Low DTI Credit Card Consolidation & Improve Credit w No DQs!
| Listing Information | |||
|---|---|---|---|
| Amount: | $15,000.00 | Status: | Loan created |
| Grade: | D | DTI: | 14% |
| Lender Rate: | 19% | Borrower: | Natasha435 |
| Finished | State: | UT | |
| Funded: | 100% | Group: | Future Innovations |
| Loan Information | |||||
|---|---|---|---|---|---|
| Loan Status: | Late | Origination Date: | 2007-09-28 | EricsCC ROI: | 14% |
| Status History | |
|---|---|
| Sep 27, 2007 | Current |
| Nov 12, 2008 | Late |
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Hello & thank you for considering my loan request. Currently, I am a Project Management professional (w/PMI certification) working w/ a small consulting firm based out of Michigan. I attended the University of Dominguez Hills & Marymount Palos Verdes College. My major was Computer Science w/ a Business Minor. I was a 4-year scholarship recipient & was immediately recruited to work on a classified project in Aerospace. For the past 30 yrs I've managed numerous projects in manufacturing, aerospace, banking, oil & gas, & several other industries. I began my profession in the Information Technology sector w/in the Aerospace industry. I have an only son whom I raised on my own for 16 yrs. Right now I have a beautiful 8 month old baby granddaughter who means the world to me! I spend a lot of time w/ her & expect to become her legal guardian w/in the next few months. If I am fortunate to be funded through Prosper, the money will be used to pay off my credit cards & allow me to improve my credit score. I'd like to consolidate all my credit card debt & a small loan under one umbrella making the monthly payment more manageable. Credit Cards to Payoff: Capital One: $ 1,200.00 @ 22% Chevron Fuel: $ 500.00 @ 21% Home Depot: $ 1,500.00 @ 30% (highest APR I have) HSBC: $ 700.00 @ 21% JCPenney: $ 1,500.00 @ 21% Target Visa: $ 1,000.00 @ 15% Tiger FCU: $ 2,000.00 @ 15% Medical / Loans: $6,600.00 @ 18% Explanation of Public Record: The public record (& subsequent release) on my credit report is for vessel property tax for the 26' sailboat I own. When I relocated, I submitted my forwarding address to the US Post Office, but did not know that property tax bills could NOT be forwarded. Therefore, I did not receive a bill when the taxes were due although I thought I would. I immediately paid the bill when I discovered it was late, but by then it had already appeared on my credit report. I'm now much more careful w/ my annual accounts. Monthly Net Income: $ 6,400 Monthly Expenses BEFORE PROSPER LOAN: $ 4208.00 (incl. mortgage) Housing: $ 2,375 (Mortgage) Insurance: $ 84 Car expenses: $ 160 Utilities: $ 114 Phone, cable, internet: $ 100 Food, entertainment: $ 250 Clothing, household expenses: $ 175 Credit cards & other loans: $ 303.98 (credit cards only) Other expenses: $ 646 (other loans) Monthly Expenses AFTER PROSPER LOAN: $3,058 (incl. mortgage) As you can see, I will have over $3,142 left over w/ which to pay my Prosper loan. My financial situation is improving now, & improving my credit is a top priority for me. I personally want to reassure the Prosper lenders that their investment in me is quite safe. The repayment of this loan will be my 1st priority each month & payments will be automatically withdrawn each month. I sincerely promise to make all my payments on time & never default on this loan. Thank you |
| Borrower's Other Listings | |||||
|---|---|---|---|---|---|
| 26060 | Restructure Debt | E | $20,000 @ 20% | Jul 22, 2006 | Expired |
| 187887 | Improve Credit Score | D | $9,500 @ 25% | Aug 15, 2007 | Expired |
| 194578 | Improve Credit Score | D | $9,500 @ 21% | Aug 29, 2007 | Expired |
| 197974 | Improve Credit Score | D | $15,000 @ 23% | Sep 05, 2007 | Withdrawn |
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