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Prosper Ratings Retroscore Data File (October 2011)

by Prosper on 10/18/11

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.

DataFile-2011-10-14.zip

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.


  • Dave

    I was wondering why prosper “STILL” has not put totals at the bottom of their pages yet?

    As I understand from speaking with them is that they used to be their but removed them for some reason?

    This would especially be helpful when you bring up your “NOTES PAID” under your history window to help calculate the average amount your reviving each month from each note!

    Second,

    I still am of a very strong opinion that we need to be going after the people who do not pay their notes especially those people who own houses!

    I also have had a person take out a loan and then file “BANKRUPTCY” within a few months!
    (THAT IS AN ILLEGAL THING TO DO!)
    It is like you are going to file Bankruptcy and you figure why not go on a spending spree and run up all your credit cards because you are going to file anyway and my debts will be dismissed anyway!

    I am interested in your thoughts on these “IDEAS”
    let me know,

    Thank you for your time….. Dave

    Also,

    I think Prosper is a great avenue to invest and I think that this is a great company …..

    “PROSPER SHOULD BE ONE OF YOUR INVESTMENTS!”

    “LOOK WHAT $25.00 INVESTMENT CAN DO!”


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