Hi Hopes
| Listing Information | |||
|---|---|---|---|
| Amount: | $2,800.00 | Status: | Loan created |
| Grade: | HR | DTI: | 5% |
| Lender Rate: | 28% | Borrower: | HiHopes |
| Finished | State: | TX | |
| Funded: | 100% | Group: | NuBeginnings |
| Loan Information | |||||
|---|---|---|---|---|---|
| Loan Status: | Default | Origination Date: | 2006-08-24 | EricsCC ROI: | -46% |
| Status History | |
|---|---|
| Aug 28, 2006 | Current |
| Apr 08, 2007 | Late |
| Apr 25, 2007 | 1 month late |
| May 25, 2007 | 2 months late |
| Jun 25, 2007 | 3 months late |
| Jul 25, 2007 | 4+ months late |
| Aug 28, 2007 | Default |
|
I know your time is limited and valuable when it comes to requests such as mine. I have struggled with finances in the past, due to improperly managing my money and irresponsibility. I realize now the importance of financial stability and paying my debts and obligations. There are numerous delinquencies on my credit report and I dispute none of them. The debt is mine and only mine, I have no one to blame but myself. I am here for obvious reasons and hope you might understand. I am seeking funding to clean up my credit report and by doing so, before my report is cleaned up, I get to pay back what is owed to all who have extended credit to me. Late fees and high interest rates add up. Rough times have taken a toll on me, but more importantly, not paying back what is owed has troubled me. I bought my home 7 years ago with pretty much the same credit score I have the now. I had to take care of, or clear up a few delinquencies before my mortgage would be approved. I did, and it was. I was told the rest did not matter or did not count (medical bills, old utilities). It does, to creditors, on paper and it does in my heart. My delinquencies are as follows: (2) listings for home phone service.same provider, 2004, $80 - 2005, $532. (1) listing for a "bad credit o.k." credit card. 2004, $697. (2) listings for payday loan, same provider.1999, $200 - 2000, $1000. (7) listings for medical bills. 2001, 2003, 2004, $1267. (1) listing for mortgage. My household expenses are as follows: Debt (autos and mortgage) $1042.93. Expenses (auto maint. & gas) $431.00 + or -, (groceries,utilities and house maintenance) $791.00. I am employed full time. I am a very hard working individual. I enjoy my job and I can relax after a long day knowing I did my best and I did it honestly. My income is steady and my outcome will indeed improve. My household income is $3397.34 per month. My Debt and Household Expenses are $2557.93 with a surplus of $839.41. I will use my wages earned to pay my loan back on time and in full. |
| Borrower's Other Listings | |||||
|---|---|---|---|---|---|
| 21891 | Hard Times | HR | $2,999 @ 20% | Jun 27, 2006 | Withdrawn |
| 22315 | I wanna b free | HR | $2,999 @ 29% | Jun 29, 2006 | Withdrawn |
| 23327 | 3rd times a charm | HR | $2,000 @ 26% | Jul 06, 2006 | Expired |
| 25381 | Hi Hopes | HR | $3,000 @ 28% | Jul 18, 2006 | Withdrawn |
| 25553 | Hi Hopes | HR | $3,000 @ 29% | Jul 19, 2006 | Expired |
| 28608 | Hi Hopes | HR | $3,000 @ 28% | Aug 02, 2006 | Expired |
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