On The Road To Financial Freedom
| Listing Information | |||
|---|---|---|---|
| Amount: | $12,000.00 | Status: | Loan created |
| Grade: | C | DTI: | 23% |
| Lender Rate: | 15% | Borrower: | stpfast |
| Finished | State: | CA | |
| Funded: | 100% | Group: | Craigslisters |
| Loan Information | |||||
|---|---|---|---|---|---|
| Loan Status: | 4+ months late | Origination Date: | 2007-03-13 | EricsCC ROI: | -31% |
| Status History | |
|---|---|
| Mar 14, 2007 | Current |
| Sep 29, 2007 | Late |
| Oct 14, 2007 | 1 month late |
| Nov 14, 2007 | 2 months late |
| Dec 14, 2007 | 3 months late |
| Jan 14, 2008 | 4+ months late |
|
I have moved from an E grade Credit to a C grade credit since my last listing which was 57% funded! Explanation of Circumstances: My husband and I have approximatly $12000 of debt in credit cards and loans. We are looking to consolidaqte our debts to a lower monthly payment and a lot lower interest rate. We are also in the process of selling our house and once house is sold we will be paying off our Prosper Loan in full. Purpose of Loan: The purpose is to bring down the monthly payment and also eliminate the high interest rates on debts. This loan will make it possible for us to pay off debts and live in financial freedom. My Occupation: Office Manager My Length of Employment: 6 Months Husbands Occupation: Sales Manager Husbands Length of Employment: 7 Years Current Debts: 1. Providian-$2000, 28.00% 2. Cash Call-$5500, 94.00% 3. Capital One-$1500, 22.60% 4. Orchard Bank-$2500, 24.00% 5. Wells Fargo-$500, 21.00% Delinquencies: 1. Bank Of America-$299.00, this is an account that was paid off prior and has not reflected on my credit report. It is in the process of being disputed. This account was NOT delinquent. Present Budget: Income Collectively: $6000 Expenses: Mortgage Payment- $2988 State Farm (car insurance)- $186 Medical Insurance- $280 Electric Bill- $112 Gas Bill- $45 Home Owners Association Fee- $46 Daycare- $660 Waste/Sewer Bill- $65 Credit Card #1- $75 Credit Card #2- $100 Credit Card #3- $220 Credit Card #4- $145 Loan #5- $320 Food- $450 Diapers- $120 Gas for Transportation- $150 Total Expenses-$5962 Left Over-$38 Budget after Prosper Loan: Mortgage Payment- $2988 State Farm (car insurance)- $186 Medical Insurance- $280 Electric Bill- $112 Gas Bill- $45 Home Owners Association Fee- $46 Daycare-$660 Waste/Sewer Bill- $65 Prosper Payment-$449.03 Food- $450 Diapers-$120 Gas For Transportation-$150 Left Over from Income: $448.97 Savings Due To Prosper Loan: $410.97 |
| Borrower's Other Listings | |||||
|---|---|---|---|---|---|
| 87082 | A new begining | E | $12,000 @ 29% | Jan 20, 2007 | Withdrawn |
| 88857 | Consolidation Loan | E | $12,000 @ 28% | Jan 25, 2007 | Expired |
|
Discussion For This Listing
|
||||
|---|---|---|---|---|
|