RELIST: GIVE ME A CHANCE & A NEW START
| Listing Information | |||
|---|---|---|---|
| Amount: | $1,585.00 | Status: | Loan created |
| Grade: | E | DTI: | 92% |
| Lender Rate: | 28% | Borrower: | MelissaSue |
| Finished | State: | IL | |
| Funded: | 100% | Group: | Have Money - Will Bid |
| Loan Information | |||||
|---|---|---|---|---|---|
| Loan Status: | Current | Origination Date: | 2007-05-17 | EricsCC ROI: | 22% |
| Status History | |
|---|---|
| May 17, 2007 | Current |
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Hello and thank you for viewing my listing. I am 25 years old. I am happily married, and have a 3 year old little boy. I am very active in my church, and love spending time with my family. I love people, and am very outgoing. I have gotten into a mess. I accumulated some debt while I was in college, and while I was looking for a job after college. My husband lost his job (company downsized) for about 6 mos. so we struggled and fell into the Payday Trap. We are struggling to climb our way out, but we are determined. I have enrolled in a budget class with a church program, and am learning where I have made some mistakes in the past, and looking forward to correcting them in the future. My husband is back to work at a new job, he has been for about 7 mos. now, and is making more money than he was before; therefore his check covers almost all of our expenses. He brings in $2200.00 a month, so I have very few bills to take care of with my income. So my DTI is better than it looks, credit cards will do that. Unfortunately, since I got into Pay Day Loans, I now need help to get out of them. I would use the Prosper Loan to pay off the following Pay Day Loans and Credit Cards. Make Payday Today~ $359.95 My Cash Now~ $414.53 Little Loan Shoppe~ $405.95 Payday OK~ $63.14 Credit One Bank Credit Card~ $341.36 ------- $1584.93 I am currently a secretary, and have been at my job for almost 6 years. I love what I do, I work six days a week. My current monthly net income is $1360.00 Here's my monthly budget with the prosper loan in place: $0 - Mortgage $0 - Electricity $0 - Telephone $0- Car Payment $0 - Insurance $40 - Gas $815 - Other Credit Cards Not paid off with loan $100 - Groceries $0 - Recreation $20 - Internet -------------- $975.00 - total monthly expenditures As you can see, I have over $385.00 left over to be used, (all of our other utilities are covered by my husband's income) not only for my Prosper Payment, but for savings and emergencies so that I never get into this situation again. I can begin to live a normal life free from the stress caused by Pay Day Loans. I have learned my lesson. I promise that my payments to Prosper will be my top priority each month. In fact, I am going to have Prosper automatically withdraw my payments each month so that everyone, including myself, knows that my payment will be made on time, every time. I'm not about to make a mistake with this opportunity to start rebuilding my credit. Thank you again for viewing my listing, and God bless. |
| Borrower's Other Listings | |||||
|---|---|---|---|---|---|
| 130020 | Need to Pay off Credit Cards, & Live again!!! | E | $10,000 @ 18% | Apr 28, 2007 | Withdrawn |
| 131122 | Need to payoff Payday Loans and Credit Cards~HELP! | E | $9,500 @ 21% | May 01, 2007 | Withdrawn |
| 133226 | HELP ME SAY GOODBYE TO PAYDAY LOANS!!!!! | E | $10,000 @ 19% | May 05, 2007 | Withdrawn |
| 134093 | HELP ME START OVER | E | $5,500 @ 28% | May 07, 2007 | Expired |
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