Pay off credit cards at 29% and improve my credit rating
| Listing Information | |||
|---|---|---|---|
| Amount: | $2,500.00 | Status: | Loan created |
| Grade: | D | DTI: | 9% |
| Lender Rate: | 16% | Borrower: | deuteronomy25 |
| Finished | State: | CA | |
| Funded: | 100% | Group: | (No Group) |
| Loan Information | |||||
|---|---|---|---|---|---|
| Loan Status: | Current | Origination Date: | 2007-11-26 | EricsCC ROI: | 13% |
| Status History | |
|---|---|
| Nov 23, 2007 | Current |
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Purpose of loan: My boss introduced me to Prosper, and I'm nervous - and excited! - about posting this loan request. I graduated from college three years ago, I'm planning for my future, and I understand how important a great credit rating is. I want to fix it before I try to buy a condo and someone laughs in my face. I will pay off my revolving debt - I have about $1900 on a couple credit cards at, you guessed it, 29% - and I will no longer carry revolving debt for more than 30 days. (At least until my rating bumps up a couple notches.) My financial situation: I work full-time. My boss says good things about me. (He's told me that he's going to fund some of this loan - I hope he's not kidding.) I have clients who love me, I'm not going to be unemployed anytime soon, I'm serious and responsible and am busy making plans for the rest of my life - and I will NOT mess up this loan. I WILL PAY YOU BACK, PEOPLE. I promise. Thank you for considering this loan. Monthly net income: with bonuses and profitsharing, about $4500 Monthly expenses: after I consolidate the credit cards into a Prosper loan, about $3400 (though I'm going to have to buy presents for people over the next couple months - it's the holidays, you know...) PS - I have NO IDEA what the $52 in delinquencies are - and I will find out from Experian and fix it. I'm ticked off that someone seems to think I'm a deadbeat for such a small amount of money - the nerve! |
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