p2p lending at lending club
Asking one more time for help on closing a CC account!!

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Listing Information
Amount: $1,700.00 Status: Loan created
Grade: D DTI: 18%
Lender Rate: 14% Borrower: Nsundstrom
Time Left: Finished State: FL
Funded: 100% Group: 435 Supporting Lenders - Get FUNDED @ LOWER % than ANY group
Loan Information
Loan Status: Current Origination Date: 2006-07-20 EricsCC ROI: 8%
Status History
Jul 19, 2006 Current
<span id="ctrlDescription_ctrlDescription_l">This is a repost I did not get funded the first time however I did manage to get some of the previous asked $2300 taken care of and am now down to $1600 needed to get this card off my worst fears list.
About Me:
    I am a 22 year old who was doing great until 2005...when a bad choice to buy furniture came up and the company I worked for closed shop. That put me out of work for 6 months. In that time I helped take care of my grandfather who is a hospice patient, did some modeling to pay the bills, and ended up with a dental emergency and a kidney infection. But it gets better....In 2006 I met my future husband.

Then it got worse...we were driving ourselves crazy to pay this furniture bill which used to be 4K, and is now to $2250, but the problem it's due in August and if not paid I will be slammed with finance and interest almost double the cost of the furniture. (The store themselves were no angels to deal with when the stuff they delivered was falling apart) The part that stopped this from happening is that we had to go to a wedding for his brother in Nevada. The day before the wedding he fell down Ruby Ridge Mountain in the Canyon. He is an independant contractor for construction (His boss is also our landlord from whom which we plan on buying our home next year from)...he has been out of work and will be for another two weeks. The downfall was no insurance and his hospital bill just came in at $1200

Credit History:
       I have a short credit history but can explain it all. My credit score showed 698 when I pulled it a few nights before joining this site. A friend who went to Ebay live referred me here.

  • Bealls Department Store. 2004--cosign with mother to start credit history
  • Care Credit 2004--cosign with mother for dental emergency the week before Christmas. This card is a blessing because it is no finance or interest for 18 months with a 1K purchase.
  • Kane's Furniture 2005---this was the worst mistake ever, the card has been closed so the ex can not use it to further put me in debt.
  • Visa with my bank 2005- Got approved the week before I lost my job, it really helped me get through the 6 months.

How you will be repaid:
       1st off I hate debt and I am anal retentive about money and health...
     
I plan on attempting to pay the full loan off in 1-1.5yrs instead of the listed 3. I am a full time assistant manager at a well known store, and next year will be taking over either my store or a new store as the manager.

I have NEVER paid a bill late nor missed a payment. I could ask my grandmother for the funding but because she is out of work for a month to be the sole care giver of my grandfather I do not want to ask that big of a favor. She said if this site does not work for me she will lend it but that will of course make me and the fiance feel like we can not care for ourselves.

My bank account is approved and I will be paying more than the minimum payment each month!

I dearly thank you for taking time to read and if you have ANY questions (there is more to the story in each area) please feel free to email me at [EMAIL DELETED]

Borrower's Other Listings
22113 Trying to save credit to buy house D $2,300 @ 15% Jun 28, 2006 Withdrawn
22518 Fallen on hard times, Need to get rid of a bad CC!! D $2,300 @ 14% Jul 01, 2006 Expired
246018 Crunching the debt to help myself and family E $10,000 @ 16% Dec 06, 2007 Expired

 

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