Ready to be free
| Listing Information | |||
|---|---|---|---|
| Amount: | $3,600.00 | Status: | Withdrawn |
| Grade: | HR | DTI: | 19% |
| Lender Rate: | 35% | Borrower: | djnaki2322 |
| Finished | State: | AZ | |
| Funded: | 1% | Group: | (No Group) |
|
I currently have a Prosper loan. While I was able to use it to pay my immediate debt, I was unable to pay off the negative marks on my credit report due to a family issue. My father fell ill and I had to move to another state to care for him as well as my elderly mother. I was not happy that I was unable to use the loan for the full purpose mentioned, I was glad to pay my immediate debt and be able to help my family. I have had 4 "Failed" payments with the current loan. They occured while I was looking for employment, but have never gone past 15 days late. I have since then been on time with my payments. Purpose of this loan: This loan will be used to pay off my current prosper loan as well as a few payday loans that I foolishly took out again. While I was able to stay away from them for quite some time, the a/c in my car went and was very expensive to fix. It also caused my car to not run at all. I felt I had no choice but to take them out to fix my car to be able to get to work in this desert heat. By paying off the PDL's I will free up $600 a month. I will use that to pay off the negative marks on my credit report myself as I wanted to do before my father fell ill. Paying off the current prosper loan will make one easy payment for myself. While I was able to get a car loan after using Prosper ( something I had never been able to do before ) I do have high interest on it. I want to work with my creditors to improve my score and lower my car interest in time. My financial situation: I have a good steady job with a nation wide company and a record of paying my Prosper loan on time. While I have had 4 late payments ( as mentioned above) I did do everything I could to make sure my lenders were paid in a timely manner. I hope you take that into consideration when looking over this listing. Monthly net income: $ 2198 Monthly expenses: $ 2234 Housing: $ 600 Insurance: $ 140 Car expenses: $ 340 Utilities: $ 100 Phone, cable, internet: $ 100 Food, entertainment: $ 150 Clothing, household expenses $ 40 Credit cards and other loans: $ 100 (Prosper) Other expenses: $ 664 (pdl's) I am usually -$36 each month, which generally comes out of my food bill. While my credit score has not improved, I am hoping my track record with Prosper will show that I do pay my lenders back. I will in the end be more than able to continue to pay my current bills on time as well as start to pay those I should have paid before. I thank you for your consideration, and I hope to continue to show the Prosper lenders my appreciation by on time payments with a new loan |
| Borrower's Other Listings | |||||
|---|---|---|---|---|---|
| 61344 | Wanting to start over | HR | $5,000 @ 16% | Nov 13, 2006 | Withdrawn |
| 62225 | Getting rid of pay-day loans and focusing on better credit | HR | $2,806 @ 17% | Nov 15, 2006 | Expired |
| 66147 | Getting rid of PayDay loans and Med. bills | HR | $2,800 @ 17% | Nov 26, 2006 | Loan created |
| 355534 | Getting rid of Payday Loans | HR | $2,100 @ 35% | Jun 23, 2008 | Expired |
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