Paying off my credit cards. Want a fixed-term loan.
| Listing Information | |||
|---|---|---|---|
| Amount: | $6,300.00 | Status: | Expired |
| Grade: | E | DTI: | 33% |
| Lender Rate: | 15% | Borrower: | joelforeman |
| Finished | State: | FL | |
| Funded: | 0% | Group: | Debt Consolidation & Friends |
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Purpose of loan: I'm looking to consolidate debt right now. I have paid off several credit cards, and an outstanding car loan, and I'm just looking to accelerate payment by using a fixed-term and also to simplify by having just one loan. My current debts are 3 credit cards (~$4300) and another Prosper loan (~$1900). I work for Walt Disney World in Florida and have worked for Disney in some capacity 10 out of the past 13 years. It's where I intend to be for the remainder of my working days. I have a steady salary and work part-time jobs every so often to try and make ends meet a little better. This loan would be nice, because it would help me to keep building the credit I have, instead of destroying it. My financial situation: I'm a great candidate for paying this back! I've already been paying my current Prosper loan on automatic payments since February. I just need to get this paid down and keep building that credit! I'll be honest, I've made some stupid choices in the past, but I will not renege on my financial obligations. There is a bankruptcy in my past, but that's been 3 years and, as you can see by my ability to get credit, I've built up enough goodwill to at least get myself in a situation where I've built some debt to prove my responsibility and restraint. In terms of my credit score, it's actually been at high as 624 recently. I think the reason that it fell has been having two auto loans at the same time. Monthly net income: $2350.00 Monthly expenses: $ Housing: $0.00 (Living at Home) Insurance: $0.00 Car expenses: $680.00 Utilities: $0.00 Phone, cable, internet: $100.00 Food, entertainment: $300.00 Clothing, household expenses $100.00 Credit cards and other loans: $310.00 Other expenses: $n/a |
| Borrower's Other Listings | |||||
|---|---|---|---|---|---|
| 91603 | MacBook is dying -- need Mac mini as a replacement! | E | $2,550 @ 18% | Jan 31, 2007 | Loan created |
| 228454 | Trying to Consolidate Debt. Please help! | E | $11,000 @ 35% | Nov 08, 2007 | Expired |
| 262469 | Need to Payoff Car Loan...and Fast! | E | $2,600 @ 31% | Jan 09, 2008 | Expired |
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