CREDIT CARDS - YOUR FIRED!!!!
| Listing Information | |||
|---|---|---|---|
| Amount: | $13,000.00 | Status: | Loan created |
| Grade: | B | DTI: | 38% |
| Lender Rate: | 13% | Borrower: | Smiley123 |
| Finished | State: | OH | |
| Funded: | 100% | Group: | Have Money - Will Bid |
| Loan Information | |||||
|---|---|---|---|---|---|
| Loan Status: | Current | Origination Date: | 2007-06-12 | EricsCC ROI: | 9% |
| Status History | |
|---|---|
| Jun 12, 2007 | Current |
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Hello and thank you for viewing my listing. I?m in my late 20?s and striving to get out from under my high interest line of credit. I have worked in a stable retail management position for the past 8 years and very committed to improving my career and life goals. Some history on how my balance became this high - I became a first time homeowner at a very young age and made every mistake with credit card purchasing. Unfortunately it did not work out with my roommate. I had to reevaluate my situation and could no longer have joint ownership. I chose to move into an apartment and begin to pay off the credit cards. I consolidated with a line of credit that jumped to 28% after a certain amount of months. I take ownership of that mistake and I have been working a full time job and 2 part time side jobs to try and get rid of this debt. I am not going to be bankrupt from this. I am determined to pay it off and rid this from my life for good. I will work my tail off till the last penny is paid. I have good credit, just a high balance. I have never missed or have been late on any payments. I would use the Prosper Loan to pay off the following line of credit: MBNA/USBANK: $13,000 Total Debt Eliminated: $13,000 I have been a Co Manager for a couple of large retail chains for the past 8 years. My current company I have been at almost 2 years. The previous company was 6 years, the reason of separation was the company had been sold and closed. My current monthly net income is $2,160(Approx) Here's my monthly budget with my line of credit eliminated: $355.00 - Rent $110.00 ? Electricity, Water, Gas $60.00 ? Cell Phone $325.00 - Car Payment $280.00 - Gas (Almost an hour 1 way to work mostly highway) $35.00 - One credit card not paid off with loan (low interest with low balance) $200.00 - Groceries $1365 - total monthly expenditures I have $795.00 left over not including any part time jobs that I may have, not only for my Prosper Payment, but for savings and emergencies so that I never get into this situation again. 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. Thanks again for viewing my listing! |
| Borrower's Other Listings | |||||
|---|---|---|---|---|---|
| 93721 | No MIssed Payments. No More high interest. Please! | B | $14,000 @ 7% | Feb 05, 2007 | Expired |
| 99345 | DTI 24% Get rid of B of A high interest at 28% Ohio Cap 8% | B | $10,000 @ 7% | Feb 13, 2007 | Withdrawn |
| 139349 | DTI 24% High B credit Please rid me of High Interest MBNA | B | $13,000 @ 13% | May 19, 2007 | Withdrawn |
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