Debt Consolidation
| Listing Information | |||
|---|---|---|---|
| Amount: | $5,000.00 | Status: | Loan created |
| Grade: | D | DTI: | 22% |
| Lender Rate: | 20% | Borrower: | bccromer |
| Finished | State: | GA | |
| Funded: | 100% | Group: | BORROWERS - Free instant Listings - LARGEST GROUP |
| Loan Information | |||||
|---|---|---|---|---|---|
| Loan Status: | Current | Origination Date: | 2007-12-26 | EricsCC ROI: | 16% |
| Status History | |
|---|---|
| Dec 24, 2007 | Current |
|
ABOUT ME I am a 26 year old college student who also works full time. I also just took on an additional part time job as well. I originally grew up in south Georgia so am a country boy at heart. I have lived in Atlanta for 4 years where I have worked for the same company the entire time, and probably plan to live here for the rest of my life. My family is very very close and although I am 3 hours from them they are my world. Mainly my niece who is 7 years old. Between working 2 jobs and going to school full time, I don't really have much free time. However when I do, I enjoy running and working out. WHY I HAVE BAD CREDIT While my credit score is lower than what is normally considered good, it has gone up from an HR which I had in January when obtaining my first Prosper loan. As you can tell by this, I have moved on and learned from the mistakes which I mentioned in my first loan, and have found a way to live within my means. This is made apparent by my credit score increase from an HR to a D since January. WHAT I WILL DO WITH THE LOAN I am wanting to pay off a loan I have where I put my truck title down as collateral. While the interest rate I get here will probably be close to the same, this will at least allow me to get my title off of it as I don't like having it on there. Also this will allow me the option to pay off early if I choose as there currently is a penalty for early payment if I decide to go that route. This will also allow me to get rid of the last bit of debt I have from when I was living stupid and going through a rough patch in my life. INCOME Income after taxes: $2,900 Rent: $750 Truck: Paid for. Insurance: $125 Utilities: $100 Revolving accounts (Dell, Bowflex): $250 Cable: $50 Cell phone: $100 Gas: $200 Groceries: $200 Current Prosper loan: $150 Loan against truck title: $300 This leaves an additional $675 per month which will more than cover this loan. FINAL NOTE TO LENDERS I have made several stupid mistakes and take the blame for them. I have learned my lesson the hard way as made apparent by my credit increase since January. As you can tell by my payment history on my first loan, I have never been late with a payment, and most months have paid extra. I hope that each lender takes that into account along with my rising credit score when reviewing my listing. Please let me know if you have any questions regarding any information I have provided, as I will be more than happy to answer them. |
| Borrower's Other Listings | |||||
|---|---|---|---|---|---|
| 74477 | Debt Consolidation | HR | $5,000 @ 24% | Dec 14, 2006 | Withdrawn |
| 74521 | Debt Consolidation | HR | $3,001 @ 22% | Dec 14, 2006 | Withdrawn |
| 75400 | Need some help!! | HR | $3,001 @ 29% | Dec 16, 2006 | Withdrawn |
| 75766 | Please help keep me from getting evicted and pay for school! | HR | $3,001 @ 29% | Dec 18, 2006 | Expired |
| 77973 | 3rd listing. Please help keep me from getting evicted. | HR | $3,001 @ 29% | Dec 26, 2006 | Expired |
| 80363 | Debt Consolidation | HR | $3,001 @ 24% | Jan 02, 2007 | Loan created |
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