Kelley found that site, apparently folks with shitty credit scores are screwing over Prosper lenders, and “getting away with it” as Prosper isn’t being very aggressive in getting their money out of deadbeats.

Goes to show you can’t trust people who have shit credit scores. Sure, you don’t get amazing rates out of people with A & B grades, but you also don’t get fucked over by them either…

I am a walking, breathing testimate to this type of loaning. My credit was on the upswing but still not great, I had money to pay the bills that I had but was getting now where, and to try to talk to a bank about anything all they are interested in is your dept to income ratio.

Thanks to prosper, and more importantly people I was able to get the cock out of my ass that was raping me with ridiculous interest rates. Sometimes when you NEED money you will take it at whatever rate you can get it. That is what I HAD to do, at the time.

Thank you Prosper. Thank you people. You can view my listing to get an idea of what is expect here:
http://www.prosper.com/invest/listing.aspx?listingID=338118