My Prosper.com experience

Using March 1 2006-March 1 2008 to screen out early loans from Prosper employees to themselves on the early date & the later date to give the loans a few months to age returns information that only AA loans are not negative return when you factor in late loans.Keep in mind when you view the link that you also need to subtract at least 85% of the loans that are 1 month late or more because historically on Prosper,loans that go one month late ,go on to default 85% of the time.

http://www.prosper.com/lend/performance.aspx?af=0&esba=63&gm=0&gr=0%2c1%2c2%2c3%2c4%2c5&hw=0&iba=255&ibid=0&iwatch=0&lc=0%2c1%2c2%2c3%2c4%2c5%2c6%2c7&lq=&maxAmt=25000&maxDTI=1000000&maxFund=1&maxGrpTLC=1000000&minA=0&minAA=0&minAmt=0&minB=0&minC=0&minD=0&minDTI=0&minE=0&minFund=0&minGrpTLC=0&minHR=0&minNC=0&occ=&od=08%2f23%2f2008&oer=03%2f01%2f2008&osr=03%2f01%2f2006&plcgd=&plp=0&sf=10&sh=0&sn=&tg=0