p2p lending at lending club
Consulting my Credit Cards and a Student loan

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Listing Information
Amount: $3,100.00 Status: Loan created
Grade: HR DTI: 9%
Lender Rate: 24% Borrower: J333J
Time Left: Finished State: GA
Funded: 100% Group: 435 Supporting Lenders - Get FUNDED @ LOWER % than ANY group
Loan Information
Loan Status: Current Origination Date: 2006-06-26 EricsCC ROI: 15%
Status History
Jul 12, 2006 Current
Oct 11, 2007 Late
Oct 24, 2007 Current
Sep 11, 2008 Late
Sep 27, 2008 1 month late
Oct 21, 2008 Current

Thanks for taking the time to review my loan. I am relisting after joining a different group so that I can offer potential lenders a higher rate."
 
My name is <st1:country-region><st1:place>Chad</st1:place></st1:country-region> and I live in <st1:place><st1:City>Atlanta</st1:City>, <st1:State>GA</st1:State></st1:place> with my wife of nearly 8 years and one little girl who is 2. I have lived in <st1:country-region><st1:place>Georgia</st1:place></st1:country-region> all my life. I have worked at an insurance company for 8 years now. I am a Claims Analyst. My wife was out of work for about 9 to 10 months last year and some this year. So it was only my income. This made it hard to get things paid on time. But she got a job in Febaury with a great company. We have been working hard to pay off and paid our bills on time.

Our combined monthly income is $3900 dollars per month. By consolidating my loans I will save over $483 Dollars per month.

There is truly only one purpose for my loan, as follows:

* I would like to get 4 of my credit cards and a student loan paid off. I would like just one payment a month than five. Plus I want to clear up my credit rating. I have been working on it and this would be a big help.

* I certainly don?t want to pay any overdraft fees to my bank or any late fees to Prosper.com so the money will always be in my account by the draft date.

* Again Last year we had a hardship in our lives that caused some negative marks on my credit rating. I have worked very hard over the past 4 months to repair my credit rating and have made all my payments on time ever since. This opportunity will allow me to continue to move my credit rating in a positive direction. I would truly appreciate you funding this loan so I can make the much-needed repairs to my credit.
Thank you for your time
<st1:country-region><st1:place>Chad</st1:place></st1:country-region>

Borrower's Other Listings
4691 Free From Debt E $5,400 @ 19% Apr 02, 2006 Withdrawn
5902 Credit Card Consolidation and Paying off Car Loan. E $5,000 @ 19% Apr 12, 2006 Expired
7007 Credit Card Consolidation and Paying off Car Loan HR $3,050 @ 19% Apr 22, 2006 Expired
11478 Consolidate Debts HR $3,050 @ 24% May 05, 2006 Withdrawn

 

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