Having BABY need to PAY OFF debt
| Listing Information | |||
|---|---|---|---|
| Amount: | $14,000.00 | Status: | Loan created |
| Grade: | D | DTI: | 40% |
| Lender Rate: | 28% | Borrower: | energyeli |
| Finished | State: | ID | |
| Funded: | 100% | Group: | (No Group) |
| Loan Information | |||||
|---|---|---|---|---|---|
| Loan Status: | Default | Origination Date: | 2007-06-25 | EricsCC ROI: | -76% |
| Status History | |
|---|---|
| Jun 23, 2007 | Current |
| Sep 09, 2007 | Late |
| Sep 27, 2007 | 1 month late |
| Oct 30, 2007 | 2 months late |
| Nov 26, 2007 | 3 months late |
| Dec 26, 2007 | 4+ months late |
| Oct 03, 2008 | Default |
|
*I have had a prior listing and got 100% funded however I had issues with the address verification postcard and now that is resolved. I am asking that anyone who is able to assist in refunding this loan please do.* Thank you for taking the time to read my loan request! My name is Moroni. I have been working as a Customer Service Representative for 4 yrs with DirecTV. I recently married in September 06 to a beautiful woman Michelle; we are expecting our first child in December. LOAN PURPOSE: - MBNA/Bank of America / Total Owed: $5065.97 / Mo. Pymt:$112.00 / Interest: 16.99% - Chase / Total Owed: $3166.64 / Mo. Pymt:$66 / Interest: 29.24% - Jared Galleria of Jewelry / Total Owed: $938 / Mo. Pymt $92 / Interest: 16% - US BANK / Total Owed: $2413.60 / Mo.Pymt:$100.00 / Interest: 7.40% - Furniture Row / Total Owed: $3499.54 / Mo. Pymt: 71.55 / Interest: 23.15% - Dental Bill/Medical Total Owed: $671.33 - Remaining to go to help with the baby. The majority of my credit problems occurred over 4 yrs ago. I was living in Salt Lake City, Utah and attending school while working full time. I lost my job and was unemployed for about 3 months. I was finally able to find a job that paid ok but only provided me around 30 hours a week. I ended up around September of 2002 moving in with my brother and at that time ended up have my some old checks stolen by him that has been resolved. In the process I left my job and moved home to live with my parents in Idaho, I was unemployed for 3 months. In transition of cleaning up the bad checks. I letting my credit slip a little with a few of my debtors and going delinquent on them. I paid them all and maintained a good credit history; I purchased a car in July of 05 and then an engagement ring in April of 06 for my beautiful new wife. I have been just attempting to maintain a balance between income and debt to help reduce a negative impact on my debt from this point forward. In February of this year we were in the process of buying a home and then Prosper has made 2 inquiries and my wife and I have got a different car. Those are the inquiries on my credit report. The delinquent account is one that was to be paid off with the prior listing that was fully funded and we had to let it slip to keep gas in the car and lights on in the house. BUDGET: My Income: $1860 Spouse's Income: $1070/mo. Expenses before Prosper Loan: Credit Cards/Loans: $531.00 Rent/Mortgage: $450 Car Payment: $545. Insurance: $140 Utilities (phone, cell, gas, electric, water): $195 Food: $120 Clothing: $000 Entertainment: $0 Medical: $57 Miscellaneous: $100 TOTAL EXPENSES: $2138 LEFT OVER: $792 Changes After Prosper Loan: Prosper Loan: $14000 Credit Cards/Loans:$591 includes prosper loan TOTAL EXPENSES: $1700 LEFT OVER: $ 700 I am an honest person who loves his wife and family. I am a hard worker and want to provide a good life for my family and unborn child (December). I have been able to hold down a job for 4 yr now with the same company. I am person of my word and strongly believe in being honest in my dealings with my fellow man. I know that with this loan that I would be able to reduce majority of my credit card debt and lower my debt to income ratio with it. With this loan it will help my wife and I become more financially free and stable. Thank you for taking the time to consider my request! Please let me know if I can answer any questions. Sincerely, Moroni & Michelle |
| Borrower's Other Listings | |||||
|---|---|---|---|---|---|
| 133860 | pay off credit cards | D | $11,000 @ 22% | May 07, 2007 | Withdrawn |
| 135001 | Having Baby and paying off credit cards | D | $14,000 @ 20% | May 09, 2007 | Withdrawn |
| 137293 | Having BABY need to PAY OFF debt | D | $14,000 @ 28% | May 14, 2007 | Cancelled |
| 150448 | Having BABY need to PAY OFF debt | D | $9,000 @ 24% | Jun 11, 2007 | Withdrawn |
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