fixing credit
| Listing Information | |||
|---|---|---|---|
| Amount: | $4,000.00 | Status: | Loan created |
| Grade: | HR | DTI: | 42% |
| Lender Rate: | 26% | Borrower: | callie123 |
| Finished | State: | TX | |
| Funded: | 100% | Group: | Psalms 1:1-3 |
| Loan Information | |||||
|---|---|---|---|---|---|
| Loan Status: | 4+ months late | Origination Date: | 2007-05-07 | EricsCC ROI: | -44% |
| Status History | |
|---|---|
| May 05, 2007 | Current |
| Jul 22, 2007 | Late |
| Aug 03, 2007 | Current |
| Aug 28, 2007 | Late |
| Sep 08, 2007 | 1 month late |
| Sep 29, 2007 | Late |
| Oct 08, 2007 | 1 month late |
| Nov 06, 2007 | Late |
| Nov 08, 2007 | 1 month late |
| Nov 30, 2007 | 2 months late |
| Dec 08, 2007 | 3 months late |
| Jan 08, 2008 | 4+ months late |
| Feb 03, 2008 | 3 months late |
| Feb 08, 2008 | 4+ months late |
|
I am a 33 year old female. I am a very hard worker. I love life, my family, my pets and my jobs. I am asking for your consideration for this loan because I am rebuilding my life and financial future. I will be using this money to pay off some of the debts in full that I have incurred. I will also use this money to make a few minor repairs on my home. These repairs include the outside trim to the door frame because it is allowing air to seep into the house. Also I need to purchase a washer, dryer and refrigerator. These items do not need to be new but in good condition. I will pay off as many delinquent bills, whether they are current or past due, as I can with the money that I borrow. I would also like to put the remainder of the money towards the following month of bills so that I can have a little money to build on in case that I have an emergency. This way it will not destroy the hard work that I doing to repair my credit and pay off my debts. I am also working on getting some items, such as student loans that have reported delinquent, off of my credit. I have not been late on my student loans. What happened in this case is my loans were consolidated and the new lender did not notify the existing lender so I had to get the paperwork fixed and I am now requesting that they take this misleading information off of my credit. My budget is as follows. I take home between $2200.00 and $2400.00 each month. The fluctuation depends of how much over-time I work. Rent/Mortgage 500.00 Car payment 550.00 Insurance 90.00 Utilities 150.00 Arranged pmts for Delinquent accts 100.00 Credit cards 50.00 Food/clothing 150.00 Miscellaneous 50.00 ------- Total 1640.00 I work two full-time jobs. I am a Registered Pharmacy Technician by trade and a clerk at a donut shop for extra income. My pharmacy job paycheck is directly deposited into my account every Friday. My donut job is paid by paper check, direct deposit is not available, every Friday which is deposited by myself into my account by 10 am. I work 40 hours at the pharmacy and this check has my insurance, 401k, and supplemental insurance taken out of it. My other job does not have any additional deductions taken out of it. I am able to work over-time at this job and I take advantage of it when it is offered. I would like to make my payment on this loan on the 12th of each month by ACH. This money will be taken directly from my account and will be easier to manage knowing exactly what day each month the money will be drafted. There several delinquencies on my credit. Each one of these delinquencies is my fault. I allowed myself to get behind. I over extended myself. I am working very hard to rectify these debts. I am not going to let myself get back into this same situation again. I want to pay off each of these debts. |
| Borrower's Other Listings | |||||
|---|---|---|---|---|---|
| 118969 | new life | E | $4,500 @ 29% | Apr 04, 2007 | Expired |
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