About Us  > Blog

Prosper Ratings Retroscore Data File

by Prosper on 08/10/11

From time to time we make revisions to the way that Prosper Ratings are calculated as part of prudent risk management of loans originated through Prosper.

For example, we may determine that a particular group of borrowers should be A-rated instead of B-rated. Once we make that decision, future applications from that date from those types of borrowers (or from other borrowers with comparable profiles) will be A-rated.

Note that current and closed listings are not affected by these changes. Those changes then raise the question of which Prosper Rating an older application might be assigned if it were to be evaluated freshly today.

To that end we create what we call “retroscores”. For example, Loan # 41515 was originally rated an A. Under the 4/28/2011 evaluation heuristic, however, it would have received an AA rating.

The file below contains retroscores for two of our more recent changes, dated April 28 and July 14 of this year. The file will be most useful for users of our Data Export and API tools, but all of our users are welcome to download and peruse it.

http://www.prosper.com/prm/data/ProsperRetroscoreDataFile-20110809.zip

NOTE: This file has more than 70,000 rows and therefore cannot be opened in Excel 2003. Additionally, be sure to load the LoanKey column as Text, as Excel 2007 will incorrectly convert some values to numbers upon opening.


Comments are closed.


posted in Lenders,Prosper News Comments Off

Connect with us

Search

Lenders

Karate Academy Improves Student Training with New Equipment

By Prosper on 03/4/15   [ 0 ]

Posted by Bill Walker Note: This post is based on a video submitted to our $2 Billion Strong Contest. To see more videos, visit our Facebook page. Kevin Johannes, a seventh degree black belt and owner of TASK Karate Academy, borrows through Prosper Loans because it offers him the best interest rates. But, that’s not [...]

Read More

Prosper Marketplace Partnership with Western Independent Bankers Expands Credit Opportunities for Small Banks and Their Customers

By Prosper on 02/26/15   [ 0 ]

We’re excited to announce today a partnership with Western Independent Bankers — a consortium of small community banks — that will give more banks the opportunity to offer credit to their customers, and more consumers access to affordable loans. Banks are under increasing pressure to deliver attractive interest rates for all consumers, and smaller banks [...]

Read More

Prosper Marketplace Announces Acquisition of American Healthcare Lending

By Prosper on 01/27/15   [ 0 ]

Today, Prosper Marketplace is excited to announce its first-ever acquisition — American Healthcare Lending, a leading patient financing platform. This is an important step in expanding our capabilities and bringing our product into a market where we believe it can make a positive impact. Healthcare lending is a growing industry, and one that we’re excited [...]

Read More

« Older Entries

Monthly Archive


Notice: Blogs and other materials posted on or linked from this page that use the name "Prosper" generally use that name to refer to Prosper Marketplace, Inc. if published before January 31, 2013 and to refer to Prosper Funding LLC if published on or after February 1, 2013.