Credit Card Consolidation & Landscaping NO DQ's & LOW DTI!!
| Listing Information | |||
|---|---|---|---|
| Amount: | $8,000.00 | Status: | Loan created |
| Grade: | C | DTI: | 23% |
| Lender Rate: | 18% | Borrower: | Ryan93075 |
| Finished | State: | CO | |
| Funded: | 100% | Group: | Future Innovations |
| Loan Information | |||||
|---|---|---|---|---|---|
| Loan Status: | Current | Origination Date: | 2007-09-19 | EricsCC ROI: | 14% |
| Status History | |
|---|---|
| Sep 19, 2007 | Current |
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Hello and thank you for taking a look at my loan request! I have a stable career and am respected in my field working for the State of Colorado at the Department of Education as an analyst for over 8 years. I am a graduate of Regis University with a Bachelor of Science in Computer Network Administration. However, my day-to-day responsibilities are much more related to project management and the analysis and reporting of student and teacher data. Purpose of Loan: I just recently purchased my own home in July 2007. Prior to doing so, I was happily credit card debt free and only paying student loans and a car loan. However, in the process of purchasing a home, I took a small loan from my credit union and used a few of my credit cards to supplement moving expenses, including purchasing necessary household items for myself and my young daughters. Although I don't believe my debt is extraordinary, I find the interest rates and fees credit companies charge frustrating. This loan would enable me to simplify my finances and reduce my interest rate by consolidating my debts. I would also like to use some of this loan to improve my home by completing some minor landscaping in the back and fixing some concrete issues on the front driveway. If I am fortunate to be funded through Prosper the $8,000 would be used as follows: 1. Credit Card pay off totaling $5900 Paypal MasterCard: $2,300 Capital One Visa: $1,625 Lowes: $1,350 Mervyns: $625 2. Repair front driveway @ $1200 (quoted estimate) 3. Complete minor landscaping in back yard River Rock: $300 Flagstone: $185 Rototill Rental: $165 Miscellaneous Supplies: $200 My Financial Situation: My daughters and I live modestly, with most of my disposable income going to early debt repayment. I went through a divorce three years ago which caused some financial disruptions to my credit. Since then, however, I have done well to rebuild my credit and maintain financial stability. Monthly Net Income: My monthly gross is $4,750, with a net income of $3,299.55, which includes deductions for taxes, insurance, parking, and donations. Total Monthly Expenses: $2,495 Housing: $ 1350 Insurance: $ 105 Car expenses: $ 275 Utilities: $ 150 Phone, cable, internet: $ 65 Food, entertainment: $ 200 Clothing, household expenses $ 200 Credit cards and other loans: $ 150 (low interest Credit Union Loan) As you can see I will have $800 left over each month to repay my Prosper loan. My finances are very good & I have no problem meeting all my obligations. Improving my solid ?C? credit score even higher is extremely important to me. Repayment of my Prosper loan will be my 1st priority, so payments will be automatically withdrawn. I promise to make all my payments on time & not default on the loan. Thank you for considering my listing, I appreciate your bid. |
| Borrower's Other Listings | |||||
|---|---|---|---|---|---|
| 194044 | Debt Consolidation/Landscaping | C | $8,000 @ 19% | Aug 28, 2007 | Expired |
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