Another thing, here is the verbiage for lates (both old and 3.0):
This loan is delinquent and was sent to collections
This loan has become delinquent and a collection agency is attempting to recover unpaid balances.
No mention of collection agency, no tracking of any payments made. I have 2 lates, one a legacy loan that was in Amsher's hands, the second was a 3.0 deal that Prosper was collecting in-house (this loan had made a pmt after it went late).
Also, not a big fan of two transactions on failed pmts...(one showing paid, the second showing failed and backing out pmt).