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You can't pull their full report, but they give them a 'credit grade' that's based on their experian FICO score. You can also see their Debt/Income ratio (though I can only assume they derive the income number from the user's own statement.)

Their FAQ mentions some of the regulations they comply with, and one of their board members is a founder of eBay, and their CEO was also a founder of E-Loan - it's certainly NOT a scam.

"At the federal level, Prosper is regulated by the Federal Trade Commission insofar as it must conform to the Truth in Lending Act, the Equal Credit Opportunity Act, and the Fair Credit Reporting Act. "
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