High interest credit card debt
| Listing Information | |||
|---|---|---|---|
| Amount: | $20,000.00 | Status: | Loan created |
| Grade: | A | DTI: | 66% |
| Lender Rate: | 17% | Borrower: | bellagio |
| Finished | State: | IN | |
| Funded: | 100% | Group: | (No Group) |
| Loan Information | |||||
|---|---|---|---|---|---|
| Loan Status: | Current | Origination Date: | 2007-10-31 | EricsCC ROI: | 14% |
| Status History | |
|---|---|
| Nov 01, 2007 | Current |
|
Purpose of loan: The purpose of my loan is to have one payment and one payment only. I am tired of coming home from work and only having credit card bills in the mail. I have been married for 16 years and we have one teenage daughter. I have already cut up all my credit cards and have been living on a cash basis for 3 months. I have no intention of ever using a credit cards again. My debt to income ratio is so high because the mortage and home eq line are also in my name. I am blessed with a husband who pays all the bills except my car and credit cards. The home eq was created to avoid a jumbo loan rate and with the equity from our prior home we were able to do create 2 loans to saves thousands. This is our 3rd home. I have an A credit rating with no lates and with the revolving credit line (home eq) and my income that should satisfy that my husband does in fact pay all the household bills. I have worked at the same place for 18 years and my job is very stable. I am a fan of the food channel and make numerous cassoroles so the groceries are in the range of $300.00 a month for 3 of us. I will answer any questions you have to ask me as soon as I get home from work each day. I want nothing more in life than to have one bill to pay each month for debt and have the knowledge that in 3 years I am free from debt. I made this debt myself and I will pay it off. I learned of this site while combing the web while combing the web for financial assistance for college to educate myself and plan ahead, then I realized that if I get rid of this debt, I don't need assistance. My home town is near Notre Dame, Go Irish! Okay that was a stretch but my desire to have this loan is not. Should I be blessed and receive it, I will have an extra $800.00 left over each month, so this loan is very affordable. I know everyone says I am a guarantee, but I really am, for I will not allow anything to damage my credit or my husbands for that matter, and should we need assistance for her college, a bad loan would make us ineligable. I need this loan to put my life back on the straight and narrow and I hope you will take a chance on me. Financial situation: My credit file shows that I have A rating and I am very proud of that. I have in my 40 years never paid anything late and have no intentions of starting now. $800.00 left over each month is double the money I have left over now with the horrible interest rates I am in. Please help me. Monthly net income: $ $2300.00 Monthly expenses: $ Housing: $ Insurance: $ Car expenses: $ 350.00 Utilities: $ Phone, cable, internet: $ Food, entertainment: $ 300.00 Clothing, household expenses $ Credit cards and other loans: $ Other expenses: $ |
| Borrower's Other Listings | |||||
|---|---|---|---|---|---|
| 217528 | Taking responsibility | A | $22,000 @ 11% | Oct 17, 2007 | Withdrawn |
| 380130 | dental expense | A | $2,000 @ 10% | Aug 09, 2008 | Loan created |
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