2nd loan -- Needing a little help please
| Listing Information | |||
|---|---|---|---|
| Amount: | $4,000.00 | Status: | Loan created |
| Grade: | D | DTI: | 15% |
| Lender Rate: | 18% | Borrower: | Becca5447 |
| Finished | State: | OR | |
| Funded: | 100% | Group: | Tzedakah |
| Loan Information | |||||
|---|---|---|---|---|---|
| Loan Status: | Current | Origination Date: | 2008-01-29 | EricsCC ROI: | 15% |
| Status History | |
|---|---|
| Jan 30, 2008 | Current |
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RELIST My first loan is doing well so let's do this again. Hello, I am a 30 year old mother returning to the workforce and coming out of a bad marriage. I have been working since I was 14, I am college educated and Christian. Although I have a low credit score my credit as been drastically improved within the last year and I have payed off 4 small credit cards. Now I am looking to pay off 3 larger credit cards with 33% APR and help rebuild my credit. My dream is to own a small home where my daughter and I can call home. Please help me make these 3 payments into one!!! If you have further questions please contact me. If you are wondering about the late payments showing it is because I was laid off, got one month behind, the collection company called and I immediately set up payments paying every 2 weeks. The collection company DID NOT immediately pay Prosper until the end when I was all done, so it shows all AS LATES but it was like a "30 day rolling" instead. Thank you for your time and hopefully your money. Sincerely, Bec of Oregon I have included some previous questions from my listing that rang out of time. Q: Why have you been late with your first Prosper loan? -IBC06 A: If you are wondering about the late payments showing it is because I was laid off, got one month behind the collection company called and I immediately set up payments paying every 2 weeks but the collec. co. did not pay Prosper until the end when I was all done. So it shows all the lates but it was like a 30 day rolling instead. After months of payments "manual" payments the company paid prosper everything I had paid them.(Jan-07-2008) Q: I'm not sure what the Prosper rules are but are you going to pay off the other loan with this one or carry two loans? You mentioned you got laid off of your prior job which is why you had a late payment. Do you have stable job security now? -jefmon A: I am not planning on paying off my previous loan. At this time I only have 1 year before it should be paid off anyways. When I was laid off I acquired another position within the week but they made me wait 3 weeks before I received my first paycheck and I had been making extra payments to other credit cards so I did not enough reserves. Even if I was laid off again I have already sold my car and do not have a car payment, do not currently pay rent so expenses are $550 monthly. (Jan-08-2008) Q: What kind of work do you do? And is your current job stable? I noticed you said "if I got laid off again". -hecdavid A: I work for a escrow and title company which of course now days are a little unstable but with my extensive background from wonderful companies I have never had a problem finding a new job. Plus my expenses are as follows: Take Home Monthly Income $2039, I receive child support $380, my expenses are childcare $350, car insurance $85, Dr. bills $60, Prosper $119, Credit Card payments $300, Cell Phone $50, NO CAR PAYMENT, NO RENT CURRENTLY/NO MORTGAGE. I have been making double payments on cards. |
| Borrower's Other Listings | |||||
|---|---|---|---|---|---|
| 1026 | Single mom with a new job!!! :) | E | $3,600 @ 15% | Mar 01, 2006 | Withdrawn |
| 1082 | Starting Over | E | $3,000 @ 16% | Mar 02, 2006 | Withdrawn |
| 1122 | One Less Payment Please | E | $3,200 @ 16% | Mar 02, 2006 | Withdrawn |
| 1306 | Super Mom needs alittle help! | E | $3,500 @ 19% | Mar 06, 2006 | Withdrawn |
| 1599 | Needing a little help please | E | $3,000 @ 24% | Mar 09, 2006 | Loan created |
| 245729 | 2nd loan -- Needing a little help please | D | $5,900 @ 23% | Dec 06, 2007 | Withdrawn |
| 247487 | 2nd loan -- Needing a little help please | D | $5,900 @ 23% | Dec 09, 2007 | Expired |
| 260819 | 2nd loan -- Needing a little help please | D | $4,000 @ 21% | Jan 06, 2008 | Expired |
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