Starting at the smallest amount to build my credit. Please?
| Listing Information | |||
|---|---|---|---|
| Amount: | $1,000.00 | Status: | Loan created |
| Grade: | E | DTI: | 27% |
| Lender Rate: | 20% | Borrower: | rtaase |
| Finished | State: | WA | |
| Funded: | 100% | Group: | (No Group) |
| Loan Information | |||||
|---|---|---|---|---|---|
| Loan Status: | Current | Origination Date: | 2008-06-10 | EricsCC ROI: | 18% |
| Status History | |
|---|---|
| Jun 10, 2008 | Current |
|
Purpose of loan: I am relisting once again, still hoping that I will get funded : ) I keep track of my credit monthly with a service that tracks all three credit bureaus, and my PLUS score with them is 646, (TransUnion is 649, and Equifax is 648, and Experian is 641), so I am not sure why it's lower on Prosper?? As you can see, I am at the maximum allowed interest for my state, and I really want to build a good history with Prosper and improve my credit overall. I want to establish a good payment history here as I have with all my creditors over the last seven years. I have grown up a lot in the last 8 years, and I know I can succeed in the process of getting out of debt for good, as long as I have discipline. I am so proud of myself for finally paying off my Cash Call loan ($5000 @ 59% interest), and I am soooo excited, that now I want to move on to my credit cards. I am only applying for a $1000.00 loan at this time so that I can show a successful loan with Prosper and once it is paid off, hopefully I will be able to get a loan big enough to pay off all of my credit card debt at a much better rate. Please note that I have went from and HR credit grade & 101% usage on bankcards to an E grade & 96% usage on my cards. I am paying the balances down, but it is just taking sooo long, as many of the cards have monthly fees for having them, and the payments split between nine cards are only a little over the minimum. I have cut all but one card up, so that the available balances will not be used. Financial situation: I have been working with the same company for just under 7 years, my husband has been with his company for 6 years. We make a good income, and have been on time with ALL our payments for the last seven years. As you can see, I have 0 delinquent accounts in the last seven years, and I can guarantee that my loan payments will be on time, every month until paid off. You can ask any questions, personal or otherwise that you would like to. I am completely open to your inquiries as it is your money and I want you to feel confident in my ability to pay it back. Thank you for reading! Monthly net income: $ 5400.00 Monthly expenses: $ Housing: $ 400.00 Insurance: $ 92.00 Car expenses: $ 354.00 Utilities: $ 200.00 Phone, cable, internet: $ 150.00 Food, entertainment: $ 400.00 Clothing, household expenses $ 200.00 Credit cards and other loans: $ 1700.00 (includes payments for cards listed above) Other expenses: $ 100.00 P.S. The public record is a bankruptcy that was discharged in 2001. My son was born in 1999 and he had some very serious health problems that prevented me from going back to work. He was in and out of the hospital several times in his first couple years, and with only one income and all the debt we incurred, we felt we had no choice but to file and start over. Since then, I have not had any late payments to any of my creditors!! Thanks again for looking! |
| Borrower's Other Listings | |||||
|---|---|---|---|---|---|
| 138391 | Get out of debt, plan for the future & college tuition | E | $25,000 @ 24% | May 16, 2007 | Withdrawn |
| 138473 | Get Out Of Debt & Into A Bright Future | E | $25,000 @ 24% | May 16, 2007 | Withdrawn |
| 138626 | Leave Debt Behind and Get On With Life! | E | $25,000 @ 24% | May 16, 2007 | Expired |
| 146782 | relist @ lower amount to build history on prosper | E | $5,000 @ 23% | Jun 05, 2007 | Expired |
| 150567 | VETTED!! Trying to build a good history! State Max% | E | $7,900 @ 23% | Jun 11, 2007 | Expired |
| 158480 | VETTED! STATE MAX%... Please just take a look! | E | $5,500 @ 23% | Jun 26, 2007 | Expired |
| 163345 | VETTED! STATE MAX%... Please just take a look! | E | $2,500 @ 23% | Jul 05, 2007 | Expired |
| 168910 | VETTED! Pretty please with state max interest on top? | E | $2,800 @ 23% | Jul 13, 2007 | Expired |
| 175617 | I AM A SAFE INVESTMENT!! Guaranteed on time payments... | E | $4,100 @ 23% | Jul 25, 2007 | Expired |
| 182233 | Please... this is listing #8... Just take a look? | E | $4,100 @ 23% | Aug 07, 2007 | Expired |
| 187299 | HELP!!!! My wages are being eaten by the Cash Call monster!! | E | $5,300 @ 23% | Aug 17, 2007 | Expired |
| 192244 | VETTED!! My wages are being eaten by the Cash Call monster!! | E | $5,300 @ 23% | Aug 24, 2007 | Expired |
| 196943 | VETTED!! My wages are being eaten by the Cash Call monster!! | E | $2,500 @ 23% | Sep 04, 2007 | Expired |
| 239057 | State Max %.... Please just take a look... Thank you! | HR | $2,700 @ 24% | Nov 28, 2007 | Expired |
| 247105 | State Max %....Starting small, want to build!! | HR | $1,500 @ 24% | Dec 08, 2007 | Expired |
| 254358 | State Max %....Starting small, want to build!! | HR | $1,500 @ 24% | Dec 21, 2007 | Expired |
| 258849 | State Max %....Starting small, want to build!! | E | $1,500 @ 24% | Jan 02, 2008 | Expired |
| 263946 | There are such things as monsters... the name is Cash Call!! | E | $5,000 @ 24% | Jan 12, 2008 | Expired |
| 269537 | From HR to E... I'm making my way up, just need a hand. | E | $5,000 @ 24% | Jan 22, 2008 | Expired |
| 287397 | From HR to E... I'm making my way up, just need a hand. | E | $5,000 @ 24% | Mar 03, 2008 | Withdrawn |
| 291331 | Credit grade should be a C... Take a look and see why.... | E | $5,000 @ 24% | Mar 10, 2008 | Expired |
| 296592 | I have got to Cash Call out of my life!! Please read listing | E | $2,500 @ 24% | Mar 21, 2008 | Expired |
| 302160 | I have got to Cash Call out of my life!! Please read listing | E | $2,500 @ 24% | Mar 31, 2008 | Withdrawn |
| 327816 | I cut them up... Now I just need to pay them off!! Help? | E | $4,900 @ 31% | May 07, 2008 | Withdrawn |
| 328611 | I cut them up... Now I just need to pay them off!! Help? | E | $3,000 @ 31% | May 08, 2008 | Expired |
| 333197 | NO past due accounts & NO late payments for 7 years!! | E | $2,900 @ 32% | May 15, 2008 | Expired |
| 337821 | Paying Off Credit Cards!! Improving My Credit Grade! | E | $2,900 @ 32% | May 23, 2008 | Expired |
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