What the heck, Prosper?

I'm a member of Prosper, but have strictly been a microlender. I thought I might consolidate some credit card debt so I started the process of borrowing. Uh...yeah. I qualified for a "great" rate of 26%. Crikey. My credit is excellent and I make great money. Heh. Maybe I should check my credit report/score to see what's up because I was thinking I could get a rate much closer to 6%. I mean 26% is in loan shark or payday loan territory and is obviously a lot more than my credit cards are charging me.

Hmmm...I'll have to check out Lending Club.

Edit: Lending Club quoted me a great rate of 15%. Ugh.

Prosper sent me back a note saying my credit score is much less than what I expected. Much less. I guess I owe too much money or something.