Working hard towards rebuilding my credit!
| Listing Information | |||
|---|---|---|---|
| Amount: | $2,000.00 | Status: | Loan created |
| Grade: | D | DTI: | 12% |
| Lender Rate: | 16% | Borrower: | Sadie61 |
| Finished | State: | IL | |
| Funded: | 100% | Group: | FANAFI Financial |
| Loan Information | |||||
|---|---|---|---|---|---|
| Loan Status: | Paid | Origination Date: | 2006-08-17 | EricsCC ROI: | 15% |
| Status History | |
|---|---|
| Aug 18, 2006 | Current |
| Sep 04, 2008 | Payoff in progress |
| Sep 10, 2008 | Paid |
|
Hello, I have made some poor financial choices in my life and now is the time to make them right. I used to have some bad habits about not paying my bills on time. Over the years, I have always paid late charges, over the limit charges on credit cards, not because I was overcharging but because the late fees wouldadd up and make my limit go over. So, that was the first half of my life. Now on with the second and the much improved other half of my life! I am a divorced Mother of three great children ages 23, 22, and 18. Thank God they did not take after me when itcame to money management. My fiancee is retired (at age 47) and I have been employed by a publishing company for the past 7 years with another stint of 6.5 years in the early 90's. I provide external Tech Support and internal Help Desk. I enjoy my job and helping people, especially those that have never used a computer before. I always remind them that we've all started somewhere and it's just their time to begin! Within the past two years I have been attempting to build my credit score up. I have been purchasing my credit reports, studying them, paying bills on time, and all around thinking differently about money. It used to burn a hole in my pocket and I'd have nothing left by the time the next pay day came around. Today, I'm able to keep it longer, and actually start saving something. When you look at my credit report, you'll see some late payments last summer. Please note that these have improved and the reason I took a nose dive is because I took the Family Medical Leave Act to stay at home with my Mom while she was recuperating from numerous surgeries due to a knee replacement. Since I had no savings to speak of, I had some problems with late payments. Those have all been taken care of and I'm actually two months ahead with my student loan right now. Paying bills online is a God send for me as it was always sod ifficult to get to the post office, buy stamps, put those stamps on my bills, and mail them off! I'm onlykidding, it wasn't difficult, I just procrastinated too much. I also learned the hard way that creditors wanted to hear from me if I was having difficulties instead of them having to call me. Finally, for the reason I am asking to borrow $2000...I am fortunate to have a fiancee that helped me pay off my credit cards when I couldn't get a loan from my bank to do so. I could pay him back $50 - $100 a month but then it wouldn't be reported to the credit bureaus and I am trying to build my credit score up from the depths! I thought this would be a good idea to prove I can do this, that I really am a responsible person! I'm excited about the prospects of Prosper and would like to be able to turn around and loan money to someone in my shoes some time. I also have a dream of owning a dog boarding kennel, offering training and grooming some day and by building my credit, it is more possible to see it than it was years ago. Thank you for your time and consideration. Have a great day :) |
| Borrower's Other Listings | |||||
|---|---|---|---|---|---|
| 29522 | To help rebuild my credit | D | $1,500 @ 20% | Aug 07, 2006 | Withdrawn |
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