2nd Prosper Loan - Good job, always pay on time
| Listing Information | |||
|---|---|---|---|
| Amount: | $5,000.00 | Status: | Loan created |
| Grade: | D | DTI: | 31% |
| Lender Rate: | 19% | Borrower: | Luvmyfamilyanddogs |
| Finished | State: | AL | |
| Funded: | 100% | Group: | FUTURE FINANCIAL FREEDOM 1 |
| Loan Information | |||||
|---|---|---|---|---|---|
| Loan Status: | 4+ months late | Origination Date: | 2008-02-04 | EricsCC ROI: | -63% |
| Status History | |
|---|---|
| Feb 03, 2008 | Current |
| Jul 19, 2008 | Late |
| Aug 05, 2008 | 1 month late |
| Sep 05, 2008 | 2 months late |
| Oct 06, 2008 | 3 months late |
| Nov 05, 2008 | 4+ months late |
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Purpose of loan: This loan will be used to payoff balance of higher interest rate loan of 40%, will lower my DTI and improve credit score in the long run. This will allow me to payoff the loan in 3 years versus nearly 6. My financial situation: I am a good financial shape, although you might not know it from my credit rating. I have worked for Fidelity, one of the top rated fortune 500 businesses for over nine years. I always get merit raises and excellent performance ratings. Presently I make over $45,000, and will be getting a 2% to 4% raise by March. I have lived in the same small community all of my life, and am not interested in "keeping up with the Joneses". I am content with my life, my job, my marriage, my home and my community. I am not late on my payments, and try to keep everything coming out of my check account with automatic draft so nothing gets lost in the mail. My revolving balance shows high because my mortgage has just begun reporting, and its a home equity loan, so it shows revolving. I have not included my husbands income in the listing, but he contributes an additional 25K a year toward expenses. He pays the utilities/water/gas/garbage, which is why I didnt list them in my monthly expenses. Monthly net income: $ 2810 Monthly expenses: $ Housing: $ 500.00 Insurance: $ Car expenses: $ 150.00 Utilities: $ Phone, cable, internet: $ 45 Food, entertainment: $ 50 Gas $ 100 Credit cards and other loans: $ 275 Prosper: $ 135 |
| Borrower's Other Listings | |||||
|---|---|---|---|---|---|
| 137712 | Help me be debt free in 3 | D | $3,500 @ 15% | May 15, 2007 | Withdrawn |
| 137743 | Good job, help me get rid of debt monkey | D | $3,500 @ 22% | May 15, 2007 | Loan created |
| 264910 | Good job, help me get rid of debt monkey | D | $8,000 @ 29% | Jan 14, 2008 | Withdrawn |
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