According to my 2008 Lender Year-End Statement, I had $818.802 of principal remaining on this loan.
OMG you lent small amounts overall and went all-out on this loan to the tune of $900? . What happened? You fell for the Sophtommy line of BS? Damn, I feel for you.
I fell for the Sophtommy stuff and had many conversations (over prosper pm) with the BKer. I hadn't learned yet that people can lie through their teeth and make it convincing and not show any qualms about it.
When I started lending on Prosper, my past credit troubles were in more recent memory than they are now. At the time, I knew darned well that anybody in a bind is going to do whatever they can to survive (roof over head, food on table, etc) at whatever cost. I relied on credit reports at the expense of just about everything else -- I'm not in the black for it, but I will end up losing about 5% of principal.
What astonished me from the get go on Prosper was how many people were falling for group leader BS and character decisions made based on "a few" conversations, even meeting people in person. To me, there is very little that can be said that can overcome a crappy credit report.