"Vetted" Good Guy paying off old taxes to the I.R.S.
| Listing Information | |||
|---|---|---|---|
| Amount: | $3,000.00 | Status: | Loan created |
| Grade: | HR | DTI: | 9% |
| Lender Rate: | 21% | Borrower: | scheroq01 |
| Finished | State: | TX | |
| Funded: | 100% | Group: | Achieve Greatness |
| Loan Information | |||||
|---|---|---|---|---|---|
| Loan Status: | Paid | Origination Date: | 2007-05-04 | EricsCC ROI: | 20% |
| Status History | |
|---|---|
| May 04, 2007 | Current |
| Aug 19, 2007 | Late |
| Aug 31, 2007 | Current |
| May 20, 2010 | Late |
| Jun 08, 2010 | Paid |
|
To all possible lenders: Please note that my documents have been vetted by my GL and are available for lender review at: www.decorative-banners.com/Achieve_Greatness I'm a 30 yr old male currently living in Austin, TX. I am a hard working, honest individual with some past credit blemishes from living in NYC. Austin has improved my financial situation drastically and my mental and physical well-being has improved as well. Moving to Austin has to be one of the best moves I've ever made. Purpose of loan: The money requested will be used to pay off additional state taxes owed from 2003. I was caught off guard from a letter this week from NY State stating that I owed additional taxes. This was due to hiring a bad accountant in 2004. I found out he got his license pulled and I now owe $2,200 by April 30th. This is in addition to Federal taxes from the same year I have been paying off in a payment plan. My total tax liability is $4,200. I have $1,200 that I can put towards paying this balance off and need the additional $3,000 requested to cover the rest. I would rather pay the prosper loan than the penalties and interest the I.R.S. charges. My financial situation: Even though my credit rating is listed as High Risk, I would like to point out that the only major outstanding debt on my credit report is for a consolidated student loan of $11,000. I have 12 accounts listed on my credit report and 7 of these are from student loans that have been consolidated several times. The majority of the 59 negatives on my credit file are from these past student loan lates. I also have 2 judgments listed on my credit report. The first one is set to come off in 6 months. The other one was disputed and never removed is 5 years old. I also have one collection that is set to come off in 5 months. As you can see I have no recent items that are public records or collections. Only time can improve my credit score now. I am in much better shape since moving to Austin from NYC last year. After all of my expense below, I still have and additional $1,042 for saving and emergencies. I have no problem covering a monthly prosper loan amount of up to $250. Please feel free to ask for additional information. I thank you all in advance for your consideration. My monthly budget: Mortgage/rent: $1,100 Self-Employed Insurance: $188 Car expenses (lease and insurance and Gas): $358 & $170 $160 Utilities: $125 Phone, cable, Internet: $225 Food, entertainment: $600 Dog Food and medication: $120 Clothing, household expenses $150 Business Credit cards and other loan payments: $450 Federal and State Taxes (Saved for Quarterly Payments): $1,560 --------------------------------------- Total monthly expenses: $5,206 Leftover after expenses: $1,042 *** Please note that I have no intention of ever defaulting on this loan. I spent a great deal of time and money clearing up my credit report and have no intention of going back to a bad debt situation. I now have a good steady income and will continue to better my situation daily. Thanks |
| Borrower's Other Listings | |||||
|---|---|---|---|---|---|
| 121853 | Good Guy paying off old taxes to the I.R.S. | HR | $3,000 @ 24% | Apr 10, 2007 | Withdrawn |
| 688541 | Large Purchases | E | $2,250 @ 22% | Jan 10, 2013 | Loan created |
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