Help Me Improve Even More
| Listing Information | |||
|---|---|---|---|
| Amount: | $2,000.00 | Status: | Loan created |
| Grade: | HR | DTI: | 13% |
| Lender Rate: | 16% | Borrower: | computergirl |
| Finished | State: | NC | |
| Funded: | 100% | Group: | PsychDoc's Group |
| Loan Information | |||||
|---|---|---|---|---|---|
| Loan Status: | 4+ months late | Origination Date: | 2006-05-16 | EricsCC ROI: | -37% |
| Status History | |
|---|---|
| Jul 12, 2006 | Current |
| Aug 31, 2007 | Late |
| Sep 18, 2007 | 1 month late |
| Sep 21, 2007 | Current |
| Nov 02, 2007 | Late |
| Nov 14, 2007 | Current |
| Dec 01, 2007 | Late |
| Dec 17, 2007 | 1 month late |
| Jan 17, 2008 | 2 months late |
| Feb 17, 2008 | 3 months late |
| Mar 17, 2008 | 4+ months late |
|
***Due to my state's interest rate cap, I am limited to 15.75%*** I am a single mother of 13 years, now living with my fiance. My credit issues are the result of a layoff 6 years ago. Although the layoff caused severe hardship for me and my son, I am proud of what I have accomplished over the years. I managed to put myself through college twice, earning A.A.S. and B.S. degrees, graduating with honors. I work as a Paralegal and have been at my current job for almost two years. I also do some independent contractor work, which I have not included in any of my income calculations, as the monthly amount I earn varies anywhere from $50-$200/mo. About a year ago, I found Creditboards; I am ?tamarind? there. I am proud to be a part of the CB community, and I have learned a great deal. I am requesting this loan in order to consolidate my higher interest credit cards into one payment, thus allowing me to pay off my indebtedness much faster. As far as the items negatively affecting my credit: The two current delinquencies are charge-offs as the result of my layoff in 2000.The one delinquency in the past seven years is a cell phone bill that I am working on getting taken care of. I take complete responsibility for this account, have contacted the agency and am awaiting their reply. I am constantly working to improve my credit. I check two of my credit reports daily (Equifax and Experian). Last Fall I became a homeowner for the first time. I presently have at least 16 positive accounts that I pay on time every month (this includes my mortgages, student loans, car payment, and credit cards). My Experian credit score as of 5/1/06 is 608. After calculating all expenses and deducting from our monthly net income, we have a surplus of $624. I would not be incurring additional debt by taking on this loan, however. This loan would allow me to reduce some of the payments I am presently making. Feel free to contact me should you need more information or proof of income, credit, etc. Thank you so much for reading my listing and I hope that you will be willing to give me a chance to prove that I'm an excellent borrower! |
| Borrower's Other Listings | |||||
|---|---|---|---|---|---|
| 9803 | Consolidate Credit Card Debt | HR | $5,000 @ 16% | Apr 29, 2006 | Withdrawn |
| 9892 | Consolidate Credit Card Debt | HR | $5,000 @ 16% | Apr 29, 2006 | Expired |
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