I recently paid off a loan with Prosper, and paid it off early. I had some late payments the past few months; not 30 days late, or late enough to report, just enough to charge a late fee, which I paid. I now want to take out another loan to again consolidate revolving debt and bring down my monthly payments. Prosper will not allow me to get another loan since I had past late pay history. I found their policy for taking a new loan, but this only addresses "ACTIVE" loans, whereas my loan is CLOSED. Anyone have any insight into this? Thanks!
