Hard Working Mom Pays Credit Cards after Maternity Leave!!
| Listing Information | |||
|---|---|---|---|
| Amount: | $20,000.00 | Status: | Loan created |
| Grade: | C | DTI: | 51% |
| Lender Rate: | 19% | Borrower: | 143myangels |
| Finished | State: | CA | |
| Funded: | 100% | Group: | Future Innovations |
| Loan Information | |||||
|---|---|---|---|---|---|
| Loan Status: | 4+ months late | Origination Date: | 2007-10-01 | EricsCC ROI: | -52% |
| Status History | |
|---|---|
| Sep 29, 2007 | Current |
| Jun 16, 2008 | Late |
| Jul 09, 2008 | 1 month late |
| Aug 02, 2008 | 2 months late |
| Sep 04, 2008 | 3 months late |
| Oct 02, 2008 | 4+ months late |
|
Hello & thank you for reviewing my loan request. Both I & my husband work at AAA Insurance here in California. I have been a Product Analyst for 19 yrs & he has worked as a Business Analyst for 10 yrs. We have 3 wonderful children ages 10, 7 & 1. I was recently out on a medical disability due to complications following the birth of my son but I have returned to work full time. If I am fortunate enough be funded thru Prosper, we will use the funds to consolidate all our high interest credit card debt & lines of credit. Credit Cards to Consolidate/Pay Off: Capital One: $2,650.52 @ 28.15% Orchard Bank: $172 @ 30.49% Applied Card Bank: $350 @ 23.99% Target: $175 @ 24.24% Beneficial: $6,453 @ 22.98% Citifiancial $10,200 @ 22.99% Explanation of Past Delinquences: The nine delinquencies in the last seven years was due to my husband going through a divorce (in 2003) which in the ended up costing us $20,000. My husband & I earn very good money & get annual bonuses/raises. I was on medical disability after the birth of my 2nd son but have returned to work F/T. Monthly Net Income: My income is $3,091/mo. net thru 12/14/07 & $3,144 after 12/14/07; my husband?s income is $3,598 for a combined total of $6,689, plus we receive $900/mo. rent from our in-laws for a monthly total of $7,589. Monthly Expenses BEFORE PROSPER LOAN: $6,581 Mortgage $2,778 Car Insurance: $186 Car Loans: $650 Utilities (+ phone, cable & internet): $600 Food, Entertainment: $300 Clothing, etc: $1,260 ($960 daycare/$300 other) Credit Cards & Loans: $807 Monthly Expenses AFTER PROSPER LOAN: $5,774 As you can see, we will have over $1,815 left over with which to pay our Prosper loan! Our family finances are good and getting better since I returned to work fulltime! Improving my ?C? credit score since my maternity leave is extremely important to me. My repayment of this loan will be a top priority and the payments automatically withdrawn each month. I promise to make all my payments on time and never default on this loan. Thank you once again for your faith and support in me! |
| Borrower's Other Listings | |||||
|---|---|---|---|---|---|
| 187143 | Consolidation of Debt / New Business Ventures | B | $25,000 @ 21% | Aug 14, 2007 | Withdrawn |
| 194494 | Consolidation of Credit Cards & Loans after Maternity Leave! | B | $25,000 @ 29% | Aug 29, 2007 | Withdrawn |
| 198385 | Consolidation of Credit Cards & Loans after Maternity Leave! | B | $25,000 @ 18% | Sep 06, 2007 | Expired |
| 202516 | Consolidation of Credit Cards & Loans after Maternity Leave! | C | $18,000 @ 19% | Sep 16, 2007 | Withdrawn |
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