Debt Consolidation - No Current Delinquencies
| Listing Information | |||
|---|---|---|---|
| Amount: | $5,000.00 | Status: | Loan created |
| Grade: | E | DTI: | 21% |
| Lender Rate: | 21% | Borrower: | busymomma22 |
| Finished | State: | UT | |
| Funded: | 100% | Group: | epStock.com |
| Loan Information | |||||
|---|---|---|---|---|---|
| Loan Status: | Current | Origination Date: | 2007-08-23 | EricsCC ROI: | 17% |
| Status History | |
|---|---|
| Aug 28, 2007 | Current |
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Purpose of loan: I appreciate you taking the time to read my listing. I truly believe in the power of positive thinking and the law of attraction. This loan will be used to consolidate high interest credit cards, medical and dental bills. We would like to purchase the house we currently rent by the end of the year. The house we are going to purchase is worth $420k, and we will pay $290k. This will give us a large amount of equity, which we will use to pay off this prosper loan, and any other debt. We are getting a great deal on the house, because my husband works for the company that built the house and they are renting it to us until we have our credit in line to purchase it. Here is what we will be paying off with this loan: Washington Mutual: $2000 @ 29% Capital One: $300 @ 20% Target: $200 @ 21% Security Finance: $1000 @ 91.19% annual percentage rate Medical Bill: $1500 Dental Bill: $2000 My financial situation and additional information: I am a very responsible and self-disciplined person. I have worked in the same profession (Medical Coding) for 10 years and currently employed with the federal government for the past 4 years. My husband also makes a great income with a generous bonus plan. He pays for the majority of our living expenses. Together our annual income is $80k, plus his average yearly bonuses are $12k. We have three beautiful children that deserve the best. This loan will help me consolidate our debts into one easy payment. Our credit has 2 public records. The first BK was dismissed due to the court date not working for our attorney and us. It was then discharged in July 2003. The 7 delinquent accounts are all accounts from the BK. We have worked very hard on rebuilding our credit. Currently my credit score has come up 100 points in one year. I will not do anything to jeopardize what we have worked hard to obtain. All payments on this loan will be paid on time each month. This loan will help us get bills paid off faster and obtain these goals for my family. Monthly net income: $ 2130.00 Monthly expenses: $1050.00 Food: $200 Gas $100 Credit Cards and other loans: $750 My husband pays the following: Housing, Insurance, Car Loan, Utilites, Phone, cable, Internet **Currently I pay $750 for our debts. This loan will save me $550 a month. |
| Borrower's Other Listings | |||||
|---|---|---|---|---|---|
| 161165 | Striving to be debt free/stress free!!! | D | $15,900 @ 24% | Jun 30, 2007 | Expired |
| 164334 | Striving to be debt free | D | $15,900 @ 24% | Jul 09, 2007 | Expired |
| 172781 | Relist: 3rd Times the Charm, help consolidate debts | D | $12,500 @ 24% | Jul 20, 2007 | Expired |
| 179593 | Relist: PLEASE help consolidate debts | E | $7,000 @ 23% | Jul 31, 2007 | Withdrawn |
| 185087 | Relist: PLEASE help consolidate debts | E | $7,000 @ 25% | Aug 11, 2007 | Withdrawn |
| 393625 | NO PROBLEM BORROW - 1st LOAN ALWAYS PAID ON TIME!! | D | $7,500 @ 35% | Sep 05, 2008 | Expired |
| 397761 | NO PROBLEM BORROW - 1st LOAN ALWAYS PAID ON TIME!! | D | $5,000 @ 35% | Sep 13, 2008 | Expired |
| 403393 | Current Borrow Needs A Second Loan | D | $7,500 @ 35% | Oct 04, 2008 | Expired |
| 413477 | Current Borrow Needs A Second Loan | D | $7,500 @ 35% | Oct 14, 2008 | Cancelled |
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