Fashion Designer Pays Veterinary Bill & CC LOW DTI & NO DQs!
| Listing Information | |||
|---|---|---|---|
| Amount: | $10,000.00 | Status: | Loan created |
| Grade: | D | DTI: | 27% |
| Lender Rate: | 18% | Borrower: | BRacer18 |
| Finished | State: | CA | |
| Funded: | 100% | Group: | Future Innovations |
| Loan Information | |||||
|---|---|---|---|---|---|
| Loan Status: | 3 months late | Origination Date: | 2007-11-02 | EricsCC ROI: | -54% |
| Status History | |
|---|---|
| Nov 02, 2007 | Current |
| Aug 19, 2008 | Late |
| Sep 04, 2008 | 1 month late |
| Oct 03, 2008 | 2 months late |
| Nov 03, 2008 | 3 months late |
|
Hello? I so appreciate you stopping to review my loan request! I am a clothing designer for a large mid-tier retailer in Northern California and have been with the company for nearly 3 years. After graduating from the Fashion Institute of Design and Merchandising in San Francisco with a degree in Product Development and Design I joined a small start up company designing high end baby clothing. After two years I decided to accept an offer from my current company. Since joining my current company I have had 2 promotions in two years which is unheard of in my industry, but I am very driven and dedicated to my job. In addition to my work, I enjoy volunteering in my community. My pig Tilly is my other baby besides my two horses. I am the swine leader for my local 4-H group, I also co-chair a charity horse show that benefits a riding academy for handicapped children and I am on the Corporate Volunteer Council at my job where we assist in fundraising programs with such organizations as the Boys & Girls Club. A year ago my favorite horse became very ill and after many vet visits which I used my savings and credit cards to pay, I was finally sent to UC Davis for further testing. He is now healthy and recovered from his illness but unfortunately the vet bills became a bit overwhelming and my credit is now suffering. With this loan I will be able to pay all my horse?s remaining vet bills (and be able to afford insurance for him!) as well as pay off my credit cards. Once these debts are paid off the only bills that I will have will be my truck payment, horse board, health insurance for my horse and my Prosper payment. Credit Cards/Bills to Pay Off: Capital One: $625 @ 19.8% Chase: $5,445 @ 29.9% Nordstrom?s: $1,094 @ 22.8% Veterinary Bills: $2,500 Monthly Net Income: I earn $3,558/mo. net from my job. Monthly Expenses BEFORE PROSPER Loan: $2,549 Housing: $0 (Living with relatives until I get back on track) Insurance: $95 Car expenses: $769 Utilities: $0 Phone, cable, internet: $0 Cell Phone: $60 Vet Bill Payments: $350 (eliminated with Prosper Loan) Clothing, household expenses, gas $300 Credit cards and other loans: $675 (eliminated with Prosper loan) Horse Board & Insurance: $300 Monthly Expenses AFTER PROSPER Loan: $1,524 As you can see, I will have over $2,034 left with which to pay my Prosper loan. My finances are excellent and consolidating my current expenses while improving my credit is EXTREMELY important to me. Prosper lenders can be reassured that I always pay all my obligations on time! This loan will be one of my top priorities each month so I am having the payments automatically withdrawn. I give my word that there will never be a late payment on this loan and that I will never fall into a hole like this again. Thank you again for helping me make my credit improvement a reality! |
| Borrower's Other Listings | |||||
|---|---|---|---|---|---|
| 213272 | Pay off veterinary bills & credit cards to get back on track | D | $10,000 @ 24% | Oct 09, 2007 | Withdrawn |
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