Credit Card Debt Consolidation
| Listing Information | |||
|---|---|---|---|
| Amount: | $4,000.00 | Status: | Loan created |
| Grade: | C | DTI: | 39% |
| Lender Rate: | 24% | Borrower: | Mommie_of_5 |
| Finished | State: | CA | |
| Funded: | 100% | Group: | (No Group) |
| Loan Information | |||||
|---|---|---|---|---|---|
| Loan Status: | 4+ months late | Origination Date: | 2008-01-02 | EricsCC ROI: | -34% |
| Status History | |
|---|---|
| Dec 29, 2007 | Current |
| Mar 18, 2008 | Late |
| Apr 03, 2008 | 1 month late |
| May 03, 2008 | 2 months late |
| Jun 05, 2008 | 3 months late |
| Jul 09, 2008 | 4+ months late |
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Purpose of loan: Looking to pay off Credit Cards, especially the ones with the promotional rates... My financial situation: We are a family of 7. Both my husband and I have been with our employers for almost 10yrs. As mentioned in the purpose of the loan, I am looking to pay off my credit cards. This will help raise my credit rating. We both make over $140K a year (joint and willing to verify). Due to real estate decline in the Bay Area, rate increases and our credit scores, Refinancing is not an option at this time. Paying off and lower my credit cards will help increase my credit score for better refinancing options. Monthly net income: $3200 & $5100 (spouse) Monthly expenses: $ Housing: $ 2200 - $3300 (pick a payment options) Insurance: $ included in escrow Car expenses: $ 1400 (1-paid off in 1 yr., the others in 3 yrs.) Utilities: $ 350 Phone, cable, internet: $ 300 (High cell phone bills past couple months) Food, entertainment: $ 1000 Clothing, household expenses $ 400 Credit cards and other loans: $ 600-$1000 (depending on minimum payment) Other expenses: $ $200 -$1000 (Depends on childrens school and sports activities) |
| Borrower's Other Listings | |||||
|---|---|---|---|---|---|
| 240530 | Credit Card Debt Consolidation | C | $15,000 @ 20% | Nov 29, 2007 | Expired |
| 248349 | Credit Card Debt Consolidation | C | $7,000 @ 23% | Dec 10, 2007 | Expired |
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