p2p lending at lending club
Windows of Opportunity
Homeownership Verified

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Listing Information
Amount: $9,400.00 Status: Loan created
Grade: C DTI: 1,001%
Lender Rate: 35% Borrower: charismatic1947
Time Left: Finished State: CA
Funded: 100% Group: Harvard University Alumni & Students
Loan Information
Loan Status: Default Origination Date: 2007-12-12 EricsCC ROI: -47%
Status History
Dec 13, 2007 Current
Apr 27, 2008 Late
May 09, 2008 Current
May 29, 2008 Late
Jun 10, 2008 Current
Jun 28, 2008 Late
Jul 13, 2008 1 month late
Aug 13, 2008 2 months late
Sep 13, 2008 3 months late
Oct 13, 2008 4+ months late
Dec 29, 2008 Default


I was fully funded when the listing was canceled due to a technicality.  I re-listed with a $1 income and concomitantly skewed DTI, and nearly got fully funded again.  Thank you for your bids and trust in me. I have tried to give you a sense of urgency in my listings because of the nature of my business opportunity. There is a deadline involved.  But more importantly, I want to convey my belief that when one window of opportunity closes another will open. 

The proceeds of this loan will allow me to close a substantial investment for a company I have grown, taking it from a seedling to a very viable business, attractive-enough for investors to capitalize fully in such a tight economy.  It?s been a goal I?ve worked on for nearly fours years and my rewards will come accordingly.

But in return, I want my bidders to benefit as well with a fixed interest rate. I respect but am I have reworked my budget for a slightly less amount than originally listed and with my verified household income I can guarantee I will continue a perfect Prosper record. 

However it is my intent to pay off all of Prosper and my other debt completely after my company?s funding.  I also make the commitment to help those who have helped me. One never forgets moments like this, neither will I.

Our Monthly Household Income          $12,000

Expenses: $3500 (Mortgage), $2000 (Credit Card plans), $500 (Other), $190 (Prosper).

Thank you once again. I stand ready to board the plane to put this opportunity in the basket!

P.S. I found my pix courtesy of FreeDigitalPhoto.net

                       

Borrower's Other Listings
103060 Need bridge loan - awaiting re-finance on home D $5,000 @ 21% Feb 24, 2007 Loan created
227143 Bridge loan C $20,000 @ 22% Nov 06, 2007 Withdrawn
231293 Angels Welcome! C $13,500 @ 19% Nov 13, 2007 Withdrawn
232121 Perfect Prosper Record/CanBeDebt-Free! C $13,500 @ 22% Nov 14, 2007 Withdrawn
232396 Urgent! Need to board a plane! C $7,000 @ 35% Nov 15, 2007 Cancelled
235689 Re-list;/Urgent! Need to board a plane! C $10,000 @ 35% Nov 21, 2007 Expired
239654 HELP, Pease! C $10,000 @ 35% Nov 28, 2007 Expired

 

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