Save Me From The Pay Day Vultures
| Listing Information | |||
|---|---|---|---|
| Amount: | $4,000.00 | Status: | Loan created |
| Grade: | HR | DTI: | 8% |
| Lender Rate: | 20% | Borrower: | kbass31 |
| Finished | State: | TX | |
| Funded: | 100% | Group: | Have Money - Will Bid |
| Loan Information | |||||
|---|---|---|---|---|---|
| Loan Status: | Current | Origination Date: | 2007-03-29 | EricsCC ROI: | 15% |
| Status History | |
|---|---|
| Mar 29, 2007 | Current |
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Hello and I thank you in advance for viewing my listing. I am a 32 year old, single woman with no children. I am a teacher and a coach, and actually make enough money to live off of and even save a portion, but I can never get caught up, let alone get ahead. I am an HR because of poor decisions that I made in the past. When I was in college, my fiance at the time and I thought it would be a good idea to get a bunch of credit cards. My credit was better than his, so we got them in my name. And to make a long story short, we could not pay for them, and when we broke up, I was left with the bills. I have been dealing with Pay Day loan places for a long time and just want to be done with them for once and for all. I began going to cash advance places because I could not get a personal loan from a bank due to my poor credit score. I hope that you will not consider me a credit risk and untrustworthy, because what my credit score does not say about me is how I am now. I am dependable, honest, and ambitious, and I would like to not only start over fresh financially, but I am a writer and would like to one day soon take some writing classes to further my talent and achieve the goals that I have set for myself. Unfortunately, since I got into Pay Day loans, I now need help to get out of them. I would use the Prosper Loan to pay off the following: $614.29 ? Pay Day Ok $390 ? Paycheck Today $625 ? First Cash Pawn $662.32 ? Advance America $250 ? Ameriloan $399 ? Cash Express $425 ? Landmark Express $624 ? IRS for Taxes $3989.61 ? Total amount of Debt to pay off As I said earlier, I am a teacher. I teach junior high physical education and coach girls? basketball and cross-country. I have also taught English and coached volleyball, softball, and track. I?ve been a teacher for eight years, but have been steadily employed for over three years. My current monthly net income is $2800. Here is my monthly budget with the prosper loan in place: $630 ? Rent/Water $327 ? Car Payment $151.22 ? Car insurance $80 ? Cell phone $100 ? Electricity $40 ? Credit Card payment not paid off with loan (minimum payment) $75 ? Joyce Meyer Ministries $121. 60 ? Ashley?s Furniture $1524.82 ? Total monthly expenditures As you can see, with just a little help, I have over $1200 left over for savings and emergencies so that I never get into this situation again. I can begin to live a normal life free from the stress caused by Pay Day Loans. I have definitely learned my lesson. I promise that my payment to Prosper will be my top priority each month. In fact, I am going to have Prosper automatically withdraw my payments each month so that everyone, including myself, knows that my payment will be made on time, every time. I?m not about to make a mistake with this opportunity to start rebuilding my credit. Thank you again for viewing my listing, and God bless. |
| Borrower's Other Listings | |||||
|---|---|---|---|---|---|
| 7888 | Immediate Debts | HR | $2,995 @ 15% | Apr 25, 2006 | Expired |
| 111245 | Getting My Finances Together and Looking to the Future | HR | $4,000 @ 29% | Mar 14, 2007 | Withdrawn |
| 262231 | Pay off Medical Bills and Live Free of Credit Cards | E | $15,000 @ 9% | Jan 11, 2008 | Withdrawn |
| 263815 | Pay off Medical Bills and Live Free of Credit Cards | E | $7,500 @ 9% | Jan 14, 2008 | Expired |
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