Paying off my Macy's card
| Listing Information | |||
|---|---|---|---|
| Amount: | $1,400.00 | Status: | Loan created |
| Grade: | C | DTI: | 19% |
| Lender Rate: | 9% | Borrower: | linsloo99 |
| Finished | State: | NY | |
| Funded: | 100% | Group: | Have Money - Will Bid |
| Loan Information | |||||
|---|---|---|---|---|---|
| Loan Status: | Current | Origination Date: | 2007-08-23 | EricsCC ROI: | 6% |
| Status History | |
|---|---|
| Aug 28, 2007 | Current |
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Hello and thank you for viewing my listing. Please note that my state has a rate cap. I am 23 years old and graduated from college 3 years ago with a Bachelor of Arts degree in communications and journalism and also minored in cinema studies. I love animals, film, and books among other things! I am very responsible, loyal, loving and caring. My debt stems from charges I racked up while in college while I was living on my own with roommates, and then when I went to England to study cinema. I had no income and was living off of student loans and credit cards and didn?t really appreciate the meaning of ?a buck!? I also thought that credit cards were wonderful, until over time, the original low-rate APRs were raised to whopping 23.99% and thus I?ve been trying ever since to get out. I?ve paid off several of my credit cards and now have 3 left. Unfortunately, I now need help to get out of my credit card debt. I would use the Prosper Loan to pay off my Macy?s store credit card which now has a balance of $1,314. The current interest rate on this card is 23.99%! I have been at my current job as a marketing and communications specialist for an in-house advertising and public relations agency for a not-for-profit network of healthcare which includes 3 hospitals, rehabilitative care and over 30 affiliates in senior care. I was at my last job for 2 years as a circulation manager and stringer for 13 weekly newspapers and left that job for a much better job and higher salary. My current monthly net income is $2,080. Here's my monthly budget with the prosper loan in place: Rent: $804 Electricity: $85 Cable, Internet and Phone: $140 Gas: $60 Other credit cards not paid off with loan: $284 Groceries/entertainment: $150 Student loans: $110 --------------------------------------------------------------------- Total monthly expenditures: $1,639 As you can see, I have over $441 left over to be used, not only for my Prosper Payment, but for savings and emergencies so that I never get into this situation again. I can begin to live a normal life free from the stress caused by my credit cards. I have definitely learned my lesson! I promise that my payments to Prosper will be my top priority each month. In fact, I am going to have Prosper automatically withdraw my payments each month so that everyone, including myself, knows that my payment will be made on time, every time. I'm not about to make a mistake with this opportunity to start rebuilding my credit. Thank you for viewing my listing and God bless everyone! |
| Borrower's Other Listings | |||||
|---|---|---|---|---|---|
| 185184 | Ditching debt for good!! | C | $7,000 @ 13% | Aug 10, 2007 | Withdrawn |
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