2nd Prosper Loan ~Consolidation NO DQ's
| Listing Information | |||
|---|---|---|---|
| Amount: | $10,000.00 | Status: | Withdrawn |
| Grade: | E | DTI: | 32% |
| Lender Rate: | 30% | Borrower: | BlissfullyHappy |
| Finished | State: | NM | |
| Funded: | 1% | Group: | (No Group) |
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I'm married with one son, age 16. I must state I'm shocked at my credit grade. I have absolutely no delinquent payment history, everything is paid on time and as agreed. I'm also a victim of identity theft (however, I was lucky, as there is a grand jury indictment against the woman who was illegally using my information). Unfortunately, they have not arrested the woman yet, as she has again moved. I was also shocked at the credit ratio percentage. The reason is, I have credit cards, which I use all the time, however, I pay them every month. I've also learned, and it's already disputed with the fraud department of the credit bureaus, that many inquiries are appearing again, which were earlier deleted as of fraud, thus lowering my score. These inquiries, according to Experian, will be deleted and my credit report corrected within 45-60 days pursuant to Experian. Additionally, I am married and my husband does carry an income higher than mine. My husband assists in all our payments. My income is $4,000.00 per month after taxes. I pay the following bills: My husband's income is $4,000.00 per month. My husband pays the car payments, rental payments, and all other bills. My spouse and I also have a savings account, which we put money into each month. The request for the loan is to consolidate my debts which I pay a high interest rate on, paying off all bills and lowering my payments. These accounts, balances and current payments are as follows: American General Current Balance, approximately $3,200.00 Amount I pay each month $200.00 Dell Financial Current Balance, approximately $2,000.00 Amount I pay each month: $150.00 HSBC current balance, approximately $550.00, amount I pay each month $200.00 DNCU CC balance $1,050.00 monthly payment $200.00 Credit Bank One balance $300.00, monthly payment $300.00 Century Bank balance $4,000.00 monthly payment $300.00 DNCU motorcycle loan $3,200.00 monthly payment $100.00 Total Credit Payments (Approx.): $1450.00 Prosper loan $10,000 @ approx. 30% = $425.00 A savings of approximately $1,050.00 I also have a prosper loan which I've been paying on for over a year, with perfect credit history. I was welcomed by Prosper to apply for a second loan to pay of all my debt, (christmas this year was extremely painful) My debt came from several things that hit all at once. The first, travel expenses incurred due to a sick family friend and taking our son to interview colleges. Second, we had to purchase our son a car, and had to borrow the money. I'm a very open and honest person and will be happy to answer any questions you may have and furnish proof to any items you may request. Thank you for your thoughts and consideration. Blessings, |
| Borrower's Other Listings | |||||
|---|---|---|---|---|---|
| 95409 | Consolidation | C | $5,500 @ 13% | Feb 09, 2007 | Withdrawn |
| 100062 | consolidation | C | $5,600 @ 17% | Feb 15, 2007 | Withdrawn |
| 100426 | Consolidation | C | $5,600 @ 15% | Feb 16, 2007 | Loan created |
| 268227 | 2nd Prosper Loan ~Consolidation NO DQ's | E | $9,000 @ 22% | Jan 19, 2008 | Withdrawn |
| 269954 | 2nd Prosper Loan ~Consolidation NO DQ's | E | $7,000 @ 35% | Jan 22, 2008 | Withdrawn |
| 273154 | Consolidation NO DQ's ~ 2nd Prosper Loan | E | $5,000 @ 32% | Jan 29, 2008 | Loan created |
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