REPOST - Consolidating Credit Cards
| Listing Information | |||
|---|---|---|---|
| Amount: | $11,000.00 | Status: | Loan created |
| Grade: | C | DTI: | 22% |
| Lender Rate: | 23% | Borrower: | Razorback2007 |
| Finished | State: | CA | |
| Funded: | 100% | Group: | (No Group) |
| Loan Information | |||||
|---|---|---|---|---|---|
| Loan Status: | Current | Origination Date: | 2007-10-22 | EricsCC ROI: | 19% |
| Status History | |
|---|---|
| Oct 20, 2007 | Current |
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I am relisting this loan again as I still didn't receive nearly enough bids in my previous post. But now my credit rating has improved from a D to a C rating (lowering my interest rate) even though the 1 delinquency is still showing on my credit. Also my debt to income ratio was listed as 16% when I had my history pulled again by Prosper but it is being shown as 21% on my listing. I have reduced my amount needed as I have obtained a small loan from my new credit union and I used my sign-on bonus to pay a chunk off. Hopefully this loan will get funded and thanks to all of you who bidded before! Purpose of loan: I will use this loan to consolidate my current credit and charge card payments as I would like to have one payment rather than several. My financial situation: I am a good candidate for this loan due to the fact that I do not have any deliquent balances on my credit history. The $191 deliquent balance is from a former employer, which I am still disputing (Credit rating should be a B or better as my Experian score is 701). I am current on all of my payment accounts and the only reason my credit rating is not higher is due to the amount of debt I am carrying. I have worked as an accountant for the past four years and I have recently obtained an senior analyst position with a public utility company which will ensure that all payments will be made in a timely manner. Monthly net income: $ 5,300 Monthly expenses (has not changed): $ 4,595 Housing: $ 1,300 Insurance: $ 200 Car expenses: $ 665 Utilities: $ 80 Phone, cable, internet: $ 100 Food, entertainment: $ 400 Clothing, household expenses $ 100 Credit cards and other loans: $ 1,500 - This will become payment towards borrowings. Other expenses: $ 250 |
| Borrower's Other Listings | |||||
|---|---|---|---|---|---|
| 193355 | Consolidating Credit Cards | D | $20,000 @ 22% | Aug 27, 2007 | Withdrawn |
| 194012 | Consolidating Credit Cards | D | $21,000 @ 28% | Aug 28, 2007 | Withdrawn |
| 195075 | Consolidating Credit Cards | D | $21,000 @ 29% | Aug 30, 2007 | Withdrawn |
| 195139 | Consolidating Credit Cards | D | $21,000 @ 29% | Aug 30, 2007 | Withdrawn |
| 197946 | REPOST - Consolidating Credit Cards | D | $21,000 @ 29% | Sep 05, 2007 | Expired |
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