A New Start
| Listing Information | |||
|---|---|---|---|
| Amount: | $10,000.00 | Status: | Loan created |
| Grade: | D | DTI: | 39% |
| Lender Rate: | 18% | Borrower: | ClaireC82 |
| Finished | State: | TX | |
| Funded: | 100% | Group: | Quality Assistance for Borrowers |
| Loan Information | |||||
|---|---|---|---|---|---|
| Loan Status: | Default | Origination Date: | 2007-04-13 | EricsCC ROI: | -62% |
| Status History | |
|---|---|
| Apr 13, 2007 | Current |
| Jul 28, 2007 | Late |
| Aug 14, 2007 | 1 month late |
| Sep 14, 2007 | 2 months late |
| Oct 14, 2007 | 3 months late |
| Nov 14, 2007 | 4+ months late |
| Dec 27, 2007 | Default |
|
ABOUT ME:I am a 24 yr old female, in school and working as a vendor for a carpet company. I bought my first home last year in December. I was recently faced with a flood in my home even though I am not in a flood plain, and insurance will not cover the damages. I want to set my home up with better irrigation and drainage to avoid future disasters. Would also like to replace flooring and other items that were damaged. Also, I am trying to pay down all my high interest credit cards to improve my credit score and hopefully save for the future and maybe one day help others in this prosper community. EXPLANATION OF BAD CREDIT:I have always made it my priority to make my payments on time. I would say the only thing bringing down my fico score is my high debt to income ratio. I started paying down my credit cards but with the high interest rates it seems that it will take me a long time to bring the balances down. I have cut up all my credit cards. WHAT I WILL DO WITH THE MONEY LOANED TO ME: $1500 of the money will be used to consolidate debt. The remainder will be used for my home improvements, gutters, irrigation, flooring, replacing personal items. HERE ARE MY MONTHLY FINANCIAL DETAILS: Net income after payroll deductions from all sources:$3000 Mortgage: $1124 and I pay half. Car Loan and Operating Expenses: $276 Food: $200 Insurance: $ 80 for car Cable/Internet/Cell: $125 Clothing, etc. Utilities: $100.00 Student Loans: 50.00 Total Monthly Expenses : $1693 CLOSING REMARKS TO LENDERS: As you can see, my ultimate goal is to be financially free to be able to start investing and saving. Thank you for your time and hope you can invest in me and trust me to be able to pay you back on time. If you have any questions please feel free to send me a message. |
| Borrower's Other Listings | |||||
|---|---|---|---|---|---|
| 117846 | A new start | D | $15,000 @ 7% | Apr 01, 2007 | Withdrawn |
| 117896 | A New Start | D | $15,000 @ 25% | Apr 01, 2007 | Withdrawn |
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