E score READ more please :) FICO DTI has Explanation-Husband
| Listing Information | |||
|---|---|---|---|
| Amount: | $3,500.00 | Status: | Loan created |
| Grade: | E | DTI: | 181% |
| Lender Rate: | 19% | Borrower: | JBRMOM |
| Finished | State: | CA | |
| Funded: | 100% | Group: | Have Money - Will Bid |
| Loan Information | |||||
|---|---|---|---|---|---|
| Loan Status: | 2 months late | Origination Date: | 2007-06-12 | EricsCC ROI: | -41% |
| Status History | |
|---|---|
| Jun 11, 2007 | Current |
| Sep 27, 2008 | Late |
| Oct 13, 2008 | 1 month late |
| Nov 13, 2008 | 2 months late |
|
Hello Lenders! Purpose of loan:I am going to pay off six credit card balances totaling $3500.00. My financial situation: My score is low because I have maxed out credit. The credit I have has helped me go to school and obtain my real estate license. I'll soon have my AA completed too! On my credit report you can see I have paid all my (and my husbands) bills on time every month. I take my credit very serious and that is why I am posting here. MY DTI includes any debt that is financed with my husband who income I cannot be put on this application. So therefore it looks like I owe more than I make.
$1200+ which will increase to $1600 in 3 weeks. This is my administrative job. Since I have my RE license I work the other part time hours for a broker and I'll be making additional income later this year from real estate. I have had steady work since I was 16 years old - yes 15 years ago.:) The only time I had to stop was when I went on bedrest while pregnant 7 years ago. I have done whatever it takes to make my bills even when I had to go on bedrest. Budget with $1200 income $150 Food, entertainment, Misc $50 Clothing/household expenses $130 Credit cards and other loans - these are the ones I am consolidating with this loan. $430 TOTAL Monthly expenses $770 remainder goes towards emergency, savings or the family bank account for other bills.*** **Housing, Utilities and other expense are paid through my spouse. We have life & medical insurance should something happen. The extra money from my income goes towards emergencies or the family pot with my husbands money. Details of the $3500 After prosper fee I get $3430 $1760 Capitalone Mastercard $990 Household Visa $380 Old Navy $300 GE Money Credit. $3430 Total Bills Consolidated Please ask me any questions and I'll be glad to answer. Thank you for checking out my posting and I hope you'll consider me! Thanks!!!! |
| Borrower's Other Listings | |||||
|---|---|---|---|---|---|
| 143835 | Don't Let my Rating Scare you :) - Debt Repayment Plan :) | E | $3,500 @ 24% | May 28, 2007 | Withdrawn |
| 252732 | SCORE is low * bills paid on time ;) DTI is spouse | E | $10,000 @ 29% | Dec 18, 2007 | Expired |
| 259681 | Prosper Loan Redo - Consolidate Remainder of Debt | E | $7,500 @ 22% | Jan 09, 2008 | Expired |
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