Great job, honest person, max state rate!
| Listing Information | |||
|---|---|---|---|
| Amount: | $7,000.00 | Status: | Loan created |
| Grade: | D | DTI: | 5% |
| Lender Rate: | 17% | Borrower: | Guineapigguy |
| Finished | State: | WA | |
| Funded: | 100% | Group: | Microsoft Employees |
| Loan Information | |||||
|---|---|---|---|---|---|
| Loan Status: | Current | Origination Date: | 2007-08-10 | EricsCC ROI: | 13% |
| Status History | |
|---|---|
| Aug 10, 2007 | Current |
|
Purpose of loan - To clear up my credit line and to hire an attorney to remove the current inaccurate delinquencies in my credit report, so that I can buy a home one day. Background - Thank you for taking the time to review my listing. Here's a little about me and why I am requesting this loan. About four years ago, I moved to Washington State to work at Microsoft (where I am still currently employed). I moved because I was getting out of a bad long term relationship (of 9 years) and wanting to start over. To make a long story short, I had allowed my ex girlfriend to handle my bank account and bills, (which I regret) that ultimately created this mess. During this time she had incurred over 30k in debt in my name and failed to pay many of the bills, hence the delinquencies. With most of it paid off, there are still some issues to resolve. Since I fought all of these collection agencies off myself, I have given up on the last 2,218 dollars due to the greediness and complexity of a few hardnosed collectors. I am in the process of working with an attorney to clear up my credit completely. These delinquencies are not current, meaning that they are not for lines of credit opened in the past 3 years. These are for accounts that have been in dispute during the time I was with my ex girlfriend. These delinquencies stem from several collection agencies trying to pressure me to cave into their demands. Being the responsible person that I am, I have never filed for bankruptcy and went through pains trying to rebuild my credit. I need your help to bring back my credit score back to 730. I want to buy a house in the next year, so having better credit will be important. So why not just pay them the 2,218 and move on? Why hire an attorney and potentially incur more debt? - Because my credit score is valuable to me, I want to make sure that it is indeed accurate. There are some inaccuracies still in my credit file that need to be addressed by these scum collectors. Because of their improper practices, my attorney has advised me that we may be able to sue for damages to my credit. Why I am a good candidate for this loan I have 1 credit card (Capital One max line $500) Stable employment I?ve paid off 98% of my debts Low debt to income ratio (4%) Food and Rent are my biggest expenses. Monthly net income: $ 4800 Monthly expenses: $ 2230 Housing: $ 1000 Insurance: $ 180 Car expenses: $ 0 Utilities: $ 40 Phone, cable, internet: $ 60 Food, entertainment: $ 400 Clothing, household expenses $ 200 Credit cards and other loans: $ 150 Other expenses: $ 200 How I will pay this loan off - I have setup this account for electronic funds transfer. Once again, thank you very much for your time, and I thank all of you for making this non "traditional" type of lending work! Let's put the banks out of business!! Feel free to contact me if you have any further questions. |
| Borrower's Other Listings | |||||
|---|---|---|---|---|---|
| 172462 | Rebuilding my credit... Almost there! | D | $6,000 @ 22% | Jul 21, 2007 | Withdrawn |
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