power to the market
| Listing Information | |||
|---|---|---|---|
| Amount: | $1,000.00 | Status: | Loan created |
| Grade: | HR | DTI: | 19% |
| Lender Rate: | 29% | Borrower: | NCcarebear |
| Finished | State: | NC | |
| Funded: | 100% | Group: | (No Group) |
| Loan Information | |||||
|---|---|---|---|---|---|
| Loan Status: | 3 months late | Origination Date: | 2007-07-20 | EricsCC ROI: | -42% |
| Status History | |
|---|---|
| Jul 19, 2007 | Current |
| Sep 06, 2007 | Late |
| Sep 21, 2007 | 1 month late |
| Oct 21, 2007 | 2 months late |
| Nov 11, 2007 | Current |
| Aug 04, 2008 | Late |
| Aug 22, 2008 | 1 month late |
| Aug 24, 2008 | Current |
| Sep 04, 2008 | Late |
| Sep 21, 2008 | 1 month late |
| Oct 21, 2008 | 2 months late |
| Nov 21, 2008 | 3 months late |
|
Purpose of loan: 1. To remove remaining DQs on credit report. 2. Purchase washer/dryer for client use. 3. Rebuild positive credit by paying prosper on time everytime. My financial situation: My budget has been tight due to two recent moves since Nov. 2006 and 2 large unexpected car repairs. Due to my poor credit, I financed my own car repairs and funded the cost of two moves with creative thinking, some family help, and most of my leftover income. With all this behind me, I will now be able to begin enjoying the extra income. 3000.00 Net Business Income (Therapeutic Foster Home contracting with Kidspeace) 625.00 Rent (already lowered from 1100.00 Nov. 2006) 400.00 Car 120.00 Ins 200.00 Elec 42.00 Prosper Payment 30.00 Orchard Bank CC (currently over the limit of 300) (will be paid off with loan) 10.00 cable (basic) (Lowered by 60.00 by lowering tier plan July 2007) 100.00 phone/internet 100.00 mobile phone (Lowered from 200.00 July 2007) 400.00 groceries 160.00 gas 100.00 clothes (required for my clients-social services includes 50 per month per client in my pay) 2287.00 total with 713.00 remaining + 30 from Orchard Bank payment. Car payment (Americredit) up to date to begin reporting current as of 7/14/2007 by taking care of an 800.00 delinquency. Prosper loan will be applied as follows: 200.00 used washer and dryer (clients will use) 323.00 drs. bonded collections-a negative on my credit report 400.00 Orchard Bank CC. 45.00 to park danson collections because-a negative on my credit report. The PRs are bankruptcies. Chapter 7 - 1999 after divorce. Home not included in bankruptcy. Spouse paid Mtg. pymt-900.00 Chapter 13 - 2003 still connected to divorce. Spouse stopped paying mtg. Bankruptcy payment - 500. Chapter 7-2005-converted after a 2 year struggle with trying to save the home on my own. I choose to auto-fund because I am not interested in having my interest rate offered bought down. There is no "gotta have the money now" going on, although I am very excited about prosper and can't wait to get funded. |
| Borrower's Other Listings | |||||
|---|---|---|---|---|---|
| 114915 | adoption | HR | $3,000 @ 15% | Mar 23, 2007 | Withdrawn |
| 115394 | foster parent adopting needs a boost | HR | $3,000 @ 15% | Mar 25, 2007 | Withdrawn |
| 115823 | helping lenders help me | HR | $2,000 @ 15% | Mar 26, 2007 | Withdrawn |
| 116528 | DQ payoff | HR | $1,000 @ 15% | Mar 28, 2007 | Expired |
| 166307 | DQ payoff | HR | $2,200 @ 25% | Jul 09, 2007 | Withdrawn |
| 167115 | HR yes, but no... | HR | $2,200 @ 29% | Jul 10, 2007 | Withdrawn |
|
Discussion For This Listing
|
||
|---|---|---|
|
No Comments Found For This Listing
|