Trying to consolidate and rebuild credit.
| Listing Information | |||
|---|---|---|---|
| Amount: | $3,500.00 | Status: | Loan created |
| Grade: | HR | DTI: | 23% |
| Lender Rate: | 25% | Borrower: | paydayloanh8tr |
| Finished | State: | CA | |
| Funded: | 100% | Group: | Debt Consolidators |
| Loan Information | |||||
|---|---|---|---|---|---|
| Loan Status: | Current | Origination Date: | 2007-04-11 | EricsCC ROI: | 20% |
| Status History | |
|---|---|
| Apr 11, 2007 | Current |
| Nov 28, 2007 | Late |
| Dec 06, 2007 | Current |
| Jun 28, 2008 | Late |
| Jul 12, 2008 | 1 month late |
| Jul 19, 2008 | Current |
|
Hello! I am currently working and supporting myself while trying to finish my degree in Information Technology. Since I was 18 I have been pretty independent. So this is all new to me, asking for help. I would like to borrow this money to pay off several high interest credit cards and a payday loan. I am paying a total of $300 to the credit card and $217.00 to the loan from cash call every month. I am employed with The Ryness Company a real estate sales and marketing firm for new home. I am employed as an accountant in their northern California office. My take home pay is $2400 per month. I have excellent medical benefits that are paid 100% by my employer and I have a 401k program that I have just enrolled in. Here is a list of my monthly expenses: Rent 600 Car payment 300 Car insurance 119 Food 200 Gym 39 Utilities 140 Phone 70 Gas 100 Prosper Loan 250 Total $1818.00 This gives me $582 for other monthly incidentals after I have made the payment to prosper. My credit rating is HR. I have DQ?S from personal emergencies that have come up. I had a car accident in 2005 my insurance did not cover the car rental and my deductible at the time was $1000. Later that year I was laid off from my full time job and the money I was making from my second job was only enough to cover the basics. Since then I have been trying to play catch up and balance my budget. I have learned to be more financially smart when choosing how I spend my money and budget for emergencies. You can count on me to pay every penny back on time if not earlier. I will be done with school in 18 months and would like the only bill I have to pay every month is my student loan bill. |
| Borrower's Other Listings | |||||
|---|---|---|---|---|---|
| 114627 | Please Help me escape these high interest rates! | HR | $7,000 @ 26% | Mar 23, 2007 | Withdrawn |
| 268631 | Trying to consoldate debts | HR | $8,000 @ 17% | Jan 20, 2008 | Expired |
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