Time For School!!! :)
| Listing Information | |||
|---|---|---|---|
| Amount: | $1,300.00 | Status: | Loan created |
| Grade: | HR | DTI: | 14% |
| Lender Rate: | 35% | Borrower: | DJMutey |
| Finished | State: | UT | |
| Funded: | 100% | Group: | BORROWERS - Free instant Listings - LARGEST GROUP |
| Loan Information | |||||
|---|---|---|---|---|---|
| Loan Status: | Current | Origination Date: | 2007-12-20 | EricsCC ROI: | 31% |
| Status History | |
|---|---|
| Dec 20, 2007 | Current |
| Feb 05, 2008 | Late |
| Feb 14, 2008 | Current |
| Oct 06, 2008 | Late |
| Oct 11, 2008 | Current |
|
ABOUT ME: I am 22. An upcoming DJ/Producer of electronic music. Working on starting a new future. I currently work at a retail store about a mile away from my house. I work over 40 hours a week and I get paid every 2 weeks. I also get overtime and work a side job remotely repairing networks. I?m going to starting school here in January! I'm going to learn how to be a producer! My dream is to work for Dreamworks making music for the films. EXPLANATION OF BAD CREDIT: (This was pulled from my last listing.) When I was 16 I bought an 82 Z28 Camaro and dumped a lot of money into the car to make it fast. In doing so I racked up a lot of money in speeding tickets. I had a really good job as an IT Specialist and I didn't think that I would ever lose the job or have a problem managing debt. Well I wrecked my car and 2 weeks after the wreck, lost that job. I had to stop paying my credit cards, court fees and my loan payments to survive. That would be where the delinquencies came in. I have sold my computer and all my DJ/Producing equipment to pay down most of the loans. At my last job I put most of my money to pay off my debts. So currently I have paid off all my reportable loans since 8/18/06. I have gotten a credit report and it shows that all the accounts that I had open are now paid satisfactory and closed. I have been working with all 3 credit bureaus to make sure that it?s stating correct information on having closed accounts. The collections have been removed and it has been settled. If you have any questions on that please ask me. I would really like another chance at rebuilding my credit to where it once was but this time be smart about it. Making payments on prosper will be top priority because rebuilding my credit and having good credit is important to me. Also showing how determind I am to not let you down or my team down. It?s a promise from me that I will make payments on time, every month, no matter what. WHAT I WILL DO WITH THE MONEY LOANED TO ME: I still don't have a computer to call my own. So I will use the $1300 For a laptop. HERE ARE MY MONTHLY FINANCIAL DETAILS: Net income after payroll deductions from all sources: $900 Rent: $100 Phone: $60 Food: $100 Cable/Internet: $49 Credit Card: $50 Car: $50 Prosper Loan: $79 ----------------------- Total Monthly Expenses: $488 I will have $412 left to make the payments on my Prosper loan. CLOSING REMARKS TO LENDERS: My dream has been computers. But growing a little bit in the past year has helped me find my love for music and that I want to be in it in some way. But the Time to accomplish this is now. Prosper has been there for me in the past with my other listing to consolidate my debt and I have been successful at paying the loan. There were 2 times I was late do to a bank change. I moved to Texas and back to Utah. Which I changed banks. Both times I notified the group leader that this was happening before the events occurred so that they were aware that the money is there and was in the process of a bank change. Also I'm not planning on moving again. I promise that my payments will be made on time, no excuses. If you have any questions please fell free and ask me. Thank you for looking at my listing. |
| Borrower's Other Listings | |||||
|---|---|---|---|---|---|
| 36402 | Need Laptop for College. Trying to rebuild Credit. | HR | $2,100 @ 29% | Sep 03, 2006 | Withdrawn |
| 37604 | DJ/Producer needing laptop for college and making music | HR | $2,100 @ 24% | Sep 07, 2006 | Withdrawn |
| 37606 | DJ/Producer neeeding laptop for making music and college | HR | $2,100 @ 24% | Sep 07, 2006 | Expired |
| 40820 | DJ/Producer Buying New Laptop for Work and School | HR | $2,100 @ 25% | Sep 20, 2006 | Expired |
| 48330 | Upcoming business needing laptop. Also for school. | HR | $3,000 @ 27% | Oct 16, 2006 | Expired |
| 54111 | Relist - Needing laptop for upcoming business. | HR | $1,200 @ 21% | Oct 28, 2006 | Expired |
| 57019 | Upcoming Business Needs Computer. Also For School. | HR | $3,000 @ 11% | Nov 04, 2006 | Expired |
| 64528 | Ready Steady GO! Rebuilding Credit. | HR | $2,000 @ 25% | Nov 20, 2006 | Expired |
| 67261 | Relist - Ready Steady GO! Rebuilding Credit. | HR | $2,000 @ 26% | Nov 27, 2006 | Withdrawn |
| 83211 | No longer Deliquent! :) | HR | $2,000 @ 19% | Jan 09, 2007 | Loan created |
| 228287 | Time For School!!! :) | HR | $3,500 @ 29% | Nov 08, 2007 | Expired |
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