Eric's Credit Community - Prosper.com Data & Statistics

Relist: Please Help Me Break Out Of The Payday Loan Cycle

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Listing Information
Amount:	$2,500.00	Status:	Withdrawn
Grade:	HR	DTI:	30%
Lender Rate:	28%	Borrower:	WasntTheBrightestCrayonInTheBox
Time Left:	Finished	State:	TX
Funded:	0%	Group:	Sonic Lenders

I am relisting, because Prosper rejected my income verification. It was not made clear that I could only provide my income for verification purposes. I have a live in bf who pays several bills, and in Texas we have a common law marriage, so I assumed his income could be included in our household total. Since it cannot I am forced to re-list. I appreciate your support on this re-list!!!

Purpose:
I am listing again w/ more detail & a lower loan amount. I am requesting $2500. I have 3 loans = $2,102 & 2 outstanding debts = $426. I pay $300/month just to roll-over & pay the interest on the loans.

Loan and debt detail:
EZ Loan - $690
Cash America - $625
Check-N-Go - $786
Target - $75
SBC - $351

Credit Grade:
I am HR because my credit report shows 38 delinquencies. Please see my profile for a more explanation & my action plan.

Current Budget:
Expenses:
Rent: $429
Car: $260
Gas/Ins: $250
Payday Loans: $300
Misc: $75
Total : $1314

Groceries, electric, phone and other bills are paid for by my son?s farther

Income: $1329/month ? SSI direct dep
Total: $1329

Remaining: $15/month

$2500 at my state?s max rate = payments of $102.73/mnth

New Budget: (w/out payday loans)
Expenses:
Rent: $429
Car: $260
Gas/Ins: $250
Prosper Loan: $105
Hospital Bill: $100
Misc - $75
Total: $1219

Income: $1329/month ? SSI direct deposit ? due to my husbands death
Total: $1329

Remaining: $110/month

Borrower's Other Listings
19216	Trying to pay off old debt so I can start over my new life	HR	$2,800 @ 29%	Jun 12, 2006	Expired
20530	Stressed2theMax	HR	$2,800 @ 29%	Jun 19, 2006	Expired
21219	Lookin for a breath of air before We drown	HR	$2,800 @ 29%	Jun 22, 2006	Withdrawn
21711	PaydayloansHater	HR	$2,800 @ 28%	Jun 26, 2006	Withdrawn
21784	Trying to get out of the payday loan cycle	HR	$2,800 @ 28%	Jun 27, 2006	Withdrawn
22355	WasntTheBrightestCrayonIntheBox	HR	$2,500 @ 28%	Jun 30, 2006	Withdrawn
22363	Re-List: : Please Help Me Break-Out of The Payday Loan Cycle	HR	$2,500 @ 28%	Jun 30, 2006	Cancelled
24148	Re-List: Help Me End The Payday Loan Cylce	HR	$2,500 @ 28%	Jul 11, 2006	Loan created

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