Purpose of loan:
I am requesting a consolidation loan as part of the 2nd phase of a 3-phase plan that I created for myself to take care of my present credit situation and to guard against a repeat in the future. I have made serious mistakes regarding my credit, especially thinking that the more cards I had, the better credit score I would have...I was so wrong! I have improved my credit in the last 4 years by making timely payments and always paying more than the minimum due. My FICO credit score is 658!
My financial situation:
I work as a bookkeeper for the same company for 12 years. Occasionally I work a 40 hour week, but for the last year and a half, I've worked an average of 60-65 hours every week. I enjoy what I do and the people I work for. We receive a % bonus every year and that bonus will go towards repayment of this loan. I also have a second job (approx. 10 hours a week) where I've worked for 7 years. I consider myself a hard worker, dedicated employee, if the company isn't successful, than neither am I.
Monthly net income: $ 3035.94 (working 40 hour weeks)
Current Credit Card Debt: $13,540.49
Citicard 2875.76
Household 636.45
Household 656.26
WAMU 1325.01
WAMU 592.05
Juniper 332.69
Chase 281.53
Chase 2815.80
Direct 1561.14
First Prem 152.00
Cap One 400.52
Home Depot 951.00
Amer Home 960.28
Monthly expenses: $ 1990.00
Housing: $ 791.00
Insurance: $ 100.00
Car expenses: $ 564.00 (gas included)
Utilities: $ 160.00
Phone, cable, internet: $ 100.00
Food, entertainment: $ 275.00
Clothing, household expenses $ 0.00 That leaves a total of $1045.00 to pay this loan back. I will sign up for automatic deductions from my account to ensure prompt payments to Prosper. I am committed to all aspects of my life, my debt free future and I will be just as committed to this loan and the people who bid on it. I thank you in advance for your consideration to my request!
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