p2p lending at lending club
Opportunity Knocks
Homeownership Verified

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Listing Information
Amount: $2,222.00 Status: Loan created
Grade: HR DTI: 6%
Lender Rate: 28% Borrower: Holiday_Dreamin
Time Left: Finished State: ID
Funded: 100% Group: BuildingTree
Loan Information
Loan Status: Default Origination Date: 2008-01-23 EricsCC ROI: -46%
Status History
Jan 20, 2008 Current
Sep 07, 2008 Late
Sep 24, 2008 1 month late
Oct 24, 2008 2 months late
Nov 24, 2008 3 months late
Dec 24, 2008 4+ months late
Dec 29, 2008 Default
Opportunity Knocks

Home Owner with three children, determined to climb the ladder o success. I am a hard worker. I am committed to make a good name with Prosper. Given a chance to prove myself I will not let you down. This loan would mean the world to me and my children.

I have two choices, sink or swim.
I CHOOSE swim.

You have two choices, fund me or don't.

There are reasons for you to fund me.
#1. I am a Home Owner, which shows I do have enough stability to invest in.
#2. Guaranteed Prosper Loan payment with automatic payment withdrawl from an established checking account.
#3. This loans higher percentage rate means a higher return for your investment.
#4. By investing in someone with a lot to lose means you won't get burned.
#5. According to my payment history all payday loans are current.
#6. I have a lot less DTI ratio, showing I can (and will) pay back my Prosper Loan.
#7. Helping others in return, always helps yourself.

Where there is a will, there is a way. Journey if you will where both of us can prosper from this venture. Please become a part in the making of a true success. For as little as $50.00, you can help us pave our road to success. And in return, I will see to it that you are not dissappointed.

Thank you for your time and consideration.

My financial situation:

Before Loan............................................................................. After Loan
Payday loan..........Balance...........Payment monthly..........Status
CnG.........................$1010.00........$350.00...........................Paid in Full
TCS.........................$1110.00........$370.00...........................Paid in Full
TOTAL..........Neg- $2120.00....Neg- $720.00..............Pos- $720.00/ mnth

By gaining, a positive cash flow of $720.00 a month, I will have plenty of money after paying my Prosper loan payment to pay off my other debts.


Monthly net income: $ 1,600.00
Monthly expenses: $ 910.00
Housing: $ 260
Insurance: $ 50
Car expenses: $ 125
Utilities: $ 125
Phone, cable, internet: $ 100
Food, entertainment: $ 300
Clothing, household expenses $ 0
Credit cards and other loans: $ 0
Other expenses: $ 0
Borrower's Other Listings
223373 Single Mother wanting to eliminate debts HR $7,000 @ 20% Oct 30, 2007 Withdrawn
225120 Mother in need of an Angel HR $5,000 @ 29% Nov 02, 2007 Withdrawn
228505 !SOS! Submarined by HIGH Interest Loans...!SOS! HR $5,000 @ 35% Nov 08, 2007 Withdrawn
229633 A CRY FOR HELP! HR $5,000 @ 35% Nov 10, 2007 Withdrawn
230213 Debt Consolidation HR $3,300 @ 25% Nov 11, 2007 Expired
233528 CREDIT MAKEOVER/ BUSINESS VENTURE HR $7,000 @ 30% Nov 18, 2007 Expired
241862 Opportunity Knocks HR $7,777 @ 35% Dec 01, 2007 Expired
249258 Opportunity Knocks HR $5,555 @ 35% Dec 11, 2007 Expired
251837 DESTINED TO SUCCEED HR $7,777 @ 35% Dec 16, 2007 Expired
256018 DETERMINED TO SUCCEED HR $4,444 @ 35% Dec 26, 2007 Withdrawn
260061 New Year- New Beginnings HR $3,000 @ 35% Jan 04, 2008 Expired

 

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