HOT NEW LISTING. BID WITH CONFIDENCE!!!
| Listing Information | |||
|---|---|---|---|
| Amount: | $25,000.00 | Status: | Loan created |
| Grade: | B | DTI: | 26% |
| Lender Rate: | 16% | Borrower: | lovelyaimee |
| Finished | State: | CA | |
| Funded: | 100% | Group: | Not Active |
| Loan Information | |||||
|---|---|---|---|---|---|
| Loan Status: | 4+ months late | Origination Date: | 2007-10-15 | EricsCC ROI: | -45% |
| Status History | |
|---|---|
| Oct 14, 2007 | Current |
| Mar 01, 2008 | Late |
| Mar 17, 2008 | 1 month late |
| Apr 16, 2008 | 2 months late |
| May 24, 2008 | 3 months late |
| Jun 16, 2008 | 4+ months late |
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Low DTI, High Credit Rating, Low Risk, High Return. What are you waiting for, Hurry up and BID!!! The purpose of my listing is to consolidate debt and lower my monthly payments. I currently have two credit cards, and a personal loan that I wish to consolidate. The total amount is $23,862.41. The monthly payments on these three items totals over $1,700.00 per month. This prosper loan will lower my monthly payments by $768.00 per month, and I will have everything paid off within 3 years. This additional cusion is extremely important with two kids. Anyone with children can understand that unexpected expenses come up all the time. Having the extra money means that I can put more in savings in case of an emergency. About Me: I am 33 years old and have 2 kids, ages 6 and 9. I have worked full time as a Controller for the past 10 years. I love my work because it constantly challanges me to think and be creative. I also volunteer at my children's elementary school and attend church on Sundays. I believe that if you work hard and treat people fairly and honestly that in the end you will be rewarded. Why am I a good candidate? With my steady employment, consistent income and excellent credit rating I am a great candidate for Lenders on Prosper. I own my home and have verified my bank account to show that I am serious. The payment on the new loan will be replacing payments that are much higher now. I started at the maximum rate so keep bidding to reduce my interest! Any one of these factors is a great reason to bid on this listing; but with all of them combined you'd have to be crazy not to! Nobody's Perfect, what's the catch? My credit portfolio does show 2 delinquencies. This is the same item that was duplicated when sold from one collection agency to another. The original item was around $300 from Nextel. This item is in dispute. I never owned any Nextel phone and I never used their sevice. After several requests they have not been able to provide any contract or agreement that I have signed. Even though this collection is in dispute they still report late payments on this account, which is why the listing shows 24 delinquencies in the last 7 years. I am constantly in a battle with the credit agencies to remove them. This should show that these are not delinquencies, but rather inaccuracies. Need to know more? This should explain the reasons why I am requesting this loan, how I will pay it back, and why it makes sense. I have also explained the inaccuracies in my credit report; which are much different then delinquencies. My income and expenses are listed below, but if you need to know more I will be in the "Review My Listing" forum, and you are welcome to ask me any questions by posting them on the listing as well. Monthly net income: $ 5,630.00 Monthly expenses: $ 5,100.00 Housing: $ 2,500.00 Insurance: $ 200.00 Car expenses: $ 0.00 Utilities: $ 100.00 Phone, cable, internet: $ 100.00 Food, entertainment: $ 350.00 Clothing, household expenses $ 150.00 Credit cards and other loans: $ 1,300.00* Other expenses: $ 400.00* Proposed Loan: $ 932.00 *Expenses Eliminating: $ 1,700.00 Total Monthly Savings: $ 768.00 |
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