Mac for Graphic Designer Re-list
| Listing Information | |||
|---|---|---|---|
| Amount: | $2,250.00 | Status: | Loan created |
| Grade: | C | DTI: | 0% |
| Lender Rate: | 13% | Borrower: | nextmarket |
| Finished | State: | NY | |
| Funded: | 100% | Group: | Apple User Group |
| Loan Information | |||||
|---|---|---|---|---|---|
| Loan Status: | Paid | Origination Date: | 2007-08-28 | EricsCC ROI: | 12% |
| Status History | |
|---|---|
| Aug 28, 2007 | Current |
| May 27, 2008 | Payoff in progress |
| Jun 05, 2008 | Paid |
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This is basically a re-list and my credit score has improved. I have included flash funding as I am happy to pay this interest rate. I have been able to sell my 17" Powerbook G4 for $1330 and my iMac for $1750. I have sold some other small items such as my Wireless Mouse, Wireless Keyboard and Canon Printer. I am re-listing for $2250 which covers the MacBook Pro. Any help, questions or suggestions on this listing will be greatly appreciated. I plan on paying this loan back within a year and then plan on re-listing for a larger amount once my credit has improved. Purpose of loan: Pay off a credit card which I put my new MacBook Pro on. I currently own 1 Mac. I had an Intel iMac(1 year old), a MacBook Pro (1 year old) and a 17" Powerbook G4 (3 years old). If I am approved here, I plan on selling all of my Macs and using the money to pay off high credit card debt. I will then use the money received here (at a lower interest rate) to buy a newer, faster Mac (which I have just bought). I live both in New York and Brazil. Therefore, I can sell the old Macs for a very good amount. I have the MacBook Pro listed for $2060 and it looks like it will be sold within the next few days. My financial situation: I am currently self-employed and have been since 1999. I have a fixed income of $5000.00 after taxes which I receive from a stipend. I am not taking money out of my business at this present time. My business is within the realm of marketing. I own an agency with a partner which sets up marketing strategies for small to medium sized businesses. We also organize seminars, trade shows and musical presentations. My business is showing a profit at this time, however, we are reinvesting in order to help it grow as much as possible. We currently have a data-base programmer, a web designer, a html coder, 2 graphic designers and a secretary. I also sell on both eBay and MercadoLivre. My eBay account is: awbainc and my MercadoLivre account is: vitoriaja . This loan will be paid off with automatic transfers made to Prosper on a monthly basis. Monthly net income: $ 5000.00 Monthly expenses: $ 4100.00 Housing: $ 600.00 Insurance: $ 150.00 Car expenses: $ 200.00 Utilities: $ 200.00 Phone, cable, internet: $ 500.00 Food, entertainment: $ 400.00 Clothing, household expenses $ 300.00 Credit cards and other loans: $ 1250.00 (This amount will be lowered by the sale of my Macs. I pay much more than the min.) Other expenses: $ 500.00 Conclusion: This loan will help me to not only get a better, faster computer in order for me to further my work but will also reduce my total debt by approximately $2500 and my high interest debt by about $5000. I am absolutely sure that I can make pay back this loan with on-time payments and would like to pay it off early in order to improve my reputation and credit score. If the future, I would like to get a single loan with a good rate to pay off all of my high interest debt. Your help, big or small, is greatly appreciated. Negatives on Credit: The delinquents were in 2005 when I owned a Brazilian granite export company. The company had problems and I was left to clean up the pieces. I paid off more that $20,000 in 4 months. The public record was for my 1999 taxes which my accountant had forgotten to file. I have dealt with this with the IRS and have was told that this would be removed more than 2 years ago. |
| Borrower's Other Listings | |||||
|---|---|---|---|---|---|
| 170268 | Debt free in 3 years. | D | $22,000 @ 14% | Jul 16, 2007 | Withdrawn |
| 175955 | New Mac for Graphic Designer | D | $2,500 @ 13% | Jul 31, 2007 | Expired |
| 185137 | Mac for Graphic Designer Re-list | D | $2,000 @ 13% | Aug 10, 2007 | Expired |
| 348628 | Second Prosper Loan - Debt Consolidation | C | $7,500 @ 31% | Jul 31, 2008 | Expired |
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