TRYING TO GET RID OF HIGH INTEREST DEBT AND IMPROVE CREDIT!
| Listing Information | |||
|---|---|---|---|
| Amount: | $3,000.00 | Status: | Loan created |
| Grade: | HR | DTI: | 61% |
| Lender Rate: | 35% | Borrower: | Sunnshinne251981 |
| Finished | State: | OH | |
| Funded: | 100% | Group: | Global Group - Fast Same Day Approval - |
| Loan Information | |||||
|---|---|---|---|---|---|
| Loan Status: | 3 months late | Origination Date: | 2008-06-19 | EricsCC ROI: | -82% |
| Status History | |
|---|---|
| Jun 18, 2008 | Current |
| Oct 04, 2008 | Late |
| Oct 20, 2008 | 1 month late |
| Nov 20, 2008 | 2 months late |
| Dec 23, 2008 | 3 months late |
|
I have improved my credit score greatly! Hello and thank you for viewing my listing. If I get this loan I promise it will be paid back in full and on time. I would also have it set up on automatic payments to ensure timely payments. Purpose of loan First off let me explain why my credit score is where it is. Due to paying on an old bill, because it is considered a late payment to the credit bureaus my score was brought down; otherwise I pay all of my bills on time. I have a payday loan with a crazy interest rate; the loan is for $2600.00. I have had this loan for about a year and all of my payments have been made on time. I have a few credit cards that I would like to pay off also. I have actually closed the credit lines out on all but 1 credit card. Therefore, I am paying my debt down and not accumulating more as I am doing so. I know that due to my score it may seem high risk, but let me explain a little more about me and my plans. I don?t want to just take out a small amount and still have other outstanding bills. To me it makes more sense to get things all together and not mess around with it. So, I would like to be able to consolidate my bills into one payment. I will have more resources available to pay that one will bill down faster (prosper loan). Through my past mistakes I have really learned better money management skills and the value of good credit. My financial situation: I have a really good job that I received after gradating from college in the Legal field. I only see my career getting better as I continue my college education. I make good money; overtime is offered and monthly bonuses of about $300.00. My financial situation is good. I just need to get things narrowed down to one payment with a feasible interest rate. I believe that I have become more educated with credit and how important it really is. With this prosper loan here is a layout of what I would do with it. Amount of loan I am requesting and how it will be used: $3000.00 $2600.00 Pay Day Loan 1 $400.00 Credit Card (Credit line closed) Monthly net income: $2540 (The person that I live with pays rent) Monthly expenses: Housing: $0.00 Insurance: $220 Car expenses: $347 Utilities: $170 Phone, cable, internet: $155 Food, entertainment: $260 (this can vary sometimes when you have a six year old daughter) Clothing, household expenses $180 Credit cards and other loans: $520 Other expenses: $275 So, give or take at the end of the month I am left with $400.00 dollars. With this prosper loan I would save about $100.00 in the difference that I pay for the personal loan I have now, and about $90.00 in credit card payments per month. So, this would really alleviate things and allow me to pay down on other things. I take my credit very serious and I will take My Prosper Loan seriously ! |
| Borrower's Other Listings | |||||
|---|---|---|---|---|---|
| 205079 | DEBT CONSOLIDATION | E | $6,000 @ 18% | Sep 21, 2007 | Withdrawn |
| 208196 | Debt Consolidation | E | $5,000 @ 22% | Sep 28, 2007 | Withdrawn |
| 211950 | CONSOLIDATE CREDIT CARDS | E | $4,500 @ 22% | Oct 06, 2007 | Withdrawn |
| 214001 | CONSOLIDATE CREDIT CARDS | E | $4,500 @ 22% | Oct 10, 2007 | Expired |
| 218775 | CONSOLIDATE CREDIT CARDS | E | $4,500 @ 22% | Oct 20, 2007 | Withdrawn |
| 221975 | CONSOLIDATE CREDIT CARDS | HR | $8,000 @ 22% | Oct 26, 2007 | Withdrawn |
| 222745 | CONSOLIDATE BILLS DOWN TO ONE MONTHLY PAYMENT | HR | $8,000 @ 22% | Oct 29, 2007 | Withdrawn |
| 223507 | PAY OFF PAYDAY LOANS AND CREDIT CARDS | HR | $4,000 @ 22% | Oct 31, 2007 | Withdrawn |
| 225938 | CONSOLIDATE HIGH INTEREST PERSONAL LOAN | HR | $3,500 @ 22% | Nov 04, 2007 | Withdrawn |
| 228532 | PLEASE HELP ME GET OUT OF THE GRIP OF CASH CALL! | HR | $2,600 @ 22% | Nov 08, 2007 | Withdrawn |
| 232593 | CONSOLIDATE A HIGH INTEREST PERSONAL LOAN | HR | $2,600 @ 22% | Nov 16, 2007 | Withdrawn |
| 235406 | TRYING TO GET RID OF HIGH INTEREST DEBT AND IMPROVE CREDIT! | HR | $4,500 @ 22% | Nov 22, 2007 | Withdrawn |
| 348337 | TRYING TO GET RID OF HIGH INTEREST DEBT AND IMPROVE CREDIT! | HR | $4,000 @ 35% | Jun 12, 2008 | Withdrawn |
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