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None. I was offered a loan by Prosper with a low APR, had a hard inquiry on my report generated ... and I was denied a loan before I was able to upload supporting documents, all within 2 hours - online. I believe the lead generation practices of Prosper.com are misleading and result in damaging the credit worthiness of prospective customers. The adverse action emails generated by Prosper.com are intentionally meaningless and not indicative of what information was used to deny the application. On the website XXXX, I was offered a 'pre-approved ' loan product from Prosper.com at a lower rate than several of my credit cards. This looked like a good deal for a debt consolidation loan. I applied for a loan from Prosper through the XXXX website at the amount and rate indicated on the CreditK