Relist. I want to tell Beneficial to take a hike.
| Listing Information | |||
|---|---|---|---|
| Amount: | $6,500.00 | Status: | Loan created |
| Grade: | C | DTI: | 37% |
| Lender Rate: | 18% | Borrower: | cainandi |
| Finished | State: | CA | |
| Funded: | 100% | Group: | (No Group) |
| Loan Information | |||||
|---|---|---|---|---|---|
| Loan Status: | Current | Origination Date: | 2007-12-10 | EricsCC ROI: | 15% |
| Status History | |
|---|---|
| Dec 07, 2007 | Current |
|
I am a college graduate and I am coming up on my one year anniversary with my job in January. Now that I have settled in to my career I am looking for a little edge in getting rid of a particular high interest loan that I can?t stand to pay any longer. Explanation of Bad Credit: I have strived to be responsible with my credit since the very beginning, but circumstances nearly ten years ago crushed me financially and my credit rating suffered as a result. I have no delinquencies because I pay my bills on time every month and have not been late once in well over nine years. The reason for the amount of inquiries on my record is due to the fact that my job sends me on business trips quite often and we are expected to pay for our expenses and submit them for reimbursement. Just before one of these trips a while back, I applied for two or three credit cards for this purpose before finally getting approved. The other hits are from applying to consolidate this loan I want to get rid of at a lower interest rate and not getting approved. All I want is to be rid of this ridiculous loan. As you can see from my financial details, I will have no problem paying it back. Here is what I will do with the money if you give me the chance: I will use the entire amount to pay off Beneficial. I am currently paying 29% on the loan. This is a relist at a lower amount for just the loan with a higher interest rate. I realize 25% is not much difference, but I hate beneficial and would rather pay you people the interest instead of a bank that takes advantage of others. Here are my Monthly Financial Details: Net income after payroll deductions from all sources: $ 2400-$2800, (depending on how much overtime I work). Mortgage/Rent: $ 715 Electricity & Water: $ 30 Car Loan and Operating Expenses: $ 288 + $40 per month gas. (truck will be paid in full in 1.5 yrs) Food: $ 100 Insurance: $ 80 Cable/Internet: $ 110. This bill goes down to $65 after the 5 payments for NFL TICKET are paid. Credit cards and loans that won't be paid off with my Prosper loan: $ 501. ($361 of which will be paid off in a year). Other: $ 118 for a student loan Total Monthly Expenses: $ 1982 I will have at least $418.00 left to make the payments on my Prosper loan. (2400-1982= 418) I hope I outlined my plans clearly enough. Please help me be rid of Beneficial. If you have any questions, please feel free to ask. Thank you. |
| Borrower's Other Listings | |||||
|---|---|---|---|---|---|
| 233891 | Consolidate high interest loan/credit cards | C | $14,000 @ 22% | Nov 18, 2007 | Withdrawn |
| 234753 | Consolidate high interest loan/credit cards | C | $10,000 @ 22% | Nov 20, 2007 | Withdrawn |
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