Pay Off Delinquent Acct
| Listing Information | |||
|---|---|---|---|
| Amount: | $5,000.00 | Status: | Loan created |
| Grade: | B | DTI: | 32% |
| Lender Rate: | 14% | Borrower: | momofangelsx3 |
| Finished | State: | IL | |
| Funded: | 100% | Group: | (No Group) |
| Loan Information | |||||
|---|---|---|---|---|---|
| Loan Status: | Current | Origination Date: | 2007-07-03 | EricsCC ROI: | 10% |
| Status History | |
|---|---|
| Jul 03, 2007 | Current |
|
Purpose of loan: I need this loan because I have 1 CDQ in the amount of $3300 I need to pay. I recently attended a University and, for personal reasons, I had to leave early. As a result, I was sent a bill for $3300. At the time, they wanted me to pay $330/month for 10 months but I couldnt afford to pay that and my other bills, too. Now, I am able to make those payments but since it has been sent to collections I would like to have some leverage to negotiate a possible deletion of this item off my credit report. My goal is to raise my credit score even more. When I originally listed I was a "D" now I am a "B" and steady improving. I did make a few poor choices when I was younger and that was due to lack of knowledge about money and credit. In 2000 I did file bankruptcy and that was because after the birth of my son my 2 income family became a 1 income family and we leaned on our credit cards to make up for the missed income. We had every intention on paying the money back but financially we were drowning in debt. And at that time that was our only way out. Since then I have bought a house(no missed or late payments). And I pay all my bills on time. I look forward to the day when these negative items on my credit report are behind me. I also would like to pay off my credit cards(capital one $500, orchard visa $300 and orchard mc $500), I have never missed a payment or had a late payment. I have been seperated for 5 years and I think it is time to move on. I would use the rest to get a divorce. I am a true believer in not burning my bridges. I have tried to get financed other places and it seems nearly impossible. And with that being said I may need to come back to get financed here, so I am not going to mess up. I may be the exception but I feel a persons financial past is not always an indication of their financial future. Thank you for taking the time to read my listing. Any and all questions/comments are appreciated My financial situation: I am a dispatcher for a security company and I have been with them for nearly 5 years ($1360/mo). I also work as a personal assistant (I help the elderly/disable remain in their home). I have had this job for 1 year($1096/mo). I also recive rental income $500/mo. Total $2956/mo Monthly expenses: $ Housing: $ 430 Insurance: $ 190 Car expenses: $ 350 Utilities: $ 250 Phone, cable, internet: $175 Food, entertainment: $ 250 Clothing, household expenses $ 200 Credit cards and other loans: $ 135 Other expenses: $ 100 total ($2080) Total left $876/mo plus an additional $50/ mo(consolidating credit cards)=$926 extra per month. I am a good investment |
| Borrower's Other Listings | |||||
|---|---|---|---|---|---|
| 133449 | credit clean up | D | $4,000 @ 22% | May 06, 2007 | Expired |
| 143494 | Fresh start.... no credit cards | D | $6,500 @ 22% | May 28, 2007 | Withdrawn |
| 147964 | I would like to pay off my delinquent accounts..Fresh start | D | $6,500 @ 24% | Jun 06, 2007 | Expired |
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