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

Prosper Increases Allocation to Fractional Pool

By Prosper on 07/30/15   [ 0 ]

Posted by Eric Thaller To improve the investing experience for Prosper’s community, Prosper recently made a change to its platform. Prosper started increasing the allocation of loans to the fractional pool over the last week, so that retail investors can invest more in the fractional pool faster and easier. Prosper’s CEO, Aaron Vermut, alluded to [...]

Read More

Prosper Introduces Debt Sale Program

By Prosper on 07/21/15   [ 0 ]

By Eric Thaller As part of our ongoing efforts to improve the investor experience on the Prosper platform, we are making changes to the way we deal with charged-off loans.  On July 17th, Prosper introduced a debt sale recovery strategy aimed at delivering an increased level of return for investors in a more timely manner. [...]

Read More

Prosper Opens for Business to Investors in Indiana

By Prosper on 07/13/15   [ 2 ]

Posted By Eric Thaller Today we announced that the Prosper platform is now available to investors in Indiana. With the addition of Indiana, Prosper is now open to investors in 32 states and the District of Columbia. We appreciate the work of the state regulators to bring this investment opportunity to its residents. As one [...]

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.