Trying to get a fresh start
| Listing Information | |||
|---|---|---|---|
| Amount: | $4,500.00 | Status: | Withdrawn |
| Grade: | D | DTI: | 11% |
| Lender Rate: | 25% | Borrower: | grateful |
| Finished | State: | GA | |
| Funded: | 0% | Group: | Debt Consolidation & Friends |
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First, I would like to thank you for approving my membership. I'm trying to get in the position of being a lender because I am well aware of the rewards that comes from being able to help someone. I'm truly grateful. I'm requesting a loan to pay off my final debts so that my husband and I can purchase the house that we have been lease purchasing for over a year. Once we purchase our home the payments will decrease considerably. I also intend to pay off my existing loan with prosper. I'm in the process now of doing what's necessary to increase my credit scores. I have been on my job for almost fifteen years. I have recently joined an energy marketing team to produce income for investment purposes. One of our goals is to get in the position to become Prosper lenders. We are well aware of the rewards in being able to help someone else. The following explains our finances: Our total net income: $3630/mo Lease payment: $1350/mo Auto Insurance: $127/mo Utilities: $200/mo Cable/Phone/Internet: $130/mo Travel Expenses: $150/mo Food: $175/mo Prosper Loan: $172/mo Life insurance $66/mo Security monitoring $27/mo Cell Phone $99/mo Total Expenses $2496/mo Our cars are paid for. My credit suffered as a result of having to stay off my job for three months after an accidental fall in 2005 and being off my job for two months after an auto accident (not my fault) in June of 2006. I had some unexpected medical bills and travel expenses. I am still waiting for my case to be settled. I had to file chapter 7 bankruptcy last year in order to start getting things back on track. It was discharged in May 2007. The payments will be drafted from my bank account and I have made it a practice to make extra payments every chance I get . I am close to paying my first loan off early. On my first loan payment Prosper did not debit my account on the due date. As proof I sent a copy of my bank statement showing that my account had not been debited on May 18, 2006, the day the payment was due. As a result I was not charged a fee. I manually paid 200.00 on the 19th. On July 17, 2006 I made a deposit that did not clear until after the debit attempt on the 18th of that month. That one was my fault. I paid 175.00 manually on the 19th. My monthly payments of 172.00/month have been paid timely ever since. I hope that you can find it in your hearts to help us finish getting our finances completely back on track. We are so close. My credit standing means a great deal to me. Thank you for your consideration. |
| Borrower's Other Listings | |||||
|---|---|---|---|---|---|
| 3939 | Financial recuperation following injury | C | $5,000 @ 13% | Mar 28, 2006 | Withdrawn |
| 4164 | Financial recuperation after injury | C | $5,000 @ 18% | Mar 29, 2006 | Withdrawn |
| 4174 | Financial recuperation after injury | C | $4,500 @ 15% | Mar 29, 2006 | Withdrawn |
| 4306 | Getting back on my feet. | C | $5,000 @ 15% | Mar 30, 2006 | Withdrawn |
| 5188 | Getting back in the saddle | C | $6,000 @ 17% | Apr 06, 2006 | Withdrawn |
| 5190 | Getting back in the saddle | C | $6,000 @ 17% | Apr 06, 2006 | Withdrawn |
| 5210 | Getting back in the saddle | C | $5,000 @ 14% | Apr 06, 2006 | Loan created |
| 275948 | Getting back in the saddle | HR | $20,000 @ 15% | Feb 04, 2008 | Withdrawn |
| 277541 | Getting back in the saddle | HR | $20,000 @ 15% | Feb 08, 2008 | Withdrawn |
| 277666 | Getting back in the saddle | HR | $20,000 @ 15% | Feb 09, 2008 | Withdrawn |
| 278412 | Getting back in the saddle | HR | $8,000 @ 15% | Feb 11, 2008 | Withdrawn |
| 281029 | Getting back in the saddle | HR | $4,500 @ 18% | Feb 18, 2008 | Withdrawn |
| 281352 | Getting back in the saddle | HR | $4,500 @ 18% | Feb 18, 2008 | Withdrawn |
| 281361 | Getting back in the saddle | HR | $4,500 @ 18% | Feb 18, 2008 | Withdrawn |
| 281362 | Getting back in the saddle | HR | $4,500 @ 18% | Feb 18, 2008 | Withdrawn |
| 282385 | Down payment to help purchase my home | HR | $4,500 @ 18% | Feb 20, 2008 | Expired |
| 287185 | Down payment to help purchase my home | HR | $3,002 @ 18% | Mar 03, 2008 | Withdrawn |
| 290376 | Down payment to help purchase my home | D | $4,000 @ 33% | Mar 08, 2008 | Withdrawn |
| 295500 | Down payment to help purchase my home | D | $8,000 @ 33% | Mar 19, 2008 | Expired |
| 301246 | Down payment to purchase my home | D | $5,000 @ 35% | Mar 29, 2008 | Withdrawn |
| 301818 | Pay off debts to increase credit score | D | $6,000 @ 35% | Mar 30, 2008 | Withdrawn |
| 302298 | Pay off debts to increase credit score | D | $6,000 @ 35% | Mar 31, 2008 | Withdrawn |
| 302381 | Pay off debts to increase credit score | D | $5,000 @ 35% | Mar 31, 2008 | Withdrawn |
| 303634 | Pay off debts to increase credit score | D | $5,000 @ 18% | Apr 02, 2008 | Withdrawn |
| 304262 | Pay off remaining debts for a fresh start | D | $5,000 @ 29% | Apr 04, 2008 | Withdrawn |
| 304363 | Pay remaining debts(2nd loan) Good payment history | D | $5,000 @ 18% | Apr 04, 2008 | Withdrawn |
| 306828 | Pay remaining debts-proven to be a good risk | D | $4,800 @ 20% | Apr 09, 2008 | Withdrawn |
| 308001 | Trying to get a fresh start | D | $3,900 @ 35% | Apr 11, 2008 | Expired |
| 315376 | Trying to get a fresh start | D | $3,900 @ 35% | Apr 21, 2008 | Withdrawn |
| 315387 | Trying to get a fresh start | D | $3,900 @ 35% | Apr 21, 2008 | Withdrawn |
| 315388 | Trying to get a fresh start | D | $3,900 @ 35% | Apr 21, 2008 | Withdrawn |
| 315460 | Trying to get a fresh start | D | $3,900 @ 33% | Apr 21, 2008 | Withdrawn |
| 318714 | Trying to get a fresh start | D | $4,500 @ 25% | Apr 26, 2008 | Withdrawn |
| 320395 | Trying to get a fresh start | D | $3,500 @ 35% | Apr 28, 2008 | Expired |
| 326482 | Trying to get a fresh start | D | $3,500 @ 35% | May 05, 2008 | Withdrawn |
| 329110 | Pay Off Remaining Debts | D | $3,000 @ 35% | May 08, 2008 | Withdrawn |
| 331301 | Pay Off Remaining Debts | D | $3,900 @ 35% | May 12, 2008 | Withdrawn |
| 332368 | Pay Off Remaining Debts | D | $1,900 @ 25% | May 14, 2008 | Withdrawn |
| 333027 | Pay Off Remaining Debts | D | $1,900 @ 32% | May 15, 2008 | Loan created |
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