2nd Loan with Prosper...Another Safe Investment
| Listing Information | |||
|---|---|---|---|
| Amount: | $15,000.00 | Status: | Withdrawn |
| Grade: | HR | DTI: | 39% |
| Lender Rate: | 19% | Borrower: | bender2477 |
| Finished | State: | IA | |
| Funded: | 0% | Group: | (No Group) |
|
Hello, This will be my second loan thru Prosper. We decided to pay off early in hopes of receiving a larger loan that will pay off all of our credit cards and allow us to purchase a used camper! I am hoping that you will take a chance on me once again. My wife and I are very responsible when it comes to paying our bills. We would make paying this loan back our top priority next to our Mortgage! We have the utmost respect for the lenders on Prosper. I?m on the borrowing end now but hope to become a lender someday myself and do for others what you have done for me! About Me: My name is Steven, I am 30 years old. My wife (Lynn) and I have been married for 8 years. We have three beautiful children, Griffen, 6, Micah, 3 and Brooklyn, 5 months. I have worked construction for over 10 years and am employed by a large, employee owned company. I make $15.25/hr and have excellent benefits. I work year round, snow, rain or shine. My wife is an Administrative Assistant to the FAA Manager at our local Airport; she works 32 hrs a week and makes $14.50/hr. During the summer, my family enjoys camping, swimming, fishing, bike riding, and watching our 6 year old play T-ball. My Financial Situation/Purpose of Loan: My wife took a 6 week unpaid maternity leave last December, we used credit cards to pay for gas, groceries and holiday purchases. Now we have a number of credit cards at or close to their limits and it is negatively affecting our credit scores. We did file bankruptcy in May 2002, but have worked hard at rebuilding our credit ever since and have paid all loans, credit card payments and Mortgage payments on time every month. If we are fully funded I would like to pay off all of our credit cards to bring our scores back up and also purchase a pull behind camper for my family. We love camping and for the last couple of years, we have stayed in my mother-in-laws camper, she became widowed in 2004 and has enjoyed our company but I get the feeling she would like to have her privacy at times. Last December we became a family of 5 and would truly love to have a camper of our own. We practically live at the campgrounds during the summer. My kids love to be outdoors. I decided to check with Prosper and see if we could kill two birds with one stone, purchase a camper and pay off our credit cards as well. This will turn 10 payments into one and should positively affect our credit score as well! We paid our last Prosper loan in full May 1st and have patiently waited the 30 required days before starting a new listing, (which wasn?t easy!) We would like to have purchased a camper by Memorial Day but paying off our credit cards is very important to us as well. **Due to space, I've attached a list of the accounts we wish to pay off with the loan and our household income and expenses. We make enough money to cover these expenses and the Prosper loan payment. We truly appreciate your time and will definitely appreciate your bid! Thanks so much! **Side Note, I am showing as HR according to Prosper, however, my wife and I subscribe to "CreditKeeper" each month and it shows my score in the lower 600's. I've attached that information as well. This happened to me last time too?? |
| Borrower's Other Listings | |||||
|---|---|---|---|---|---|
| 59972 | Cash for Remodel | E | $2,500 @ 20% | Nov 10, 2006 | Withdrawn |
| 60061 | Need More Room! | E | $1,200 @ 20% | Nov 10, 2006 | Withdrawn |
| 63525 | Safe Investment! Please read... | E | $1,000 @ 20% | Nov 18, 2006 | Loan created |
| 132634 | 2nd Loan with Prosper...Another Safe Investment! | HR | $15,000 @ 19% | May 04, 2007 | Withdrawn |
| 133696 | Safe Investment....Please Read! | HR | $7,800 @ 19% | May 07, 2007 | Withdrawn |
| 134352 | Final Listing...This loan will make a difference! | HR | $3,700 @ 19% | May 08, 2007 | Withdrawn |
| 135064 | Cleaner Air for our Son! | HR | $2,000 @ 19% | May 09, 2007 | Withdrawn |
| 137656 | Previous Successful Prosper Borrower! | HR | $2,400 @ 18% | May 15, 2007 | Withdrawn |
| 137667 | Previous Successful Prosper Borrower | HR | $2,400 @ 18% | May 15, 2007 | Loan created |
|
Discussion For This Listing
|
||
|---|---|---|
|
No Comments Found For This Listing
|