Help with a Credit Tweek
| Listing Information | |||
|---|---|---|---|
| Amount: | $1,800.00 | Status: | Loan created |
| Grade: | E | DTI: | 24% |
| Lender Rate: | 17% | Borrower: | KTOWN |
| Finished | State: | ID | |
| Funded: | 100% | Group: | Life Changing Loans |
| Loan Information | |||||
|---|---|---|---|---|---|
| Loan Status: | Current | Origination Date: | 2007-03-20 | EricsCC ROI: | 12% |
| Status History | |
|---|---|
| Mar 19, 2007 | Current |
|
I am 38yrs old male with a domestic partner (Susan) whom I?ve been with 8 years now. I have two credit cards I want to pay off. One is a $1000.00 secured that I owe about $850.00 on and they will not give me my deposit back until it is paid in full. They account is closed to avoid annual fees.The other credit card is an old (10 years) high risk that has a limit of $550 and a balance of $375 the terms are 19.5% plus a $5.00/mo. handling fee and an annual fee of $39.00 coming up in 3 months. This account will be closed upon pay off. For some reason they want to charge me another $2.50 a month to close it now before pay off.There is a delinquent account I also want to pay off with this loan from a 3 year old emergency room visit when I had no health insurance. This balance is about $450.00 I?ll be honest with everybody I do not plan to take this loan to full term. I will use at least $850.00 of the secured deposit on the first Credit Card to pay down this balance. Which the bank has told me will take 6-8 weeks after I pay off the balance the rest of the secured deposit will go to my emergency fund. My goal is to pay down debt and hope to gain a few points on my credit score My current occupation is selling paint and paint related sundries at a local paint store. Employed at for 1 ½ years with a corporate regional manufacturer owned store. I have 18 years in the construction related service industries. My income from work is $2246.08 Month Nov- Mar $2420.80 Month Apr ? Oct (due to mandatory over time per month during busy season) I also make $150 - $300 a month in side related work odd jobs and with a local caterer (verifiable) Expenses: Rent $475 Auto $450 (New 06 Ford financed with Ford Credit at 3.9% 6 months old/ 5 yr loan) Insurance $100 (auto) Gas $100 Util $95 (elec. Phone/DSL, cable) Groceries $250 Credit Cards $75.00- $150 (this depends on available income per month and will not exist if funded) Medicine $90 (fixed for the most part) Gym membership $40 Student Loans $118 Past Medical Bills $100 As you can see I run real tight and am motivated to earn extra cash each month and willingness to work a weekend or night or two every month. |
| Borrower's Other Listings | |||||
|---|---|---|---|---|---|
| 107718 | Pay off High Int/ CC Debt | E | $1,500 @ 15% | Mar 06, 2007 | Withdrawn |
| 108226 | Help pay Collection and CC debt | E | $1,750 @ 17% | Mar 07, 2007 | Withdrawn |
| 296238 | Better rate and need dental work | HR | $2,500 @ 14% | Mar 20, 2008 | Withdrawn |
|
Discussion For This Listing
|
||
|---|---|---|
|
No Comments Found For This Listing
|