Human Resources Consultant Pays Off Debt "AA" Credit No DQ's
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|Loan Status:||Paid||Origination Date:||2008-02-26||EricsCC ROI:||13%|
|Feb 25, 2008||Current|
|Aug 12, 2010||Late|
|Aug 21, 2010||Current|
|Sep 23, 2010||Payoff in progress|
|Oct 12, 2010||Paid|
Hello! And thank you for considering my loan request.
I have been a human resources consultant for 25+ years, specializing in management training/coaching and business partnering. I provide consultative services to a wide range of clients, from small start-up companies to large Fortune 500 corporations. Having attended Sophia University in Tokyo, Japan and the University of Hawaii in Honolulu, I graduated from UH with my BA degree in Sociology. I am a long-term resident of Northern California (30 years) and live in a wonderful townhouse that I own (well, in conjunction with the bank).
I share my home with ?TheBoyzz? ? my devoted dachshunds, Maxwell Smart and DockerDawg, both of whom I adopted through local doxie rescue groups. Two of my main passions are hiking and baseball. I hike several times a week and thoroughly enjoy the solace and splendor of the many beautiful trails available at the regional parks throughout the San Francisco Bay Area. As a longtime Oakland A?s season ticket holder, I take pleasure in the entertainment of baseball. It offers me the excitement of the game itself, as well as the enjoyment of the camaraderie in the stands ? the people, the sunshine, the food and the yelling (when necessary) is all part of the pleasure. Besides the one Dog Day Afternoon at the park, it?s too bad TheBoyzz aren?t allowed at other games with me.
The purpose of this loan will be to pay off a high interest rate credit card used when I incurred some unexpected medical expenses a year and a half ago (my co-pay portion from my health insurance). I can happily report that I am currently in excellent health, and ready to pay off my credit cards. I intend to use this loan as an important ?kick-start? in paying off the biggest/highest interest-rate credit card balance and thereby reducing my DTI ratio. The interest rates on the remainder of my credit card debt is 17% or lower, which I plan to pay off by making larger monthly credit card payments with my income, while continuing to curb my spending. It is my goal to bring all my credit card balances ultimately to zero.
Credit Card to pay off with this loan:
Chase MasterCard: $21,260 @ 22.3%
My current Net Monthly Income is $9,000, with projected gross revenues of $120,000 for 2008. Last year my gross income was $93,000.
My Monthly Expenses BEFORE Prosper Loan: $7,507
Mortgage: $1,745 (Fixed Rate @ 5.7%)
Misc. Expenses (Health Insurance, HO Assoc dues, HO/Car Insurance): $1,636
Utilities (gas/water/telephones, food, etc.): $976
Credit Cards: $3,150 (I pay more than the minimum required; $1,000 will be eliminated with the Prosper loan)
My total monthly expenses AFTER Prosper Loan will be: $6,507, with the elimination of the Chase MasterCard debt.
Thereafter, I will have $2,493 left over with which to repay my Prosper loan as well as pay off my remaining credit cards more quickly.
I am an excellent candidate for this loan because I am a reliable, hardworking person and I take my responsibilities very seriously. With a clean payment history, no delinquencies ? ever ? and spotless ?AA? credit, I can confidently reassure the Prosper lenders that the repayment of this loan will be a paramount priority to me. The monthly payments will be deducted automatically from my bank account.
On behalf of my little family and myself I sincerely thank you for considering my listing, and I truly appreciate your bid in support of my endeavor to become debt free.