Consolidation
| Listing Information | |||
|---|---|---|---|
| Amount: | $2,000.00 | Status: | Loan created |
| Grade: | E | DTI: | 16% |
| Lender Rate: | 35% | Borrower: | sledgeJ |
| Finished | State: | OH | |
| Funded: | 100% | Group: | Debt Consolidation & Friends |
| Loan Information | |||||
|---|---|---|---|---|---|
| Loan Status: | Current | Origination Date: | 2008-07-09 | EricsCC ROI: | 33% |
| Status History | |
|---|---|
| Jul 09, 2008 | Current |
|
ABOUT ME: I am a federal employee of 12 years and currently a TSgt in the Air Force Reserves. I am a full time student at American Military University and I am in the process of obtaining my BA in Military Management with a concentration in Human Resources Management. I currently have a AAS in Human Resources Management from the Community College of the Air Force. EXPLANATION OF CREDIT: Why am I having issues with my credit report you ask? Unfortunately for me I can not obtain a conventional loan due to the ongoing dispute with creditors and credit reporting agencies, because of the merging of my brother and my credit files. This has been going on for some years now. My name and my brother?s name are the same except for our middle names and our social security numbers are the same except for the last two numbers. The good thing is we are four years apart and different birthdays, but it seems the credit agencies can not get it right yet. The reason I have a 4625.00 revolving credit is due to my government travel card, which shows on my credit report. My current revolving credit is 3000.00. My debt to income ratio is inaccurate due to inaccurate information on my credit report also( should be less then 14%). HERE ARE MY MONTHLY FINANCIAL DETAILS: Net income after payroll deductions from all sources: $ 3343.00 Saving: $ 0.00 Mortgage/Rent: $ 994.00 Phone(s): $ 50.00 Electricity: $ 75.00 Water: $ 0.00 Gas (house): $ 50.00 Credit Cards and interest rate: $ 75.00 (17%) Car Payment(s): $ 343.00 Insurance: $ 75.00 Gas (Car): $ 100.00 Food: $ 75.00 Cable/Sat/Internet: $ 0.00 Expenses for children: $ 200.00 Consumer Loans: $ 300.00 School Loans: $ 0.00 Payday Loans: $ 0.00 Medical: $ 0.00 Other expenses: $ 0.00 Total Monthly Expenses: $ 2412.00 Leaving me $ 931.00 a month. WHAT I WILL DO WITH THE MONEY LOANED TO ME: I will pay my high interest debt with the money. Meaning I will be paying one loan and one credit card. I was also involved in a auto accident yesterday and need some money to have my car repaired until the other party's insurance pays, so that I can get back and forth to work. This loan will also help establish repor with prosper members. |
| Borrower's Other Listings | |||||
|---|---|---|---|---|---|
| 224396 | Help Needed | HR | $20,000 @ 20% | Nov 01, 2007 | Withdrawn |
| 232178 | Help Needed | HR | $15,000 @ 23% | Nov 15, 2007 | Withdrawn |
| 232717 | Help Needed | HR | $15,000 @ 23% | Nov 16, 2007 | Expired |
| 239348 | A little help needed | HR | $5,000 @ 22% | Nov 28, 2007 | Expired |
| 330460 | Please Help Me | HR | $2,500 @ 30% | May 11, 2008 | Expired |
| 354098 | Consolidation | E | $2,500 @ 35% | Jun 20, 2008 | Expired |
| 359686 | Consolidation | E | $2,500 @ 35% | Jun 30, 2008 | Withdrawn |
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