Help me consolidate bills to improve credit!
| Listing Information | |||
|---|---|---|---|
| Amount: | $5,000.00 | Status: | Expired |
| Grade: | E | DTI: | 44% |
| Lender Rate: | 35% | Borrower: | romans828 |
| Finished | State: | GA | |
| Funded: | 1% | Group: | UtopiaLoans.com - Now Over $1 Million in Closed Loans!! |
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Up until about eight years ago, I was considered successful. I had a wonderful job, money saved in the bank, stocks/investments, excellent credit and I was married. But unfortunately life happened, my marriage dissolved and due to a horrible divorce, my savings were depleted and eventually I had to file bankruptcy due to the debt incurred during the marriage. I didn?t dwell on what happened to me, I kept moving on and doing the things I needed to do in order to start my life over. I have always been a very strong willed and determined person; I refuse to let any situation keep me down. I did start over and I was in the process of rebuilding my life and credit; I was able to get a couple of credit cards to help improve my credit. Over the course of the last few years I had to change employment due to mergers, buy-outs, and downsizing. Things were getting strained and I came to Prosper for help and I got it! My loan was funded and I have NEVER missed a payment. Unfortunately, due to the economy, I was eventually left without a permanent job. Thankfully I was able to get my unemployment but because of the amount of the unemployment I had to prioritize what household expenses were going to get paid; which meant rent and utilities had to definitely get paid, my Prosper loan was always paid but unfortunately I had a couple of credit cards bills that I was not able to pay, which in turn has greatly hurt my credit when I was in the process of rebuilding my credit. I now have a permanent job again and I have been working consistently; I am ready to get things back in order! Therefore I am requesting help from Prosper again. I?ve come to Prosper because although on paper I may appear to be a financial risk, I am actually a very responsible and dependable person, and the friends at Prosper realized that. Although it has been almost a decade, I had always maintained excellent credit and a savings/investment portfolio. Now I have definitely proven that to Prosper, I have been a member since 2006 and as I have stated, I have never missed a payment and my initial loan was approximately $3,000.00 My intentions are very simple; I am applying for the loan in order to consolidate my existing debts, which includes four creditors, and my current Prosper loan. By consolidating my currents, I will put myself in the position to start to repair and rebuild my credit. Below is a list of my current income and debts Monthly net income: $ 2000 Monthly expenses: $ 1459 Housing: $ 450 Insurance: $ 89 Car expenses: $150 Utilities: $ 100 Phone, cable, internet: $90 Food, entertainment: $ 80 Clothing, household expenses $100 Credit cards and other loans: $ 400 |
| Borrower's Other Listings | |||||
|---|---|---|---|---|---|
| 2824 | unanticipated expenses | E | $3,001 @ 17% | Mar 21, 2006 | Expired |
| 4929 | New Beginnings | E | $3,001 @ 21% | Apr 04, 2006 | Expired |
| 5763 | Second Chance | E | $3,001 @ 19% | Apr 11, 2006 | Expired |
| 7998 | Second Chance, A Little Help For Now | E | $3,001 @ 20% | Apr 25, 2006 | Loan created |
| 253120 | A Little Help For Now | E | $3,001 @ 24% | Dec 19, 2007 | Expired |
| 362730 | Prosper please help me again! | E | $5,000 @ 29% | Jul 06, 2008 | Loan created |
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