CLEAN CREDIT CARDS CONSOLIDATION
| Listing Information | |||
|---|---|---|---|
| Amount: | $10,500.00 | Status: | Loan created |
| Grade: | D | DTI: | 43% |
| Lender Rate: | 19% | Borrower: | ali_26 |
| Finished | State: | CA | |
| Funded: | 100% | Group: | CALIFORNIA LENDING GROUP |
| Loan Information | |||||
|---|---|---|---|---|---|
| Loan Status: | Current | Origination Date: | 2007-10-22 | EricsCC ROI: | 15% |
| Status History | |
|---|---|
| Oct 19, 2007 | Current |
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Thank you very much for visiting my loan listing! The purpose of this loan is to fully consolidate all my credit cards. The main reason I am kind of "maxed" out is because I had a car accident last October. My car was totaled and the Insurance Co. didn't pay off the existing loan ( no Gap Ins.) I was left with 4K balance that needed to be paid off in full and I also needed another $3k down payment so I could get into the next car. I have my car loan through my credit union at 6% rate. My family could of helped me but I tried to getting out of this problem on my own. I am very independent but unfortunately I didn't have all the cash in savings so I had to depend on the credit cards (what a mistake!). Although I have been paying mostly interest I am PROUD to say that I have never missed a payment in my entire life and I plan to keep it that way. I strongly believe that I am a good candidate for this loan because I have a 5 year job in a very stable financial company. I work for American General Finance as a Senior Account Specialist. I basically deal with people's credit needs and that makes me very well aware of how beneficial this loan will be in my current situation. Unfortunately my Company does not offer any kind of loan assistance at this time, but hope fully I can get some help here. I was introduced to Prosper recently and was a bit intrigued at first, but I like the idea of paying interest to real people instead of already ridiculously-rich financial institutions. Once all credit cards gets paid off I will leave accounts opened so I don't lose my credit seniority (cards are already cut-up) and not been used in quite a while. Monthly NET income: $2578 Monthly NET outcome: $1712 Housing $0 (blessed to live on parents 'huge' house for free) Insurance $ 105 (car only, health and life is deducted through work) Car expenses: $329 payment, $225 or so on gas Cell phone $53 Food and Entertainment $350 Clothing and Girl expenses $200 Credit card payments $450 (gone after this loan) Monthly NET left before Prosper loan $866 Monthly NET left after Prosper loan $ 941 (assuming Prosper loan funds around 20% rate w/ payment of $375) I honestly appreciate your time in reading my listing and hopefully you can bid on my loan request. Feel assured of prompt payments as my credit is very important to me. Sincerely, Alicia |
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