Does Prosper’s Public Data Allow Loan to Listing Correlation? | P2P Lending, Peer to Peer Lending, People to People Lending

Using today’s public data, 98% of the time I can correlate loans in arrears to the listing with 100% accuracy.

There are 488 loans with statuses not equal to paid as expected:

I have a sql statement that can accurately generate the listing key or listing number (and hence the borrower) for 482.

At this time I am intentionally keeping my sql statement under wraps, pending a response. It is not a simple primary key foreign key join, but it is a single select. Since there isn’t a primary key foreign key relationship in the data provided by prosper, I infer that they don’t want you to be able to correlate listings to loans. As that is not public information. And yet via the public information it can be done.

Overtime, with higher loan volumes I expect the percentage of the number that can be 100% accurately identified to go down, but I will always be able to find some late loan’s listing numbers.

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