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June 18th, 2008 — , Groups, Listing Review, Prosper.com from RateLadder @ P2P Lending
My Prosper Group is proud to present our 3rd listing (2nd endorsed listing)… This listing is attempting to put the social in social capital.
The Penny Saved has been a known blogroll buddy of RateLadder for sometime. He asked me about this loan strategy about 2 months ago. This is a calculated decision [...]
Continue reading → Programmer and Blogger Seeks Credit Score Improvment Loan
May 29th, 2008 — , 5pm, Listing Review, Prosper.com, Statistics, Strategy, benefit, blog, blogger, circumstance, default portfolio, delinquencies, dti, duration, interest rate, moving target, portfolio plan, purchasing power, reputation from RateLadder @ P2P Lending
I have several bloggers ask for advice on their listings or potential listings… One of them even joined my group and successfully received a $25K loan at an interest rate he was happy with…
As a blogger the reputation of your blog has meaning for you both in terms of your persona, but also in real [...]
Continue reading → 8 Listing Strategies to get Best Prosper Loan Rate
May 2nd, 2008 — , Groups, Listing Review, Prosper.com, Strategy, Tools from RateLadder @ Rate Ladder
Any regular reader will know that last week I brought my first group listing to the marketplace. (As an aside, a group leader is no longer paid for successful listings and the haven’t been since September 13, 2007: Email To Group Leaders After Recent Changes. I think this was a good change and said [...]SHARETHIS.addEntry({ title: “Blogger Obtains Loan Using Social Capital”, url: “http://www.rateladder.com/2008/05/02/blogger-obtains-loan-using-social-capital/” });
Related StoresContinue reading → Blogger Obtains Loan Using Social Capital
April 24th, 2008 — , Listing Review from RateLadder @ Rate Ladder
My Prosper Group is proud to present our first listing… This listing is attmpting to put the social in social capital.
He has been a member of my group, following the p2p lending market and commenting on RateLadder for some time.
He is a computer programmer and independently runs the stock market blog deepmarket http://www.deepmarket.com
The loan [...]SHARETHIS.addEntry({ title: “Programmer and Blogger Seeks Debt Consolidation Loan”, url: “http://www.rateladder.com/2008/04/24/programmer-and-blogger-seeks-debt-consolidation-loan/” });
Continue reading → Programmer and Blogger Seeks Debt Consolidation Loan
February 12th, 2008 — , Listing Review, Prosper.com, Statistics, Strategy, Tools from RateLadder @ Rate Ladder
With my recent loan on Prosper I tried to keep an eye out for interesting stories along the way. In this case I found something I didn’t like as a lender… Prosper explicitly told me not to put up a 25K listing.
As a lender and data junkie I have known for some time that loans [...]
Continue reading → Prosper Steering Borrowers Away From 25K Loans
February 8th, 2008 — , Listing Review, Prosper.com from RateLadder @ Rate Ladder
So my loan on Prosper closed at a final rate of 9%. What was my social capital worth? Did being a known quantity in the Prosper community help?
To start with I decided to try and measure the average loan rate and standard deviation…
I used the ProProsper Loan Rate Analyzer to look at loans on Prosper in [...]
February 6th, 2008 — , Listing Review, Prosper.com from RateLadder @ Rate Ladder
Now is your last chance to get a portion of the RateLadder loan request. The auction ends at ~10:50am pst. Don’t miss out on this one.
$25 Bonus For New Lenders
How to Use Prosper Listing Widget for MySpace, Blog, Website, or Other
Continue reading → RateLadder Loan Lisitng Auction Closes Today
February 5th, 2008 — , Features, Listing Review, Prosper.com, Statistics, Strategy, Tools from RateLadder @ Rate Ladder
My Prosper Listing has 1 day left in the auction. I reached 100% funding late afternoon last Wednesday. Today is the final day to bid on my loan request. Short of an Act of God this loan is as safe as they come.
My listing fell into the the conservative portfolio plan standing order #2 whose [...]
January 31st, 2008 — , Listing Review, Prosper.com, Strategy from RateLadder @ Rate Ladder
Sometime late afternoon on Wednesday (1/30/08) my loan reached 100% funding. This is a critical first step in getting a Prosper loan. Without reaching 100% funded you cannot get a Prosper loan. Reaching 100% funded should be the 1st goal of an Prosper borrower and the tools for reaching 100% should be employed to their fullest.
Choose [...]
Related StoresContinue reading → Update: RateLadder Prosper Listing Request Reaches 100% Funded
January 28th, 2008 — , Listing Review from RateLadder @ Rate Ladder
Prosper is diverse and outstandingly egalitarian. I am celebrating that diversity with a pictorial of credit worthy*** borrowers. Everyone of these borrowers has credit worthy of extending credit. Do these photos make you want to bid? Would you give them a loan?
*** Using my own extremely tight lending credit criteria and the existence of a [...]
Related StoresJanuary 27th, 2008 — , Listing Review, Prosper.com from RateLadder @ Rate Ladder
I am requesting a Prosper Loan. I am a AA, homeowner, verified bank account, Prosper lender with an 11K+ lending portfolio. This is my 1st foray into borrowing on a p2p website. I believe in p2p lending and with this loan I will gain a borrower’s perspective. My loan matches the standing order #4 of the [...]
Related StoresJanuary 18th, 2008 — , Listing Review from RateLadder @ Rate Ladder
A blogger (The Property Pundit) emailed me and asked for a listing review and so I ask my readers. Please review this listing. Would you bid? Why or Why Not? How can the listing be improved? A credit grade and clean extended credit.
$25 Bonus For New Lenders
How to Use Prosper Listing Widget for MySpace, Blog, [...]
January 14th, 2008 — , Listing Review, Prosper.com from RateLadder @ Rate Ladder
I recently had the pleasure of interacting with a borrower seeking a loan on Prosper. The borrower as E credit and 15% debt to income ratio and is a homeowner… He has 4 endorsements (3 from bidders including the group leader).
$25 Bonus For New Lenders
How to Use Prosper Listing Widget for MySpace, Blog, Website, or [...]
Continue reading → A Worthy E Credit Loan — Please Comment and Decide
January 7th, 2008 — , Lending Club, Listing Review from RateLadder @ Rate Ladder
I am continuing to struggle with the time and effort it takes to invest in Lending Club loans. (I do not like manual bidding in the first place and you have to search the extended credit by hand.) I have been assured that my concerns have been noted and that they are working on something that [...]
Related StoresNovember 4th, 2007 — Features, Listing Review, Prosper.com, Statistics, Strategy, Tools, goals from RateLadder @ Rate Ladder
In my Friday post, I encouraged everyone to think for themselves when it comes to estimated return guidance. It is after all only an estimate. Today, I would like to pimp a listing I have bid on that I feel demonstrates a great return loan, but it is a fairly risky bucket. [...]
Related StoresOctober 17th, 2007 — Listing Review, Prosper.com from RateLadder @ Rate Ladder
Welcome to the second installment of Pimp my Listing. I was in the previous loan by these entropenours. That loan was paid as expected.
I placed $50 bids @ 14.94, 15.94, 16.94, and 17.94.
This is a super clean C requesting $25K @ 29%.
$25 Bonus For New Lenders
How to Use Prosper Listing Widget [...]
Continue reading → INVEST IN BANANA BOOKS! — Pimp My Listing #3
October 4th, 2007 — Listing Review, Prosper.com from RateLadder @ Rate Ladder
Welcome to the second installment of Pimp my Listing. I have placed a $50 bid at 14.94%.
This is a A Credit Homeowner with super clean extended credit. She is requesting a loan of 25K at 17%.
$25 Bonus For New Lenders
How to Use Prosper Listing Widget for MySpace, Blog, Website, or Other
Purpose of loan:
I’m starting [...]
Continue reading → Starting a Business w/ Proven Results — Pimp My Listing #2
October 3rd, 2007 — Listing Review, Prosper.com from RateLadder @ Rate Ladder
I am starting a new semi-regular feature. Pimp my listing. I don’t yet know at what frequency I will post this feature. These listings will be the best of best extended credit AA-C credit grades and good rates. Most will be larger loans and most will have caught my attention. [...]
Related StoresContinue reading → Pimp My Listing #1 — Blessed with Triplets
July 12th, 2007 — Listing Review, Prosper.com from RateLadder @ Rate Ladder
I finally managed to snipe $50 out from under my standing orders. I have placed a $50 bid.
This is a very clean D. The public record explains the credit score. The GL had the following to say:
I’ve verified income, rental amount, and car payment. DTI high in part for consolidation, but also due [...]
Continue reading → Now That I Have Bid You Should Too (if you want to)
July 8th, 2007 — Listing Review, Prosper.com from RateLadder @ RateLadder.com
My referee is back and with a lowered amount… I will be bidding as soon as money is available…
He has already verified his bank account so he has that going for him…
$25 Bonus For New Lenders
How to Use Prosper Listing Widget for MySpace, Blog, Website, or Other
July 7th, 2007 — Listing Review, Prosper.com from RateLadder @ RateLadder.com
Sadly my attempt to push my referral listing to 100% funded failed. While a late push brought the loan to near completion (87% funded), in the end it expired unfunded. I understand why people snipe loans, what I don’t understand is why so many standing orders wait till 100% funded before they fire. [...]
Related StoresContinue reading → Attempt to push EP Referral Listing into Existance Failed
July 5th, 2007 — Listing Review, Prosper.com from RateLadder @ RateLadder.com
Earlier in the week I spotlighted a listing from everyday people. (I have bid on the listing and it is a referral of mine.) The borrower has now verified his bank account. He is at 25% funded with 1 day to go. I think this is a quality listing.
Clean D. 23%. Consolidation loan. Vetted by one [...]
Continue reading → Everyday People Listing Update — EP: Paying Off High Rate Loans
July 1st, 2007 — Groups, Listing Review, Prosper.com from RateLadder @ RateLadder.com
$25 Bonus For New Lenders
How to Use Prosper Listing Widget for MySpace, Blog, Website, or Other
When I wrote the post yesterday I didn’t have funds available for bidding. I rectified that using the the rapid transfer feature. I have now placed bids of $71.87 @ 23% and $50.00 @ 19.94%.
Related StoresContinue reading → Update: Everyday People — Shining Example of Prosper Group
