Seeking to pay off citifinancial
| Listing Information | |||
|---|---|---|---|
| Amount: | $3,500.00 | Status: | Expired |
| Grade: | E | DTI: | 39% |
| Lender Rate: | 35% | Borrower: | jcr1531 |
| Finished | State: | AL | |
| Funded: | 0% | Group: | Brighter Financial Future |
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Purpose of loan: To pay off high interest loans from citifinancial My Current financial situation: I currently teach in Georgia. I have a Bachelors and a Masters in Education. I am currently working towards a Doctorial degree. I have and continue to serve in the Army and Army Reserves. I have been deployed several times since 911. Most of my debt comes from all the money I have had to put into my home. It was not well maintained while I was away. I had major damage done by my renters. They disappeared before I returned home. I was stuck putting it back together so I could have a home to live in. Also, I left my bills in the hands of someone I thought I could trust to make my payments on time. They did not and my credit score suffered. If I am ever deployed again, I will set up all my bills on a monthly bank draft. Finally, I recently refinaced 2 cars and now in the process of refinancing my home. That's why you see 10 recent inquires on my credit profile. I plan on paying prosper off before the 3 years is up. I know you may see me as a high risk. The late payments that show up on my credit are due to a bank error. I use web banking and my bank sent out the checks with the wrong account numbers which kicked my payments back and caused them to be late. This will be corrected once the creditors receive a letter from my bank. I have a couple of loans with citifinancial that I would like to pay off. I will use the loan from prosper to pay the loans off faster than I can currently do at the curent rates. At the current rate it will take me five years to pay off this loan. The loan you give me today will get me accomplish this goal improve my financial situation. The prosper loan will also be 117 dollars cheaper each month. Thanks for your time and your bid. My income from teaching is about 3800 per month. I also make about 300 dollars per month while serving in the Army Reserves. Finally, I have a tutoring business. Business has slowed down so I am currently tutoring for Sylvan Learning Center. I bring home about 200 dollars every two weeks. Monthly Income: 4,500 Monthly expenses: $ 2970 Housing: $1000 Insurance: $ 140 Car expenses: $ 550 Utilities: $ 180 Phone, cable, internet: $ 100 Food, entertainment: $ 300 Clothing, household expenses $ 200 Credit cards : $ 225 Citifinancial $275 (The Prosper Loan will replace this monthly payment). |
| Borrower's Other Listings | |||||
|---|---|---|---|---|---|
| 228469 | Soldier/ Teacher needs Debt Consolidation | D | $18,000 @ 16% | Nov 08, 2007 | Withdrawn |
| 228905 | Soldier/ Teacher needs Debt Consolidation | D | $12,000 @ 20% | Nov 09, 2007 | Withdrawn |
| 237623 | Soldier/ Teacher needs Debt Consolidation | D | $10,000 @ 25% | Nov 26, 2007 | Expired |
| 243813 | Soldier/ Teacher needs Debt Consolidation | D | $6,000 @ 32% | Dec 04, 2007 | Withdrawn |
| 252197 | "Seeking to Pay Off High Interest Credit Cards" | E | $2,500 @ 28% | Dec 17, 2007 | Loan created |
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