Buying my fiancee's piece of mind
| Listing Information | |||
|---|---|---|---|
| Amount: | $5,000.00 | Status: | Loan created |
| Grade: | D | DTI: | 24% |
| Lender Rate: | 35% | Borrower: | candlemandan |
| Finished | State: | CT | |
| Funded: | 100% | Group: | (No Group) |
| Loan Information | |||||
|---|---|---|---|---|---|
| Loan Status: | Current | Origination Date: | 2008-07-09 | EricsCC ROI: | 33% |
| Status History | |
|---|---|
| Jul 09, 2008 | Current |
| Oct 24, 2008 | Late |
| Oct 31, 2008 | Current |
|
a.) About Me: I am 29 years old, with no children yet. I have been with my current employer for 9 months now, but I stayed at my previous employer for 12 years. I chose to change jobs for a closer commute to my home and for a higher rate of pay. b.) Explanation of Bad Credit: I have always been responsible with my finances, but have made many mistakes in the past. In the past, I attempted to pay a new vehicle, a condo, plus living expenses However, I learned my lesson to not live beyond my means. My fiancee is very responsible and has taught me a great deal over the past two and a half years. She has never had a late payment and is diligent about our bills. I have paid all of my new accounts on time and will continue to do so. I?m asking for a chance to prove myself and to get my credit score higher. I have been current on all of my newest accounts and promise to keep it that way. My bills are always paid as soon as I receive my statement. I sincerely promise that I will continually pay each and all of my bills on time, especially to Prosper, because I know this is peoples? hard-earned money they would like back. c.) What I Will Do With The Money Loaned to Me: I will use this complete loan amount to finish paying for my wedding expenses. My fiancee is very stressed about the money, and wants to make sure that she can pay for the people on our wedding list. This covers 2/3 of our entire wedding budget, and she has the rest saved at this point in time to write for our September 20th wedding in full. I want to take this loan as a way to ease both of our minds so she can get back to enjoying planning the final details. I do not want to see her stressed everyday. She has a very demanding job, and is working a great deal of overtime, and I would like for her to relax when she comes home at night. We will have no problems repaying this loan. I will take most of this loan to pay for the reception for our wedding. I will also use about $500 of this loan to purchase a swim with the dolpins day on our honeymoon, which is my fiancee's dream. This will be her wedding present from me. d.) Here are my Monthly Financial Details: Net income after payroll deductions from all sources: at least $3,000 Fiancee?s Income: at least $2,000 Total monthly family income: $5,000 Rent: $250 Phone: $40 Car Loan: $505 Insurance: $100 Credit cards: $214 Total monthly expenses: $1109 I will have $1891 left of my paycheck to make the payment on my Prosper loan, before fiancee's income. e.) Closing Remarks to Lenders: I know that I may not seem like the most credit-worthy person when first looking at my credit report. However, I have made vast improvements in my score. In the last year alone, I have been able to raise my credit score more than 150 points even after purchasing a new vehicle. I am committed to making my fiancee enjoy her life, as she has spent her entire life worrying about everyone around her. I dedicated my life to her already, and our wedding allows the law to witness that. I will not do anything to ruin our chance for a perfect day. I will make my loan payments on time every month (I have requested for the amount to be taken from my checking account monthly). We are also excitedly looking at purchasing our own home shortly after the wedding, so we will be focused on paying all of our debts in full. Thank you for this chance. |
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