We recently discussed better-than-expected returns for Prosper investors, particularly for loans taken out by returning borrowers, as well as the changes we were making in response.
Note that listings which were current or closed at the time of change were not affected. As we’ve done previously, however, we are providing a “retroscore” file that shows which Prosper Rating such an application might have been assigned if it were to be evaluated freshly under the heuristic used today.
The file below adds retroscores for our more recent change. 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.
NOTE: This file has more than 100,000 rows and therefore cannot be opened in Excel 2003. Additionally, this time around we have added a “|” character to the beginning of the LoanKey field to prevent later versions of Excel from incorrectly converting some values to numbers. You’ll want to remove the “|” before joining the file to outputs from our API or Data Export.