Relist New Goal - Consolidate into lower monthly payment
| Listing Information | |||
|---|---|---|---|
| Amount: | $1,150.00 | Status: | Expired |
| Grade: | D | DTI: | 11% |
| Lender Rate: | 18% | Borrower: | GoFWD |
| Finished | State: | IN | |
| Funded: | 0% | Group: | (No Group) |
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I too am a Lender now with a winning bid at 12.7 and more bids coming, but a big thanks to those who have or will bid and those who cared to take a look. Listing is short in time for both borrower and lender to avoid long wait if approved sooner. I am NOT looking for interest rate to necessarily go lower at this point. I see the downgrade and not alarmed. Prosper checked in the middle of some actions that are actually being rectified. It will be clearer in a couple of months or so. That is why I am trying to establish this relationship. When I go back to school for my last year, I want that option of HOW to pay available. Right now I have to work down my debt, so conventional wisdom is to pursue consolidating highest debt per month into one payment. The Delinquent accounts all in settlement since late last year and one of them is completely paid off (CHASE) . Experian updated this last week. I have NO desire to ever, ever use the settlement process again. I am and will be paying on time, every time and then some, for all other accounts and even the ones I pay on settlement. I will make payments via the automated way, each and every time. I will also make intermittent payments. I will also authorize automatic deduction from my bank account when the loan is approved. My state Max is 17.78 % My Financial Picture : Will be used to reduce remaining credit card accounts. I have stopped the spending on these to esure there will be no "increases in debt" before loan is approved. Thanks TO ALL FOR TRUSTING AND BIDDING! Lets bring this to a positive close and you will be paid on time and ly far less than 36 months. I just want to get established as a borrower now. If you feel its not the time, I will fade from this and remain a lender, as I have begun to build that side up now. All the best to you all! Monthly net income: $ 2640.00 Monthly expenses: $1450.00 Housing: $ 375.00 (wife splits with me) Insurance : $80.00 Car expenses: $ 50.00 (Paid for car 9/2007- paid loan off on time - Never Late $281.66 X 60 mos) Utilities: $ 0- Phone, cable, internet: $ 25 Food, entertainment: $250 Clothing, household expenses $ 35 (I am not flashy, big ticket buyer) Credit cards and other loans: $ 400 Other expenses: $ 235 |
| Borrower's Other Listings | |||||
|---|---|---|---|---|---|
| 285580 | 3 Accounts have been settled , No Car Loan, Need to Consolid | C | $5,500 @ 12% | Feb 28, 2008 | Withdrawn |
| 286017 | No Car Loan, Need to Consolidate | C | $7,000 @ 12% | Feb 29, 2008 | Withdrawn |
| 286140 | No Car Loan, Need to Consolidate | C | $6,000 @ 12% | Feb 29, 2008 | Withdrawn |
| 286655 | Debt Consolidation, 3 Settlements Done, No Car Loan | C | $5,000 @ 18% | Mar 01, 2008 | Withdrawn |
| 287155 | Pay off 3 Creditors | C | $4,750 @ 17% | Mar 03, 2008 | Withdrawn |
| 287157 | Pay off 3 Creditors | C | $4,750 @ 17% | Mar 03, 2008 | Withdrawn |
| 287234 | Pay off 3 Creditors | C | $3,000 @ 17% | Mar 03, 2008 | Expired |
| 289196 | Pay off 3 Creditors | C | $3,300 @ 18% | Mar 06, 2008 | Withdrawn |
| 289340 | RELIST - Were so close! Reduce Int Rates! | C | $2,500 @ 18% | Mar 06, 2008 | Withdrawn |
| 289696 | RELIST had to be again - Great News - Need to Consolidate | C | $2,500 @ 18% | Mar 06, 2008 | Withdrawn |
| 290578 | Final Year for Degree, Reinvest in Prosper | C | $3,000 @ 18% | Mar 09, 2008 | Withdrawn |
| 292854 | Pay Off High Interest | C | $5,000 @ 18% | Mar 13, 2008 | Withdrawn |
| 294475 | Personal Loan | C | $1,900 @ 18% | Mar 17, 2008 | Withdrawn |
| 295077 | Personal Loan | C | $1,000 @ 18% | Mar 18, 2008 | Withdrawn |
| 297130 | Personal Loan | C | $3,500 @ 18% | Mar 22, 2008 | Withdrawn |
| 297632 | Reinvest in Prosper / Payoff Credit Cards | C | $3,500 @ 18% | Mar 23, 2008 | Withdrawn |
| 297817 | RELIST - Reinvest in Prosper/State Max 17.78/ Pay CC | C | $2,500 @ 18% | Mar 23, 2008 | Expired |
| 300964 | Ended short of 50%, Relisting - Reinvest in Prosper | C | $2,750 @ 18% | Mar 28, 2008 | Withdrawn |
| 300969 | Ended short of 50%, Relisting - Reinvest / Reduce Interest | C | $3,000 @ 18% | Mar 28, 2008 | Withdrawn |
| 300984 | Ended short of 50%, Relisting - Reinvest / Reduce Interest | C | $2,000 @ 18% | Mar 28, 2008 | Expired |
| 302434 | Relist Again - Need for Immediate Goal | D | $1,500 @ 18% | Apr 01, 2008 | Withdrawn |
| 303144 | Relist New Goal - Consolidate into lower monthly payment | D | $3,500 @ 18% | Apr 01, 2008 | Withdrawn |
| 305410 | Consolidate cc payments | D | $1,150 @ 18% | Apr 07, 2008 | Withdrawn |
| 306726 | Consolidate cc payments/Max for state is 17.78% | D | $1,450 @ 18% | Apr 09, 2008 | Withdrawn |
| 306760 | Consolidate Pay Off CC//Dentalwork/Max is 17.78% | D | $4,000 @ 18% | Apr 09, 2008 | Withdrawn |
| 312784 | Consolidate Pay Off CC - Dentalwork | D | $3,000 @ 35% | Apr 17, 2008 | Withdrawn |
| 313082 | Consolidate Pay Off CC - Dentalwork | D | $3,000 @ 30% | Apr 17, 2008 | Withdrawn |
| 329640 | Consolidate Pay Off Credit Card Debts | D | $3,500 @ 35% | May 09, 2008 | Withdrawn |
| 352954 | Consolidate Pay Off Credit Card Debts | D | $3,500 @ 35% | Jun 18, 2008 | Withdrawn |
| 352967 | Consolidate Pay Off Credit Card Debts | D | $3,500 @ 35% | Jun 18, 2008 | Expired |
| 357264 | Pay Off CC Debts | D | $1,500 @ 24% | Jun 25, 2008 | Loan created |
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