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|Loan Status:||Default||Origination Date:||2007-10-10||EricsCC ROI:||-0%|
|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.
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