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Each loan listing has a box on the right called "Credit Information."

Anyone can immediately view two sources of information:

Credit grade
A credit grade is a letter grade that Prosper assigns you based on your Experian ScoreX PLUS™ credit score, for use solely in the Prosper marketplace. The credit grade is what lenders use to measure the likelihood of a borrower to repay a loan based on past payment history.

Debt/income
Debt-to-income ratio (or DTI) is a measurement of the borrower's ability to take on additional debt. This number measures the borrower's monthly debt payments (excluding housing payments) relative to their monthly income. It includes the additional debt payment required for the Prosper loan if the requested Prosper loan were funded. Generally, a DTI of 20% is at the upper end of normal when excluding housing debt.

Additional credit data
Registered lenders have access to additional credit data, which may give more insight into the reason why a borrower has received a particular credit grade. By clicking on the ("plus") button next to the credit grade label, the lender can see the following additional data, which comes from the borrower's credit report:

• Now delinquent: The number of accounts on which the borrower is currently late on a payment. This includes any unpaid charge-offs or other derogatory balances.
• Delinquencies in last 7y: The number of 90+ days past due delinquencies on the borrower's credit report in the last 7 years.
• Public records in last 10y: The number of negative public records on the borrower's credit report over the last 10 years. Negative public records include, among other things, bankruptcies, liens, and judgments.
• First recorded credit line: The month and year the borrower's first recorded credit line was opened. Credit lines may include, among other things, revolving, installment, and mortgage credit.
• Total credit lines: The total number of credit lines appearing on the credit report. Credit lines can be open or closed and may include, among other things, revolving, installment, and mortgage credit.
• Inquiries in last 6 months: The number of inquiries made by creditors to the borrower's credit report in the last six months.