Need Help To Improve FICO Score
| Listing Information | |||
|---|---|---|---|
| Amount: | $10,001.00 | Status: | Withdrawn |
| Grade: | E | DTI: | 79% |
| Lender Rate: | 34% | Borrower: | jandem |
| Finished | State: | NH | |
| Funded: | 2% | Group: | BORROWERS - Free instant Listings - LARGEST GROUP |
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I know I have listed and withdrawn several times, but I would like to possibly get funded as soon as possible to improve my credit score in order to refinance my home and visit my parents. My credit score has dropped to an E from a C and will probably be back to a D within a week when they pull my score again. My Experian now shows a 706. Thank you for your consideration. About Me: I work for a National Healthcare Company as an Account Sales Manager. I have been with my current employer going on 11 years. Prior to this I owned a small sales company, most of my career has been in Sales. Why I would like the loan: Need help to improve my FICO score. I will pay off my cc's to impove my FICO score. Visit parents. I have always been responsible with my finances and I have worked very hard to getting my credit back on track since I closed my business, I promised to myself I would never be late on any payments and as you can see I never have. About a year ago I finally was able to purchase a house, which was a long time goal for me. As you can see I have never been late with any of my payments. I'm asking for a chance to prove myself and get my credit scores back up to where they should be. If you bid on my listing I promise that I will not let you down. Making my payments on time will be my top priority each month, I sincerely promise you that and as you can see from my financial details, I will have the money to do it. Lower Credit Score: I have been in the process of refinancing my home for a lower rate, which has lowered my credit score. Monthly Net Income: $ 2520.00 Spouses Monthly Net Income: 3330.00 Total: 5850.00 Monthly expenses: Housing: $ 2099.00 Car Insurance: $ 126.00 Car expenses: $ 514.00, 418.00 Utilities: $ 60.00 Phone, cable, internet: $ 78.00 Food, entertainment: $ 175.00 Clothing, household expenses $ 175.00 Credit cards and other loans: $ 160.00 Prosper Loan: 623.00 Total Monthly Expenses: $ 3951.00 I will have $1420.00 left to make the payments on my Prosper loan. Closing remarks: I have always made all of my payments on time on my first prosper loan and have never been late!!! Any help would be greatly appreciated. Thank You. |
| Borrower's Other Listings | |||||
|---|---|---|---|---|---|
| 102754 | Never Late, But it's time to consolidate! | C | $18,000 @ 20% | Feb 23, 2007 | Expired |
| 105567 | RELIST/ Higher Rate-Never Late, But Time To Consolidate!! | C | $17,000 @ 18% | Mar 02, 2007 | Loan created |
| 224529 | 2ND PROSPER LOAN | D | $10,400 @ 12% | Nov 01, 2007 | Withdrawn |
| 224727 | 2ND PROSPER LOAN | D | $10,400 @ 21% | Nov 02, 2007 | Withdrawn |
| 225277 | 2ND PROSPER LOAN | D | $10,400 @ 29% | Nov 03, 2007 | Withdrawn |
| 226431 | RELIST-2ND PROSPER LOAN | D | $10,400 @ 30% | Nov 05, 2007 | Withdrawn |
| 228588 | RELIST-PAYING OFF SMALL DEBT, 0 DEL, STATE CAP % | D | $8,203 @ 8% | Nov 08, 2007 | Withdrawn |
| 228630 | RELIST-PAYING OFF SMALL DEBT, 0 DEL | D | $10,003 @ 30% | Nov 08, 2007 | Withdrawn |
| 231895 | Relist-Hanging Around On Prosper | D | $10,202 @ 32% | Nov 14, 2007 | Withdrawn |
| 232319 | RELIST-0 DEL, 2ND PROSPER LOAN | D | $10,003 @ 35% | Nov 15, 2007 | Withdrawn |
| 236567 | Relist-Current On 1st Loan-0 Del-Almost There!!! | D | $10,851 @ 35% | Nov 24, 2007 | Withdrawn |
| 238527 | RELIST-Current on 1st Loan-0 Del | D | $10,678 @ 33% | Nov 27, 2007 | Withdrawn |
| 244143 | Relist-Almost There!! | D | $10,002 @ 35% | Dec 04, 2007 | Withdrawn |
| 245876 | Relist-O Del, 1st Loan Current, Almost There!! | D | $10,002 @ 34% | Dec 06, 2007 | Withdrawn |
| 249207 | Relist-Make Some Money!!!! | D | $10,002 @ 35% | Dec 11, 2007 | Withdrawn |
| 249818 | Consolidation Loan-Home Improvement | D | $10,200 @ 35% | Dec 12, 2007 | Withdrawn |
| 250631 | Relist-Consolidation Loan-Home Improvement | D | $10,001 @ 35% | Dec 14, 2007 | Withdrawn |
| 250633 | Relist-2ND Prosper Loan-O DQ's-Home Improvement | D | $10,001 @ 35% | Dec 14, 2007 | Withdrawn |
| 251147 | 2ND Prosper Loan-O DQ's | D | $10,001 @ 34% | Dec 15, 2007 | Withdrawn |
| 251745 | HELP ME, HELP YOU!!! #10 | D | $10,399 @ 35% | Dec 16, 2007 | Withdrawn |
| 253023 | ALWAYS ON TIME ON 1ST PROSPER LOAN-HELP ME, HELP YOU!!! #11 | D | $10,299 @ 35% | Dec 18, 2007 | Withdrawn |
| 254429 | ALWAYS ON TIME ON 1ST PROSPER LOAN-HELP ME, HELP YOU!!! #11 | D | $10,198 @ 35% | Dec 21, 2007 | Expired |
| 255799 | ALWAYS ON TIME ON 1ST PROSPER LOAN-HELP ME, HELP YOU!!! #12 | D | $10,199 @ 35% | Dec 26, 2007 | Withdrawn |
| 256104 | ALWAYS ON TIME ON 1ST PROSPER LOAN-HAPPY NEW YEAR!!! #12 | D | $10,199 @ 35% | Dec 27, 2007 | Withdrawn |
| 256178 | ALWAYS ON TIME ON 1ST PROSPER LOAN-HAPPY NEW YEAR!!! #12 | D | $10,194 @ 35% | Dec 27, 2007 | Withdrawn |
| 256696 | 2nd Prosper Loan-Consolidation | D | $10,109 @ 35% | Dec 28, 2007 | Withdrawn |
| 256737 | 2nd Prosper Loan-Consolidation | D | $10,109 @ 35% | Dec 28, 2007 | Expired |
| 258830 | 2nd Prosper Loan-Consolidation | D | $10,099 @ 35% | Jan 02, 2008 | Withdrawn |
| 260058 | 2nd Prosper Loan-Consolidation | E | $10,001 @ 35% | Jan 04, 2008 | Withdrawn |
| 260287 | 2nd Prosper Loan-Consolidation | E | $10,001 @ 35% | Jan 05, 2008 | Withdrawn |
| 261850 | Relist-2nd Prosper Loan-Consolidation | E | $10,001 @ 35% | Jan 08, 2008 | Withdrawn |
| 263372 | Done Deal!!-2nd Prosper Loan-Consolidation | E | $10,001 @ 35% | Jan 11, 2008 | Withdrawn |
| 263438 | Done Deal!!-2nd Prosper Loan-Consolidation | E | $10,001 @ 35% | Jan 11, 2008 | Expired |
| 265015 | RELIST: 2ND Loan- Need Help To Improve FICO Score | E | $10,001 @ 35% | Jan 14, 2008 | Withdrawn |
| 265375 | RELIST: 2ND Loan- Need Help To Improve FICO Score | E | $10,001 @ 35% | Jan 14, 2008 | Withdrawn |
| 266577 | RELIST: 2ND Loan- Need Help To Improve FICO Score | E | $10,001 @ 34% | Jan 16, 2008 | Withdrawn |
| 267702 | Trying Again: 2ND Loan- Need Help To Improve FICO Score | E | $10,001 @ 34% | Jan 18, 2008 | Withdrawn |
| 267788 | Trying Again: 2ND Loan- Need Help To Improve FICO Score | E | $10,001 @ 35% | Jan 18, 2008 | Withdrawn |
| 267984 | Trying Again: 2ND Loan-Mabey Auto Funding Will Work??!! | E | $11,000 @ 35% | Jan 19, 2008 | Withdrawn |
| 268377 | Trying Again: 2nd Loan-Need Help to Improve FICO Score.. | E | $10,309 @ 35% | Jan 20, 2008 | Withdrawn |
| 269368 | Relist:Until The End- 2nd Loan-0 Deliquencies-Consolidation | E | $10,001 @ 35% | Jan 22, 2008 | Withdrawn |
| 271383 | Need Help To Improve FICO Score | E | $10,001 @ 34% | Jan 25, 2008 | Withdrawn |
| 273743 | Need Help To Improve My Situation To Refinance My Home | E | $10,001 @ 35% | Jan 30, 2008 | Withdrawn |
| 274692 | Relist-Consolidation To Refi Home | E | $10,999 @ 35% | Feb 01, 2008 | Withdrawn |
| 275132 | Relist-Consolidation To Refi Home | E | $10,499 @ 34% | Feb 02, 2008 | Expired |
| 277886 | Relist-Consolidation To Refi Home | E | $10,199 @ 34% | Feb 09, 2008 | Withdrawn |
| 278108 | Rel-Excellent E, 0 DQ, 2nd Loan-Consolidation To Refi Home | E | $10,001 @ 35% | Feb 10, 2008 | Withdrawn |
| 278997 | Rel-Excellent E, 0 DQ, 2nd Loan-Consolidation To Refi Home | E | $10,001 @ 35% | Feb 12, 2008 | Loan created |
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