RELIST!! PERFECT Pay History-NEW PARENTS.
| Listing Information | |||
|---|---|---|---|
| Amount: | $5,500.00 | Status: | Loan created |
| Grade: | D | DTI: | 27% |
| Lender Rate: | 16% | Borrower: | wyattsdaddy |
| Finished | State: | OH | |
| Funded: | 100% | Group: | (No Group) |
| Loan Information | |||||
|---|---|---|---|---|---|
| Loan Status: | Current | Origination Date: | 2007-10-25 | EricsCC ROI: | 13% |
| Status History | |
|---|---|
| Oct 24, 2007 | Current |
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+++Always Pay On Time - Never Delinquent+++ Purpose of loan I am trying to get one loan to consolidate our debt to receive one lower payment. My wife and I have several medical bills from having our son that insurance didn?t cover, as well as some debt from a credit card and other loans (including a sky-high rate Cash Call loan). Now we would just like to get this loan to consolidate our bills into one lower payment and get our new family off to a great start by being debt-free in three years or less. For the past year or so we have been putting all our extra money towards helping out other family members while they have been in financial needs. Now we would really like to help ourselves and this loan will help us do that. We have recently tried to get approved for a mortgage but with the high interest loans I spoke about it is holding us back. Please help me get a new loan with a lower rate to pay those off. The other reason for this loan is that we would really like to get our credit score up much higher so that we will be able to buy a house with a good rate after we pay off the consolidated bills. Making the payments on time ? like we always have ? will help, we?ll have fewer bills and lower bill payments overall, plus we?ll be able to save even more toward a down payment for a house. Financial situation We are good candidates because both of us have very good jobs that pay well and we have now learned how to budget our spending with our bills. We no longer use credit cards (we only have 1 for emergencies and the limit is pretty low). We are married and have a son now so we?re even more focused on being responsible with money. Our payment history on our credit is perfect - even while my wife was off on maternity leave for an extended period ? and we are very good about making our payments as you can see in my profile. And seeing how we do not have our own place our housing expenses are limited so we are fully capable of making our payments. Monthly net income: $5,200 (including my wife?s $1,900) I make about $60K a year ($3,200 net a month) and my wife makes $35K a year ($2,000 a month net). So total between the two of us is about $89K a year ($5,100 a month net). Monthly expenses: $4,030 Housing: $0 (live with family) (I put 0 because there is not a set amount we help put money towards the housing and utilities where we live w/ our family which varies each month) Insurance: $200 Car payments, expenses: $800 Phone, cable, internet: $200 Food, gas, entertainment: $400 Clothing, household expenses $250 Other expenses: $700 (daycare) Loan payments: $150 and $250 and $215 =615 (BOTH OF THESE WILL BE GONE WITH FUNDING) Credit $250 (WILL BE GONE WITH FUNDING) Prosper loan payment (estimate) $300 Medical Bills: $150 +165 (the 165 is only until March of 2008) (WILL BE GONE WITH FUNDING) (Total amount we owe is about $2,000 but we have payment arrangements for monthly payments that total about $150 a month) I would really like to be able to pay those off. Monthly extra income: $ 1170 (with Prosper consolidation) TOTAL EXTRA INCOME AFTER FUNDING: $2350 +++ Always Pay On Time - Never Delinquent +++ |
| Borrower's Other Listings | |||||
|---|---|---|---|---|---|
| 185242 | PERFECT Pay History-NEW PARENTS. | E | $10,000 @ 22% | Aug 10, 2007 | Withdrawn |
| 186607 | PERFECT Pay History-NEW PARENTS. | E | $10,000 @ 22% | Aug 13, 2007 | Withdrawn |
| 186635 | PERFECT Pay History-NEW PARENTS. | E | $10,000 @ 22% | Aug 13, 2007 | Expired |
| 189495 | RELIST!! PERFECT Pay History-NEW PARENTS. | E | $9,500 @ 22% | Aug 19, 2007 | Expired |
| 192439 | RELIST!! PERFECT Pay History-NEW PARENTS. | E | $9,200 @ 22% | Aug 24, 2007 | Expired |
| 201882 | RELIST!! PERFECT Pay History-NEW PARENTS. | E | $8,200 @ 22% | Sep 14, 2007 | Expired |
| 210021 | RELIST!! PERFECT Pay History-NEW PARENTS. | E | $7,600 @ 22% | Oct 02, 2007 | Expired |
| 213441 | RELIST!! PERFECT Pay History-NEW PARENTS. | E | $5,500 @ 22% | Oct 09, 2007 | Expired |
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