A Lenders Loan - Bid w/ confidence! Consolidation & Tuition.
| Listing Information | |||
|---|---|---|---|
| Amount: | $16,750.00 | Status: | Loan created |
| Grade: | C | DTI: | 46% |
| Lender Rate: | 20% | Borrower: | AtlGaFamily |
| Finished | State: | GA | |
| Funded: | 100% | Group: | Thousand Dollar Group |
| Loan Information | |||||
|---|---|---|---|---|---|
| Loan Status: | Current | Origination Date: | 2008-01-09 | EricsCC ROI: | 17% |
| Status History | |
|---|---|
| Jan 09, 2008 | Current |
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I have listed for loans on Prosper before, but it didn?t work out. Perhaps I did not explain my situation clearly enough. I hope to have remedied that situation with this application. As you can see I have no delinquencies, missed payments, or late payments. With my spotless record and determination to keep my obligations & pay my loans on time, I am a great choice for prospective lenders. Risk to investors here is low, while your reward is sufficiently worthwhile. I have worked specialized construction for the past 16+ yrs. I work all over the country at Power Plants and Refineries performing Shut-down & Turnaround work. I work an average of 72 hrs. per week, so I do work a lot of overtime. As far as work & the ability to pay back this loan, I will always have plenty of work in my field, (Heat Treating), as code requirements mandate that all chrome piping used in refineries & power plants be heat treated, and most all piping in plants is now chrome. This piping must be changed out every few years, so between existing plants, plant additions, and new plants, our workload remains very strong. My wife is a full time Nursing Student in the Georgia University System working on her Bacholers Degree as an RN. She has just over a year left until graduation. Purpose of loan:This loan will be used to consolodate all of our high interest loans & credit cards into a more manageable monthly payment, and to pay for my Wifes College Tuition. We are attempting to consolidate all of our loans and credit cards leaving only this payment, our mortgage pymt., our two vehicles and normal utilities. My credit history clearly shows a very established, "Clean" history & capacity to manage my financial obligations. Although I show a high DTI & a "C" rating, you must understand, the House, Both vehicles, and our loans are in my name as my wife is a Full Time Nursing Student with no income. Eight years ago I spent more time at the hospital than I was able to travel for work due to two immediate family members medical battles, cancer and a stroke, and also my best friends lost battle with cancer. It was a very hard year for us, and I ultimately filed for bankruptcy resulting in the one public record. My current monthly budget is as follows: ($1050) Credit lines - loans & credit cards (Monthly payments)<------ Will all be paid off, eliminating this monthly payment, freeing up more than enough to pay my Prosper Loan. ($747) Taylor, Bean & Whitiker (Mortgage) ($550) Toyota (Wifes car pymt.) ($500) HSBC (My truck pymt.) ($250) Car Insurance ($250) Utilities ($175) Phone, Cable, Internet ($250) Food, entertainment ($178) Other Expenses Total expenses: ($3900.00) My Personal Monthly Net Income: $4800.00 / month minimum to $7700.00 month depending upon overtime. Surplus = $ 900.00 per month minimum I'm asking for a chance to prove myself and to get my credit scores up to where they should be. If you bid on my listing, I promise that I will not let you or my team down. Making my payments on time will be my top priority each month. I promise that I will not default on my Prosper Loan. |
| Borrower's Other Listings | |||||
|---|---|---|---|---|---|
| 238975 | Debt Consolidation and Wifes Nursing School Tuition | C | $20,000 @ 24% | Nov 28, 2007 | Withdrawn |
| 242438 | Debt Consolidation and Wifes Nursing School Tuition | C | $20,000 @ 27% | Dec 02, 2007 | Expired |
| 249865 | Re-List / Debt Consolidation and Wifes Tuition | C | $19,500 @ 27% | Dec 12, 2007 | Withdrawn |
| 250260 | Re-List / Debt Consolidation and Wifes Tuition | C | $17,500 @ 30% | Dec 13, 2007 | Withdrawn |
| 251417 | Re-List / Debt Consolidation and Wifes Tuition | C | $16,750 @ 24% | Dec 15, 2007 | Withdrawn |
| 252067 | Re-List / Debt Consolidation and Wifes Tuition | C | $16,750 @ 18% | Dec 17, 2007 | Withdrawn |
| 252548 | Lucky Loan for Lenders - Bid with confidence! | C | $16,750 @ 18% | Dec 18, 2007 | Withdrawn |
| 252550 | Lucky Loan for Lenders - Bid with confidence! | C | $16,750 @ 18% | Dec 18, 2007 | Withdrawn |
| 252591 | Lucky Loan for Lenders - Bid with confidence! | C | $12,750 @ 24% | Dec 18, 2007 | Withdrawn |
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Discussion For This Listing
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