Home Repairs
| Listing Information | |||
|---|---|---|---|
| Amount: | $2,500.00 | Status: | Loan created |
| Grade: | E | DTI: | 8% |
| Lender Rate: | 22% | Borrower: | RBJ72 |
| Finished | State: | ID | |
| Funded: | 100% | Group: | (No Group) |
| Loan Information | |||||
|---|---|---|---|---|---|
| Loan Status: | Default | Origination Date: | 2007-10-10 | EricsCC ROI: | -0% |
| Status History | |
|---|---|
| Oct 11, 2007 | Current |
| Sep 25, 2009 | Late |
| Oct 13, 2009 | 1 month late |
| Nov 14, 2009 | 2 months late |
| Dec 11, 2009 | 3 months late |
| Jan 11, 2010 | 4+ months late |
| Jan 12, 2010 | Default |
|
Purpose of loan: Need some help funding Home improvements Low DTI- I need to build a roof over my front porch. I would build and pay as I go but I have to get this project done before the snow starts to fall . I live in an area of Idaho that gets heavy snowfall. Last year my wife slipped while carrying our baby daughter and I would like to ensure the safety of my family (they are in the picture). This loan will go a long way to increasing the value of my home and the safety of my family. My financial situation: I am a recent college graduate with a B.A., an addition I have a nursing license. These educational assets provide me with stable employment. I have been employed by the same health-care corporation for nearly eight years. My income is steadily increasing and I am working at improving my credit. My two delinquencies are explained as follows: 1) I am $100 over the limit on my credit card. I bought school supplies and textbooks with it over the summer semester. They report the whole amount as delinquent even though I am only over $100.00. This will be brought current in 3 weeks. 2) Auto insurance provider continued to bill me after I cancelled my insurance with them and went with another provider. I have disputed this report. My public record is not a bankruptcy and is due to a single medical visit that did not get covered by my insurance. There was some confusion and disagreement between the insurance company, the hospital, and myself. In the end I took responsibility and paid the bill in full. Monthly net income: $ 3010.00 Monthly expenses: $ Housing: $ 505.00 Insurance: $ 25.00 Car expenses: $ 75.00 Utilities: $ 100.00 Phone, cable, internet: $ 50.00 Food, entertainment: $ 600.00 Clothing, household expenses $ 100.00 Credit cards and other loans: $ 25.00 Other expenses: $200.00 ------------------------------------------------------------ Total expenses: 1680.00 As you can see this leaves 1330 in disposable income with which to pay my prosper account. I plan on having my prosper payment deducted automatically from my checking account electronically each month. |
| Borrower's Other Listings | |||||
|---|---|---|---|---|---|
| 204089 | Home Repairs | E | $3,000 @ 28% | Sep 19, 2007 | Expired |
| 207529 | Home Repairs | E | $2,500 @ 28% | Sep 26, 2007 | Expired |
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