Wanting to buy a house and need to get rid of debt.
| Listing Information | |||
|---|---|---|---|
| Amount: | $5,000.00 | Status: | Loan created |
| Grade: | C | DTI: | 29% |
| Lender Rate: | 18% | Borrower: | Fenceman |
| Finished | State: | UT | |
| Funded: | 100% | Group: | Craigslisters |
| Loan Information | |||||
|---|---|---|---|---|---|
| Loan Status: | 3 months late | Origination Date: | 2007-07-19 | EricsCC ROI: | -44% |
| Status History | |
|---|---|
| Jul 19, 2007 | Current |
| Nov 03, 2007 | Late |
| Nov 23, 2007 | Current |
| Jun 05, 2008 | Late |
| Jun 14, 2008 | Current |
| Jul 09, 2008 | Late |
| Jul 20, 2008 | 1 month late |
| Aug 20, 2008 | 2 months late |
| Sep 13, 2008 | Late |
| Sep 20, 2008 | 1 month late |
| Oct 20, 2008 | 2 months late |
| Nov 20, 2008 | 3 months late |
|
Explanation of circumstances: Right now we are in a situation where we would like to pay off our credit cards and especially our payday loans which are costing us a lot of money in extensions every month. With prospers loan we would be able to get these things paid off and actually have plenty of money leftover to pay on the prosper loan and also put money away. Purpose of Loan: To pay off high interest credit cards and payday loans plus some lingering medical debt. Occupation: Manager of a fencing supply company Length of employment: 2 months (seven years in the same industry) Occupation 2: Title Specialist (wife?s job) Length of employment: 7 years Current debts: 1) Account: Aspire Amount 860.00 Current interest rate:35 2) Account: Ameriquest Amount 400.00 Current interest rate:30 3) Account: Capital one Amount 335.00 Current interest rate:28 4) Account: Americredit Amount 17,000 Current interest rate:16 5) Account: Payday loans Amount 3,500 Current interest rate:400 Delinquencies 1) Account: Capital one (from bankruptcy) Amount $571.00 Action taken: Making payments to them in three installments to be satisfied with them. 2) Account: RC Willey (from bankruptcy) Amount $1100 Action taken Currently making monthly payments of $100 to pay them off. 3) Account: Amount Action taken 3) Account: Amount Action taken 5) Account: Amount Action taken Present Budget Income 43,000 (my income) $75,000 (combined) Pay Check $1350 (twice a month) Wife ($900 every two weeks) Expenses Loan Payments 150 Mortgage/ Rent: 500 Utilities and Gas : paid by landlord Car Notes: $420 Insurance: $127.00 Credit card1 $100.00 (combined for all three cards, making minimum payments) School Loan $232.00 Food $400 Household/misc: $360 daycare, $600.00 payday loan extensions Total Expenses: $2889.00 Left Over: $1611.00 Budget after Prosper Loan Prosper Payments: $206 Other Loan payments $150 Mortgage/ Rent: $500 Utilities and Gas : paid by landlord Car Notes: $420 Insurance: $127 Credit card1: paid by prosper loan School Loan : $232 Food : 400 Household/misc: $360 daycare; payday loans paid by prosper loan. Left over from Income: $2105.00 Savings due to Prosper Loan: $494.00 |
| Borrower's Other Listings | |||||
|---|---|---|---|---|---|
| 160754 | Putting my past behind me | C | $5,000 @ 23% | Jun 29, 2007 | Withdrawn |
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