PM |
| Comoparklender | $25.00 | $25.00 | 10/26/2010 10:23:08 PM |
| balance-handshake7 | $25.00 | $25.00 | 10/27/2010 1:12:30 PM |
| abnvette | $26.00 | $26.00 | 10/28/2010 12:18:03 AM |
| Artist_Blue | $25.00 | $25.00 | 10/28/2010 12:36:22 PM |
| simplelender80 | $200.00 | $200.00 | 10/28/2010 3:05:29 PM |
| velocity-solo | $25.00 | $25.00 | 10/29/2010 9:44:29 AM |
| ore-dojo | $25.00 | $25.00 | 10/29/2010 8:49:20 PM |
| sagan | $25.00 | $25.00 | 10/29/2010 9:33:21 PM |
| NoCal | $30.00 | $30.00 | 10/30/2010 6:54:19 AM |
| graceful-investment | $100.00 | $100.00 | 10/30/2010 11:30:45 AM |
| shmb6508 | $50.00 | $50.00 | 10/30/2010 10:34:48 PM |
| DHolly | $30.00 | $30.00 | 10/31/2010 8:24:05 AM |
| thatguyoverseas | $25.00 | $25.00 | 11/1/2010 5:45:50 AM |
| CPAecs | $25.00 | $25.00 | 11/1/2010 7:07:46 AM |
| kulender | $100.00 | $100.00 | 11/1/2010 9:09:10 AM |
| skuba | $25.00 | $25.00 | 11/1/2010 12:08:54 PM |
| shrewd-income | $50.00 | $50.00 | 11/1/2010 1:19:09 PM |
| Investoman | $25.00 | $15.66 | 11/1/2010 4:31:06 PM |
| kind-bill-supporter | $25.00 | $25.00 | 11/1/2010 4:19:51 PM |
| trumpeter5 | $25.00 | $25.00 | 11/1/2010 5:19:58 PM |
| credible-balance0 | $25.00 | $25.00 | 11/1/2010 4:29:03 PM |
| deepblue34 | $30.00 | $30.00 | 11/1/2010 5:40:13 PM |
| 62 bids
|
Borrower Payment Dependent Notes Series
481859
This series of Notes was issued and sold upon the funding of the borrower loan #45182, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $1,000.00 |
Prosper Rating:
| D |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 10.80% |
Auction start date:
| Oct-28-2010 |
| |
Auction end date:
| Nov-01-2010 |
|
|
Starting lender yield:
| 26.50% |
Starting borrower rate/APR:
| 27.50% / 33.56% |
Starting monthly payment:
| $41.09 |
|
Final lender yield:
| 26.50% |
Final borrower rate/APR:
| 27.50% / 33.56% |
Final monthly payment:
| $41.09 |
| |
|
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):
| 8 |
First credit line:
| Apr-1982 |
Debt/Income ratio:
| 8% |
|
Credit score:
| 660-679 (Oct-2010) |
Inquiries last 6m:
| 2 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 3
/
3 | Length of status: | 28y 9m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 9 |
Occupation: | Food Service |
|
Public records last 12m / 10y:
| 0/ 1 |
Revolving credit balance:
| $423 | Stated income: | $50,000-$74,999 |
|
Delinquencies in last 7y:
| 25 |
Bankcard utilization:
| 52% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| cash-pinnacle4 |
Borrower's state:
| Georgia |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
cash-pinnacle4
Purpose of loan:
This loan will be used to fund several needs in our? family.? We currently need some tires for our truck and also a new washer and dryer.
My financial situation:
I am a good candidate for this loan because I have been employed with the same company for almost 29 years.? While I have had credit problems in the past?but have recently worked extremely hard to pay on time.? I am trying my best to monitor my credit and do all that I can to increase my credit score.?
Monthly net income: $ 4400
Monthly expenses: $
??Housing: $?500
??Insurance: $ 305
??Car expenses: $?300
??Utilities: $ 350
??Phone, cable, internet: $ 185
??Food, entertainment: $ 800
??Clothing, household expenses $ 100
??Credit cards and other loans: $?500
??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) |
|
| IPG1 | $25.00 | $25.00 | 10/28/2010 3:17:44 PM |
| BankOfShaun | $25.00 | $25.00 | 10/28/2010 3:18:51 PM |
| suave-dime6 | $25.00 | $25.00 | 10/28/2010 3:33:33 PM |
| velocity-solo | $25.00 | $12.46 | 10/29/2010 9:45:16 AM |
| interstellar | $50.00 | $50.00 | 10/29/2010 3:09:05 PM |
| exchange-dreams | $25.00 | $25.00 | 10/30/2010 8:54:55 AM |
| crab-e-bill | $32.54 | $32.54 | 10/30/2010 5:40:59 PM |
| FundMaker | $25.00 | $25.00 | 10/30/2010 9:13:21 AM |
| DHolly | $30.00 | $30.00 | 10/31/2010 8:27:25 AM |
| bid-czar8 | $25.00 | $25.00 | 10/28/2010 3:02:20 PM |
| valiant-liberty4 | $25.00 | $25.00 | 10/28/2010 3:32:22 PM |
| simplelender80 | $200.00 | $200.00 | 10/28/2010 3:05:59 PM |
| beakerfish | $50.00 | $50.00 | 10/28/2010 5:49:46 PM |
| radiant-loan5 | $200.00 | $200.00 | 10/28/2010 3:30:23 PM |
| transaction-circuit | $50.00 | $50.00 | 10/28/2010 3:31:57 PM |
| SolarMoonshine | $25.00 | $25.00 | 10/28/2010 5:25:26 PM |
| parsec9 | $25.00 | $25.00 | 10/29/2010 12:54:19 AM |
| Artist_Blue | $25.00 | $25.00 | 10/29/2010 9:33:20 AM |
| frogperson | $100.00 | $100.00 | 10/30/2010 11:53:07 AM |
| donenzo | $25.00 | $25.00 | 10/31/2010 6:37:00 AM |
| 20 bids
|
Borrower Payment Dependent Notes Series
481873
This series of Notes was issued and sold upon the funding of the borrower loan #45176, which corresponds to this series of Notes. The following information pertains to the borrower loan.
|
Amount:
| $7,500.00 |
Prosper Rating:
| B |
Auction Duration:
| 7 days
|
|
Term:
| 36 months |
Estimated loss:
| 5.95% |
Auction start date:
| Oct-28-2010 |
| |
Auction end date:
| Nov-03-2010 |
|
|
Starting lender yield:
| 13.90% |
Starting borrower rate/APR:
| 14.90% / 17.07% |
Starting monthly payment:
| $259.62 |
|
Final lender yield:
| 13.90% |
Final borrower rate/APR:
| 14.90% / 17.07% |
Final monthly payment:
| $259.62 |
| |
|
Auction yield range:
| 5.71% - 13.90% |
Estimated loss impact:
| 6.18% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 7.72% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 8 |
First credit line:
| Oct-1990 |
Debt/Income ratio:
| 14% |
|
Credit score:
| 740-759 (Oct-2010) |
Inquiries last 6m:
| 3 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 14
/
14 | Length of status: | 3y 11m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 20 |
Occupation: | Other |
|
Public records last 12m / 10y:
| 1/ 1 |
Revolving credit balance:
| $4,624 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 1 |
Bankcard utilization:
| 9% | | |
| | |
Homeownership:
| No | | |
|
Screen name:
| futurefloridian |
Borrower's state:
| NewYork |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Description
florida duplex
Purpose of loan:
This loan will be used to? THE PURPOSE OF THIS LOAN IS TO TRY TO PURCHASE THE OTHER HALF OF DUPLEX THAT I OWN IN FLORIDA.
My financial situation:
I am a good candidate for this loan because?I BELEIVE THAT I AM A GOOD CANDIDATE FOR THIS JOB BECAUSE,1 STEADY WORK HISTORY,I HAVE?2 RENTAL INCOME FROM CURRENT PROPERTY THAT I CURRENTLY OWN IN FLORIDA?ALONG WITH ANOTHER PROPERTY THAT WILL SOON BE RENTED WITH IN 1 -2 MONTHS,I AM ALSO WORKING EXTRA HOURS TO COVER LOAN AMOUNT.
Monthly net income: $3,000
expenses: $
??Housing: $ 400
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $ 400
??Credit cards and other loans: $ 400
??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) |
|
| doncm | $50.00 | $50.00 | 10/28/2010 3:03:13 PM |
| narblark | $50.00 | $50.00 | 10/28/2010 3:03:04 PM |
| loyalty-sherpa | $50.00 | $50.00 | 10/28/2010 3:35:45 PM |
| valiant-liberty4 | $25.00 | $25.00 | 10/28/2010 3:35:49 PM |
| best-deal-banker | $25.00 | $25.00 | 10/28/2010 3:47:00 PM |
| GElender | $50.00 | $50.00 | 10/28/2010 3:25:01 PM |
| williemc44 | $50.00 | $50.00 | 10/28/2010 3:25:05 PM |
| the-profit-oracle | $25.00 | $25.00 | 10/28/2010 3:34:16 PM |
| brazilofmux | $100.00 | $100.00 | 10/28/2010 3:34:23 PM |
| bold-durability-drum | $50.00 | $50.00 | 10/28/2010 3:30:32 PM |
| natural-affluence4 | $25.00 | $25.00 | 10/28/2010 3:30:49 PM |
| BxRealtor | $25.00 | $25.00 | 10/28/2010 3:31:28 PM |
| mizon291 | $50.00 | $50.00 | 10/28/2010 9:59:18 PM |
| radforj22 | $25.00 | $25.00 | 10/28/2010 3:32:02 PM |
| organized-payment6 | $25.00 | $25.00 | 10/28/2010 3:33:26 PM |
| studious-bonus7 | $100.00 | $100.00 | 10/28/2010 3:33:42 PM |
| nickel-ferret | $50.00 | $50.00 | 10/28/2010 3:34:38 PM |
| bentheretoo | $100.00 | $100.00 | 10/28/2010 10:40:06 PM |
| csarradio | $25.00 | $25.00 | 10/29/2010 5:03:40 AM |
| graceful-investment | $49.19 | $49.19 | 10/29/2010 2:36:38 PM |
| first-serene-credit | $100.00 | $100.00 | 10/29/2010 6:31:37 PM |
| Hogpilot | $25.00 | $25.00 | 10/30/2010 5:43:03 AM |
| laufer32304 | $50.00 | $50.00 | 10/30/2010 10:06:24 AM |
| a-finance-nirvana | $25.00 | $25.00 | 10/30/2010 4:42:43 AM |
| riproaringrapids | $25.00 | $25.00 | 10/30/2010 7:00:05 AM |
| flopcat | $25.00 | $25.00 | 10/30/2010 2:08:13 PM |
| rjleves | $50.00 | $50.00 | 10/30/2010 2:23:33 PM |
| zeelender | $25.00 | $25.00 | 10/31/2010 2:08:50 PM |
| irrelevant | $25.00 | $25.00 | 10/31/2010 6:57:58 PM |
| g314 | $30.00 | $30.00 | 10/31/2010 11:49:06 PM |
| alpinaut | $25.00 | $25.00 | 11/1/2010 4:48:42 AM |
| tolerant-dinero2 | $25.00 | $25.00 | 11/1/2010 10:17:23 AM |
| orange-dollar-guild | $25.00 | $25.00 | 11/1/2010 6:58:48 AM |
| gracej | $25.00 | $25.00 | 11/1/2010 4:17:30 PM |
| astute-benjamins | $150.00 | $150.00 | 11/1/2010 4:46:06 PM |
| rjrventure | $75.00 | $75.00 | 11/1/2010 4:31:39 PM |
| CAGE-Investments | $25.00 | $25.00 | 11/1/2010 6:42:15 PM |
| Tradesmanlender | $28.96 | $28.96 | 11/1/2010 6:54:03 PM |
| careful-currency5 | $25.00 | $25.00 | 11/2/2010 6:38:33 AM |
| peerlender | $25.00 | $25.00 | 11/2/2010 2:05:55 AM |
| colorfulgardener | $25.00 | $25.00 | 11/2/2010 3:56:35 AM |
| credit-panda1 | $25.00 | $25.00 | 11/2/2010 8:56:47 AM |
| Tomeus | $75.00 | $75.00 | 11/2/2010 9:03:20 AM |
| flexible-return297 | $32.44 | $32.44 | 11/2/2010 9:42:54 AM |
| ichibon | $150.00 | $150.00 | 11/2/2010 8:13:30 AM |
| 13nd3r | $25.00 | $25.00 | 11/2/2010 9:44:22 AM |
| TrustPlus | $43.39 | $43.39 | 11/2/2010 9:52:16 AM |
| irishalaskan | $25.00 | $25.00 | 11/2/2010 10:46:53 AM |
| greenback-guard | $25.00 | $25.00 | 11/2/2010 1:22:44 PM |
| point-shooter | $50.00 | $50.00 | 11/2/2010 2:09:19 PM |
| resplendent-dollar | $50.00 | $50.00 | 11/2/2010 2:33:46 PM |
| Goodthing | $250.00 | $250.00 | 11/2/2010 3:23:33 PM |
| Cheburashka | $25.00 | $25.00 | 11/2/2010 2:56:46 PM |
| pischkoa | $25.00 | $25.00 | 11/2/2010 4:33:32 PM |
| cybernosha | $25.00 | $25.00 | 11/2/2010 5:20:33 PM |
| maldok1 | $25.00 | $25.00 | 11/2/2010 4:16:19 PM |
| honey-money | $25.00 | $25.00 | 11/2/2010 4:22:19 PM |
| chinolatino | $25.00 | $25.00 | 11/2/2010 4:43:03 PM |
| comet55 | $25.00 | $25.00 | 11/2/2010 6:43:39 PM |
| investment-comet | $25.00 | $25.00 | 11/2/2010 9:14:48 PM |
| Josphine | $25.00 | $25.00 | 11/3/2010 5:37:47 AM |
| Kessler | $25.46 | $25.46 | 11/3/2010 12:57:24 AM |
| sosleep | $25.00 | $25.00 | 11/3/2010 6:47:54 AM |
| SelectTrustLending | $25.00 | $25.00 | 11/3/2010 7:53:20 AM |
| brother_tam | $50.00 | $50.00 | 11/3/2010 7:16:32 AM |
| rate-negotiator | $25.00 | $25.00 | 11/3/2010 9:18:50 AM |
| mlb1 | $25.00 | $25.00 | 11/3/2010 9:41:59 AM |
| intuitive-camaraderi9 | $25.00 | $25.00 | 11/3/2010 10:24:06 AM |
| ladderskibum | $25.00 | $25.00 | 11/3/2010 10:24:51 AM |
| dedicated-transaction796 | $50.00 | $50.00 | 11/3/2010 9:35:46 AM |
| melodious-fairness | $25.00 | $17.44 | 11/3/2010 10:41:41 AM |
| totoro | $25.00 | $25.00 | 11/3/2010 2:12:58 PM |
| unfixer | $25.00 | $25.00 | 11/3/2010 3:37:16 PM |
| wlm3012 | $25.00 | $25.00 | 11/3/2010 5:42:13 PM |
| grampy48 | $25.00 | $25.00 | 11/3/2010 7:17:06 PM |
| Nailman88 | $25.00 | $25.00 | 11/3/2010 7:30:55 PM |
| skuba | $25.00 | $25.00 | 10/28/2010 3:31:21 PM |
| handshake5 | $100.00 | $100.00 | 10/28/2010 3:31:38 PM |
| enthralling-deal180 | $50.00 | $50.00 | 10/28/2010 3:33:17 PM |
| subtle-revenue0 | $25.00 | $25.00 | 10/28/2010 3:33:20 PM |
| Weaverville | $50.00 | $50.00 | 10/28/2010 3:21:29 PM |
| teller | $50.00 | $50.00 | 10/28/2010 3:30:03 PM |
| ray1051 | $25.00 | $25.00 | 10/28/2010 3:30:09 PM |
| jazzlender | $50.00 | $50.00 | 10/28/2010 3:25:32 PM |
| GCInvestments | $25.00 | $25.00 | 10/28/2010 3:31:53 PM |
| jdwillcox | $100.00 | $100.00 | 10/28/2010 3:33:12 PM |
| ogmanny | $50.00 | $50.00 | 10/28/2010 3:34:07 PM |
| mjunlimited | $50.00 | $50.00 | 10/28/2010 3:30:17 PM |
| point-kitten6 | $50.00 | $50.00 | 10/28/2010 3:31:47 PM |
| rescue | $100.00 | $100.00 | 10/28/2010 3:32:10 PM |
| Artist_Blue | $25.00 | $25.00 | 10/29/2010 6:03:11 AM |
| tntmojave | $25.00 | $25.00 | 10/28/2010 11:49:34 PM |
| gjh37 | $50.00 | $50.00 | 10/29/2010 6:52:29 AM |
| HoyaHeel | $25.00 | $25.00 | 10/29/2010 6:52:37 AM |
| coin-investor | $25.00 | $25.00 | 10/29/2010 8:48:46 AM |
| velocity-solo | $25.00 | $25.00 | 10/29/2010 9:43:02 AM |
| jga516 | $25.00 | $25.00 | 10/29/2010 9:51:59 AM |
| efficient-treasure0 | $25.00 | $25.00 | 10/29/2010 11:26:18 AM |
| mla | $25.00 | $25.00 | 10/29/2010 11:26:27 AM |
| zone6 | $50.00 | $50.00 | 10/29/2010 12:30:15 PM |
| successful-agreement7 | $100.00 | $100.00 | 10/29/2010 3:11:16 PM |
| julijask | $35.00 | $35.00 | 10/30/2010 3:41:59 AM |
| money-bauble | $25.00 | $25.00 | 10/30/2010 7:38:02 AM |
| FinDoc | $25.00 | $25.00 | 10/30/2010 2:35:34 AM |
| simplelender80 | $100.00 | $100.00 | 10/30/2010 7:47:26 AM |
| MM1207 | $25.00 | $25.00 | 10/30/2010 8:10:33 AM |
| dollardave | $100.00 | $100.00 | 10/30/2010 5:01:03 PM |
| generous-deal6 | $50.00 | $50.00 | 10/30/2010 5:25:18 PM |
| inspiring-reward | $75.00 | $75.00 | 10/30/2010 7:23:09 PM |
| tech310 | $50.00 | $50.00 | 10/31/2010 9:43:17 PM |
| spudbeach | $55.14 | $55.14 | 10/31/2010 10:34:41 PM |
| the-money-position | $38.10 | $38.10 | 10/31/2010 9:24:33 PM |
| goodfaithAK | $25.00 | $25.00 | 11/1/2010 12:49:44 AM |
| plentiful-reward | $50.00 | $50.00 | 11/1/2010 6:57:32 AM |
| Interstate_Rate | $50.00 | $50.00 | 11/1/2010 7:28:38 AM |
| indomitable-coin | $50.00 | $50.00 | 11/1/2010 8:58:05 AM |
| reward-tsunami7 | $34.88 | $34.88 | 11/1/2010 1:53:40 PM |
| larrybird | $150.00 | $150.00 | 11/1/2010 11:41:28 AM |
| taylor883 | $50.00 | $50.00 | 11/1/2010 4:14:09 PM |
| SoCalRancher | $25.00 | $25.00 | 11/1/2010 4:15:19 PM |
| credible-balance0 | $25.00 | $25.00 | 11/1/2010 4:10:43 PM |
| blissful-responsibility4 | $25.00 | $25.00 | 11/1/2010 4:14:07 PM |
| wtrboy | $50.00 | $50.00 | 11/1/2010 4:21:04 PM |
| 108lender | $150.00 | $150.00 | 11/1/2010 4:46:09 PM |
| ti22ring | $25.00 | $25.00 | 11/1/2010 6:41:17 PM |
| Aimvest | $25.00 | $25.00 | 11/1/2010 6:52:16 PM |
| peripatetic | $25.00 | $25.00 | 11/2/2010 2:05:35 AM |
| tearingstar | $50.00 | $50.00 | 11/1/2010 8:44:24 PM |
| icchok | $50.00 | $50.00 | 11/2/2010 5:56:44 AM |
| Pacific-Bank | $50.00 | $50.00 | 11/1/2010 10:32:02 PM |
| Georgia_Boy | $50.00 | $50.00 | 11/2/2010 5:48:42 AM |
| dogbait | $50.00 | $50.00 | 11/2/2010 8:41:53 AM |
| inspired-investment8 | $50.00 | $50.00 | 11/2/2010 8:59:17 AM |
| CaptainBlueberry | $25.00 | $25.00 | 11/2/2010 7:03:50 AM |
| PatRichi | $25.00 | $25.00 | 11/2/2010 9:15:02 AM |
| balanced-bill7 | $50.00 | $50.00 | 11/2/2010 7:28:45 AM |
| flwah | $25.00 | $25.00 | 11/2/2010 7:43:28 AM |
| kegs | $150.00 | $150.00 | 11/2/2010 9:52:25 AM |
| Loan-Mart | $100.00 | $100.00 | 11/2/2010 7:59:45 AM |
| economy-producer | $25.00 | $25.00 | 11/2/2010 9:11:51 AM |
| checkuto | $25.00 | $25.00 | 11/2/2010 9:37:09 AM |
| mattpet | $25.00 | $25.00 | 11/2/2010 9:44:47 AM |
| deal-vibrato | $50.00 | $50.00 | 11/2/2010 10:15:41 AM |
| outofoffice | $50.00 | $50.00 | 11/2/2010 10:11:03 AM |
| galvatron | $50.00 | $50.00 | 11/2/2010 10:15:34 AM |
| gristle | $50.00 | $50.00 | 11/2/2010 1:38:10 PM |
| Phantom99 | $25.00 | $25.00 | 11/2/2010 12:56:58 PM |
| psa1995 | $50.00 | $50.00 | 11/2/2010 12:30:56 PM |
| wampum-chorus3 | $25.00 | $25.00 | 11/2/2010 2:34:25 PM |
| Papa_Mema | $25.00 | $25.00 | 11/2/2010 3:27:39 PM |
| affluence-tycoon | $25.00 | $25.00 | 11/2/2010 3:32:29 PM |
| missing-link | $50.00 | $50.00 | 11/2/2010 4:00:20 PM |
| chlebie | $50.00 | $50.00 | 11/2/2010 4:04:48 PM |
| best-coin-miser | $25.00 | $25.00 | 11/2/2010 4:30:40 PM |
| balance6 | $25.00 | $25.00 | 11/2/2010 4:48:28 PM |
| PK_USMC | $25.00 | $25.00 | 11/2/2010 4:33:24 PM |
| aggresive-commitment | $25.00 | $25.00 | 11/2/2010 5:20:08 PM |
| rancher7 | $25.00 | $25.00 | 11/2/2010 8:08:57 PM |
| jfreaksho | $25.00 | $25.00 | 11/2/2010 6:54:37 PM |
| ptjg | $50.00 | $50.00 | 11/3/2010 1:31:45 AM |
| ideal-platinum1 | $25.00 | $25.00 | 11/3/2010 2:38:08 AM |
| mikrolown | $25.00 | $25.00 | 11/3/2010 8:08:12 AM |
| jamiee73 | $25.00 | $25.00 | 11/3/2010 6:08:24 AM |
| horse697 | $50.00 | $50.00 | 11/3/2010 5:25:57 AM |
| anders94 | $25.00 | $25.00 | 11/3/2010 8:44:02 AM |
| grf1945 | $50.00 | $50.00 | 11/3/2010 9:28:13 AM |
| iamricher | $25.00 | $25.00 | 11/3/2010 10:24:52 AM |
| orlowf | $50.00 | $50.00 | 11/3/2010 10:26:36 AM |
| bill-mushroom | $25.00 | $25.00 | 11/3/2010 10:24:21 AM |
| lagnisiruk | $25.00 | $25.00 | 11/3/2010 10:24:31 AM |
| Boca | $35.00 | $35.00 | 11/3/2010 10:25:07 AM |
| xchach1ng | $25.00 | $25.00 | 11/3/2010 2:32:49 PM |
| LesPaul1 | $25.00 | $25.00 | 11/3/2010 3:49:16 PM |
| 1stAmericanCapital | $25.00 | $25.00 | 11/3/2010 3:53:31 PM |
| 174 bids
|
Borrower Payment Dependent Notes Series
481999
This series of Notes was issued and sold upon the funding of the borrower loan #45194, 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:
| 9.80% |
Auction start date:
| Oct-28-2010 |
| |
Auction end date:
| Nov-04-2010 |
|
|
Starting lender yield:
| 24.75% |
Starting borrower rate/APR:
| 25.75% / 29.26% |
Starting monthly payment:
| $301.18 |
|
Final lender yield:
| 24.75% |
Final borrower rate/APR:
| 25.75% / 29.27% |
Final monthly payment:
| $301.18 |
| |
|
Auction yield range:
| 10.71% - 24.75% |
Estimated loss impact:
| 10.41% | | |
|
Lender servicing fee:
| 1.00% |
Estimated return:
| 14.34% | | |
The Estimated Return is presented to help you evaluate this listing and set an appropriate minimum yield and bid amount. Estimated Return is the average annual expected return on funds invested in this loan and is calculated by subtracting the estimated impact of credit losses on the loan from the minimum yield. The estimated impact of credit losses is derived from the following components: The estimated average annualized loss rate based on the historical performance of Prosper loans for borrowers with similar characteristics, originated between Apr-01-2007 and Mar-31-2008, measured as of Mar-31-2009, and an adjustment for accrued interest not collected and late fees on defaulted loans.The Estimated Return presented does not assume any early repayment by the borrower. The calculation of Estimated Return requires significant assumptions about the repayment of the loan and lenders should make their own judgments with respect to the accuracy of these assumptions. Actual performance may differ from estimated performance.
Borrower's Credit Profile
|
Prosper score (1-10):
| 7 |
First credit line:
| Sep-1998 |
Debt/Income ratio:
| 50% |
|
Credit score:
| 760-779 (Oct-2010) |
Inquiries last 6m:
| 0 | Employment status: | Employed |
|
Now delinquent:
| 0 |
Current / open credit lines:
| 13
/
12 | Length of status: | 3y 9m |
|
Amount delinquent:
| $0 |
Total credit lines:
| 32 |
Occupation: | Analyst |
|
Public records last 12m / 10y:
| 0/ 0 |
Revolving credit balance:
| $17,718 | Stated income: | $25,000-$49,999 |
|
Delinquencies in last 7y:
| 0 |
Bankcard utilization:
| 49% | | |
| | |
Homeownership:
| Yes | | |
|
Screen name:
| frodo70 |
Borrower's state:
| Minnesota |
Borrower's group:
| N/A |
Credit and homeownership information was obtained from borrower's credit report and displayed without having been verified.
Employment and income was provided by borrower and displayed without having been verified.
Prosper Activity
| Loan history | Payment history | Credit score history |
|
Active / total loans:
| 1 / 1 |
On-time:
| 28 ( 100% )
| 760-779 (Latest)
|
|
Principal borrowed:
| $15,000.00 | < 31 days late:
| 0
( 0% )
| 760-779
(Sep-2010)
760-779
(Jul-2010)
720-739
(Apr-2010)
700-719
(Aug-2009)
|
|
Principal balance:
| $4,062.61 |
31+ days late:
| 0
( 0% )
|
|
Total payments billed:
| 28 | | |
Description
Consolidating CC's and loans!
Looking to consolidate CC's and loans and consolidate into one final loan. I have made great progress with the first loan I received from Prosper and will also being paying that off with this loan. Any help with getting me in this better financial position would be greatly appreciated.
My financial situation:
I am a good candidate?because I have been working diligently for the last two years in lowering my debt and increasing my credit rating and have done so. ?Also, I already have a prosper loan that?I have never missed a payment on.
Monthly net income: $ 3200
Monthly expenses: $ 2700
??Housing: $ 675.00
??Insurance: $ 67.88
??Car expenses: $ 263.00
??Utilities: $ 150.0
??Phone, cable, internet: $ 60.00
??Food, entertainment: $ 300.00
??Clothing, household expenses $ 50.00
??Credit cards and other loans: $ 1000.00
Information in the Description is not verified.
Friends And Family Winning Bids
This member has no winning bids from friends and family.
Questions & Answers
This borrower has not publicly answered any questions from lenders.
Winning Bids
| Bidder | Amount Bid | Amount Winning | Bid Date (PT) |
|
| simplelender80 | $200.00 | $200.00 | 10/28/2010 3:36:07 PM |
| 87Marc | $25.00 | $25.00 | 10/28/2010 10:08:05 PM |
| valiant-liberty4 | $25.00 | $25.00 | 10/28/2010 3:32:36 PM |
| JustMee | $25.00 | $25.00 | 10/28/2010 8:13:35 PM |
| parsec9 | $25.00 | $25.00 | 10/29/2010 12:54:04 AM |
| reflective-rupee | $33.00 | $33.00 | 10/29/2010 9:43:58 AM |
| velocity-solo | $25.00 | $25.00 | 10/29/2010 9:45:44 AM |
| Artist_Blue | $25.00 | $25.00 | 10/29/2010 9:32:56 AM |
| SDNLR | $25.00 | $25.00 | 10/29/2010 9:54:37 AM |
| bid-czar8 | $25.00 | $25.00 | 10/29/2010 6:28:27 PM |
| suave-dime6 | $25.00 | $25.00 | 10/29/2010 3:13:14 PM |
| graceful-investment | $25.00 | $25.00 | 10/30/2010 2:18:03 PM |
| ZPBSFinancialGroup | $25.00 | $25.00 | 10/30/2010 3:49:14 PM |
| frogperson | $250.00 | $250.00 | 10/30/2010 11:55:30 AM |
| silvercertificate | $25.00 | $25.00 | 10/30/2010 6:21:57 PM |
| tech310 | $25.00 | $25.00 | 10/31/2010 9:43:49 PM |
| marinbb | $50.00 | $50.00 | 10/31/2010 4:37:28 PM |
| worthy-bid4 | $50.00 | $50.00 | 11/1/2010 6:44:02 PM |
| kulender | $50.00 | $50.00 | 11/2/2010 6:20:37 AM |
| bannybucks | $25.00 | $25.00 | 11/2/2010 4:23:28 AM |
| economy-producer | $25.00 | $25.00 | 11/2/2010 9:14:16 AM |
| kendigme | $25.00 | $25.00 | 11/2/2010 10:10:43 AM |
| reflective-rupee | $44.00 | $44.00 | 11/2/2010 11:37:20 AM |
| reflective-rupee | $44.00 | $44.00 | 11/2/2010 11:37:39 AM |
| reflective-rupee | $44.00 | $44.00 | 11/2/2010 11:38:12 AM |
| nilonc1 | $172.08 | $172.08 | 11/2/2010 12:22:12 PM |
| missing-link | $100.00 | $100.00 | 11/2/2010 2:17:28 PM |
| greenback-guard | $25.00 | $25.00 | 11/2/2010 3:01:44 PM |
| IIP77 | $25.00 | $25.00 | 11/2/2010 3:59:34 PM |
| red-favorable-basis | $25.00 | $25.00 | 11/3/2010 9:29:29 AM |
| tearingstar | $35.00 | $35.00 | 11/3/2010 3:06:24 PM |
| best-coin-miser | $25.00 | $25.00 | 11/3/2010 3:05:27 PM |
| sagan | $25.00 | $25.00 | 11/3/2010 4:04:29 PM |
| asiaratt | $50.00 | $50.00 | 11/3/2010 3:58:41 PM |
| bstlndlrd207 | $150.00 | $150.00 | 11/3/2010 4:49:47 PM |
| vigorous-velocity | $100.00 | $100.00 | 11/3/2010 8:34:10 PM |
| power-secret-agent | $25.00 | $25.00 | 11/4/2010 4:01:24 AM |
| power-secret-agent | $25.00 | $25.00 | 11/4/2010 4:01:42 AM |
| supreme-hope | $25.00 | $25.00 | 11/4/2010 7:22:24 AM |
| musegaze | $50.82 | $50.82 | 11/4/2010 4:41:15 AM |
| Barrayaran | $25.00 | $25.00 | 11/4/2010 5:44:19 AM |
| Katburg | $25.00 | $25.00 | 11/4/2010 6:09:52 AM |
| Mrgiggleswic | $25.00 | $25.00 | 11/4/2010 10:06:16 AM |
| blackstar | $25.00 | $25.00 | 11/4/2010 9:03:36 AM |
| kegs | $100.00 | $100.00 | 11/4/2010 11:07:59 AM |
| Speculator | $100.00 | $100.00 | 11/4/2010 11:20:25 AM |
| best-magical-dollar | $51.09 | $51.09 | 11/4/2010 10:29:03 AM |
| skuba | $25.00 | $25.00 | 11/4/2010 11:19:32 AM |
| TackingWindward | $25.00 | $25.00 | 11/4/2010 1:41:40 PM |
| FeedTheMachine | $29.65 | $29.65 | 11/4/2010 2:38:33 PM |
| loss-of-control | $50.00 | $50.00 | 11/4/2010 2:32:15 PM |
| larrybird | $450.00 | $450.00 | 11/4/2010 2:43:02 PM |
| kegs | $350.00 | $261.19 | 11/4/2010 2:44:16 PM |
| radar_love | $25.00 | $25.00 | 11/4/2010 2:44:53 PM |
| payout-reaction740 | $25.00 | $25.00 | 11/4/2010 2:56:01 PM |
| Moe87 | $25.00 | $25.00 | 11/4/2010 3:03:00 PM |
| dedicated-diversification5 | $36.52 | $36.52 | 10/28/2010 5:26:18 PM |
| top-courteous-peso | $50.00 | $50.00 | 10/28/2010 3:29:37 PM |
| radiant-loan5 | $200.00 | $200.00 | 10/28/2010 3:31:13 PM |
| Mr-Miracle | $25.00 | $25.00 | 10/28/2010 8:33:20 PM |
| NekHoldings | $25.00 | $25.00 | 10/29/2010 5:48:01 AM |
| Trakissta | $150.00 | $150.00 | 10/28/2010 6:51:45 PM |
| blue-useful-auction | $25.00 | $25.00 | 10/29/2010 10:05:03 AM |
| successful-agreement7 | $100.00 | $100.00 | 10/29/2010 2:38:49 PM |
| inspiring-reward | $92.52 | $92.52 | 10/31/2010 2:11:36 PM |
| handshake5 | $28.78 | $28.78 | 10/31/2010 10:29:13 PM |
| platinum-celebration4 | $25.00 | $25.00 | 11/1/2010 9:40:14 AM |
| all_of_that_one | $35.00 | $35.00 | 11/1/2010 3:43:15 PM |
| natural-greenback6 | $25.00 | $25.00 | 11/1/2010 4:34:21 PM |
| 108lender | $100.00 | $100.00 | 11/1/2010 4:47:28 PM |
| Moe87 | $25.00 | $25.00 | 11/2/2010 4:02:46 AM |
| flwah | $25.00 | $25.00 | 11/2/2010 7:49:17 AM |
| silvercertificate | $25.00 | $25.00 | 11/2/2010 10:26:05 AM |
| reflective-rupee | $44.00 | $44.00 | 11/2/2010 11:37:58 AM |
| good4loan | $25.00 | $25.00 | 11/2/2010 1:46:38 PM |
| nickel-hickory | $25.00 | $25.00 | 11/2/2010 3:01:59 PM |
| well-mannered-income3 | $50.00 | $50.00 | 11/2/2010 8:27:39 PM |
| worthy-bid8 | $25.00 | $25.00 | 11/3/2010 7:24:26 AM |
| kendigme | $25.00 | $25.00 | 11/3/2010 3:04:29 AM |
| profit-powerplant | $50.00 | $50.00 | 11/3/2010 9:44:58 AM |
| larrybird | $137.66 | $137.66 | 11/3/2010 12:06:42 PM |
| Magog12 | $25.00 | $25.00 | 11/3/2010 3:02:58 PM |
| GElender | $50.00 | $50.00 | 11/3/2010 2:59:28 PM |
| NoCal | $30.00 | $30.00 | 11/3/2010 3:05:35 PM |
| shmb6508 | $50.00 | $50.00 | 11/3/2010 4:03:06 PM |
| TakeCare | $60.00 | $60.00 | 11/3/2010 4:03:50 PM |
| five-star-note | $150.00 | $150.00 | 11/3/2010 10:21:58 PM |
| brother_tam | $700.00 | $700.00 | 11/3/2010 9:21:16 PM |
| Aberdeen | $999.00 | $999.00 | 11/3/2010 9:23:27 PM |
| Bob450 | $30.00 | $30.00 | 11/3/2010 10:11:18 PM |
| E-B | $50.00 | $50.00 | 11/4/2010 3:19:31 AM |
| teller | $50.00 | $50.00 | 11/3/2010 10:43:29 PM |
| resplendent-dollar | $25.00 | $25.00 | 11/3/2010 11:23:21 PM |
| power-secret-agent | $25.00 | $25.00 | 11/4/2010 4:01:11 AM |
| mindful-cash6 | $25.00 | $25.00 | 11/4/2010 7:23:37 AM |
| reflective-cash0 | $50.00 | $50.00 | 11/4/2010 8:33:15 AM |
| head | $25.00 | $25.00 | 11/4/2010 6:43:34 AM |
| gain-gourd | $50.00 | $50.00 | 11/4/2010 9:37:28 AM |
| economy-popcorn | $25.00 | $25.00 | 11/4/2010 8:09:46 AM |
| money-bauble | $25.00 | $25.00 | 11/4/2010 9:52:23 AM |
| listing-trapper3 | $50.00 | $50.00 | 11/4/2010 11:20:51 AM |
| greenback-bull6 | $50.00 | $50.00 | 11/4/2010 10:18:58 AM |
| noble-revenue | $50.00 | $50.00 | 11/4/2010 1:22:43 PM |
| heerzaquestion | $25.00 | $25.00 | 11/4/2010 1:42:31 PM |
| heerzaquestion | $25.00 | $25.00 | 11/4/2010 1:43:49 PM |
| iolaire | $25.00 | $25.00 | 11/4/2010 12:23:01 PM |
| LittleMingo | $30.00 | $30.00 | 11/4/2010 1:37:06 PM |
| shrewd-peace7 | $36.69 | $36.69 | 11/4/2010 2:24:28 PM |
| treasure-bliss | $50.00 | $50.00 | 11/4/2010 2:39:21 PM |
| loss-of-control | $50.00 | $50.00 | 11/4/2010 2:31:55 PM |
| 110 bids
|