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Thank You for reading and funding this loan!! I need this loan to pay for a review course and for the fees to sit for the CPA exam -- which has been a long-term goal.
I went through a divorce, and will not place blame -- but, I am paying for bad decisions now with my credit score (Please read below for more information on my credit score -- it should not be HR). I returned to college after two of my children graduated from High School and my daughter challenged me to a race to graduate from college. I decided to attend a private, well-known Christian college in Missouri in which I started in the Fall of 2001. I won the challenge my daughter initiated, and earned a 4.0 GPA. I graduated in December 2005 with a B.S. degree -- earning a Major in Accounting and Minor in Communication. I was also awarded "Outstanding Accounting Graduate" and graduated with honors. I am living modestly and have been renting the same house for 4 years for $425.00 per month. My car is a 1996 -- it is very reliable and is paid in full. I do have student loans and 4 credit cards -- which I have never been behind on paying. My debt/income ratio is very low!
I have a very good job now, and I am working as a Staff Auditor for the State. I have continued to study and prepare for the CPA exam -- which I plan to take soon. The reason I am asking for this loan is so that I can pay for the Becker or Gleim review course and pay the State fee required to sit for the CPA exam. The fee for the course is over $2,000 and the State fee to sit for the exam is close to $750.00 and it will be increasing by about $200 in August -- that is why I would like to pay for it in July.
For each portion of the exam that I pass (there are 4 sections), I will receive a $600 pay increase -- so passing all 4 sections and becoming a CPA will increase my earnings by $2400 immediately.
I need this loan because my ongoing living expenses, student loan expenses, and the expenses of raising my youngest child do not allow me to come up with this large of a payment in one lump sum.
Since graduating and returning to work, I have been working on improving my credit score ( which I raised 3 points in one month). I don't know why I am classified as HR on Prosper because my credit score at Experian (which Prosper says it uses) is the lowest of the three reporting agencies @ 595, and my credit score taken from my TransUnion report as of 6/1/06 read...Your FICO credit score is 607. Space would not allow me to insert a copy.
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