p2p lending at lending club
Consolidating bills into one monthly payment

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Listing Information
Amount: $4,700.00 Status: Loan created
Grade: D DTI: 16%
Lender Rate: 15% Borrower: z3stfullyclean
Time Left: Finished State: CA
Funded: 100% Group: (No Group)
Loan Information
Loan Status: Current Origination Date: 2007-10-16 EricsCC ROI: 12%
Status History
Oct 15, 2007 Current
Purpose of loan:
I just recently got married in May and as you know weddings can be very expensive. We needed money fast so i got two loans with high interest rates. Please help me get this loan so i can have one easy monthly payment.

My financial situation: 
I know i seem like a "High Risk" because of my poor credit grade but i have never been late on a payment for anything in my life! The reason for the poor grade is because of a non-returned library book 3 years ago. Because i am young i havent had many oppertunitues to establish credit so that one late book affected my score dramatically. I have a secure job where I make more then enough to make all of my monthly payments.

Monthly net income: $ 2700.00

Monthly expenses: $
  Housing: $ 425.00
  Insurance: $156.00
  Car expenses: $153.00
  Utilities: $90.00
  Phone, cable, internet: $75.00
  Food, entertainment: $150.00
  Clothing, household expenses $50.00
  Credit cards and other loans: $279.00 (trying to consolidate) 
  Other expenses: $75.00 (gas) 
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