Join Me in Building a Brighter Financial Future
| Listing Information | |||
|---|---|---|---|
| Amount: | $5,000.00 | Status: | Loan created |
| Grade: | HR | DTI: | 35% |
| Lender Rate: | 24% | Borrower: | kjaysmommie |
| Finished | State: | IL | |
| Funded: | 100% | Group: | Everyday People |
| Loan Information | |||||
|---|---|---|---|---|---|
| Loan Status: | Current | Origination Date: | 2007-04-06 | EricsCC ROI: | 18% |
| Status History | |
|---|---|
| Apr 06, 2007 | Current |
|
Hello! My name is Ericka and I am 28 years old and have worked for the
same state agency for 7 years as of next month. I recently earned my
MBA from the University of Illinois and was also recently remarried
with two wonderful children. My husband and I are taking the steps to
build a strong financial future for ourselves (to buy a home in three
years) and for our children. This listing is to pay off some high rate
credit cards that I have. The debt was accumulated on the CC's due to
my first husband abruptly leaving me. I suddenly found myself with a
young child and only one income. I refused to give up my schooling or
borrow from my parents so I relied on the cards. I have never been
delinquent on the cards but paying the minimum over the years has not
gotten me too far. I also noticed that I am showing six delinquents
that total $447, I pulled my credit report and these are all very small
medical bills from years ago (I can email that proof if necessary). Here are my financials: Gross Pay $3269 monthly Take Home Pay $2428.08 (after federal/state tax, FICA, 401K, health insurance, union dues) Car $657 Car ins 75 Food 250 Phone/Internet 200 CC payments 422 (will be 283 after Prosper Loan) utilities 150 misc 200 Left Over $474.08 Prosper Loan will Pay Off: Aspire Visa $2280 (APR 29.99%) Min Pay 68 Dell Financial $643 (APR 30.55%) Min Pay 22 Household Bank $230 (APR 27.99%) Min Pay 15 HSBC $925 (APR 25.15%) Min Pay 15 Fashion Bug $372 (APR 24%) Min Pay 20 Delinquent Hospital Bills on Credit Report $447 My husband brings home $394 each week as well (will verify if needed) and he pays for clothing, entertainment, and half the car payment (I still wanted to list the full amount under my expenses because it is in my name). No daycare - in-laws/parents are retired and watch DD, DS is in Pre-K. No rent at this time, we stay in my fathers investment/rental homes and renovate for him to sell/rent. Thank you very much for your interest and please do not let my HR rating prevent you from bidding, my income and payment history is very stable. God Bless! |
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