Pay off Revolving Credit Cards
| Listing Information | |||
|---|---|---|---|
| Amount: | $3,000.00 | Status: | Withdrawn |
| Grade: | E | DTI: | 22% |
| Lender Rate: | 22% | Borrower: | ANGELFYR |
| Finished | State: | OH | |
| Funded: | 0% | Group: | Have Money - Will Bid |
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-->Hello & thanks for reading my listing. I am employed as a firefighter/paramedic at the same department starting my 9th year now. I also teach as a lead outreach education instructor for a level I trauma center in my spare time. I am on prosper b/c I need more financial help due to the fact b/c of medical issues & being off of work for the past 6 months I got behind on all my bills. I already have one prosper loan that was used to payoff payday loans which they were which I pay automatically thru my acct without difficulty or problems except that when I had to manually make these payments the website would not let me until after my due date hence why it shows less than 2 times late when in fact it was not. I contacted prosper about this & they had no answer for me on this. Now that I am back to work, I am having problems getting caught up on all my bills due to the fact that I was on FMLA for those six months & fend for myself & have no family to rely on for money to get back on track with my creditors. I just need a little push. All my credit cards are closed except for one that I will keep only for emergencies. Please Help! -->My credit score is actually through Experian @ 525 which I checked yesterday only down from 600 from my previous prosper loan. Most of the delinquencies that show are from before the 2003 bankruptcies except for the current revolving credit cards that will be listed below. I just can not get caught up but make minimum payments at this time & as you know with finance charges, late fees, over the limit fees, they just keep accruing. I would use the Prosper Loan to pay off the following: Capitol One - 935.00 Credit One - 781.00 First Premier - 945.00 Tribute - 750.00 ------- $3411.00- Total amount of Debt My current monthly net income is $4500. Here's my monthly budget with the prosper loan: 1000 - Mortgage 130 - Electricity 100 - Gas 200 ? Home Phone/Cell Phone 270- Car Payment 130 - Insurance (Home/Alarm system monitoring) 250 - Gas 500 ? IRS (monthly payment)) 250 - Groceries 50 ? Recreation(Gym Membership) 100 ? Internet/Cable 177 - Prosper loan (first one) 25 - Water 26 - Tan Co. 85 - Student Loan -------------- $3393.00 - total monthly expenditures As you can see, I have over $ 1107.00 left over to be used, not only for my Prosper Payment, but for savings for emergencies. I can begin to live a normal life free from the stress caused by my layoff from my job & end harrassment from my creditors when I am trying the best I can with what I can right now. I promise that my payments to Prosper will be my top priority each month. In fact, I am going to have Prosper automatically withdraw my payments each month so that everyone, including myself, knows that my payment will be made on time, every time. |
| Borrower's Other Listings | |||||
|---|---|---|---|---|---|
| 119139 | Debt Consolidation | D | $4,000 @ 6% | Apr 04, 2007 | Expired |
| 157329 | Debt Consolidation | D | $15,000 @ 22% | Jun 24, 2007 | Withdrawn |
| 159460 | Debt Consolidation | D | $10,000 @ 22% | Jun 27, 2007 | Withdrawn |
| 161566 | Debt Consolidation | D | $6,500 @ 22% | Jul 02, 2007 | Withdrawn |
| 163996 | Debt Consolidation | D | $8,000 @ 21% | Jul 06, 2007 | Withdrawn |
| 164809 | Debt Consolidation | D | $5,500 @ 21% | Jul 07, 2007 | Withdrawn |
| 165273 | Debt Consolidation | D | $10,822 @ 23% | Jul 08, 2007 | Withdrawn |
| 170028 | Pay off PayDay Loans | D | $6,281 @ 23% | Jul 16, 2007 | Withdrawn |
| 173933 | Pay off PayDay Loans | D | $4,757 @ 20% | Jul 22, 2007 | Loan created |
| 297038 | Pay off Revolving Credit Cards | HR | $3,500 @ 22% | Mar 24, 2008 | Withdrawn |
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