Working Hard to Improve Credit
| Listing Information | |||
|---|---|---|---|
| Amount: | $6,000.00 | Status: | Withdrawn |
| Grade: | HR | DTI: | 65% |
| Lender Rate: | 29% | Borrower: | sinha1126 |
| Finished | State: | TX | |
| Funded: | 0% | Group: | Sonic Lenders |
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Since graduating, I landed a full-time job as the ops manager for an investment brokerage (?IBOT?), also a part-time third key manager position with Bombay. After graduation, I had unexpected expenses (new tires for my car, engine work, and student loans entering into payment) which put me behind on cc payments. There are many inquiries on my credit report. The majority of those are due to trying to consolidate private student loans. Requesting: $6,000.00 Interest Rate: 29% Monthly Payment: $252.00 Purpose of Loan: Pay off two highest interest cards and reduce monthly payments Capital One MC: $300 @28.99%, $5,590.79 Chase MC: $50 @29.99%, $414.20 Budget: Yearly Income: IBOT - $35,000 Bombay - $9,000 Monthly Net Take-home: $2,700.00 Current Expenses: Rent: $500 Utilities: $300 Car Loan: $320 Student Loans: $90, $120, $450 Credit Card Payments: Capital One MC: $50 @20.80% APR, $492.89 balance Capital One MC: $300 @28.99%, $5,590.79 Chase MC: $50 @29.99%, $414.20 World Financial: $50 @22.8%, $720.48 CitiBank: $100 @24.8%, $780.58 Food/Gas/etc: $250 Savings/?emergency?: $70 Monthly Expenses v Remaining: $2,650/$50 Expenses w/ Prosper Loan: Rent: $500 Utilities: $300 Car Loan: $320 Student Loans: $90, $120, $450 Credit Card Payments: Capital One MC: $50 @20.80% APR, $492.89 balance World Financial: $50 @22.8%, $720.48 CitiBank: $100 @24.8%, $780.58 Food/Gas/etc: $250 Savings/?emergency?: $70 Monthly Expenses v Remaining: $2,482/$218 Other Items of Note: I have a student loan coming into payment in December with a payment for ~$150 at which time, I have also been promised a raise at IBOT. Thank you for your consideration, Shilpi |
| Borrower's Other Listings | |||||
|---|---|---|---|---|---|
| 32272 | Recent college grad trying to manage student loan debt | HR | $7,500 @ 26% | Aug 18, 2006 | Expired |
| 34056 | College graduate trying to manage debt | HR | $6,000 @ 29% | Aug 25, 2006 | Withdrawn |
| 34743 | Recent college grad trying to manage debt to improve credit | HR | $7,000 @ 29% | Aug 28, 2006 | Withdrawn |
| 34755 | Recent college grad trying to manage debt to improve credit | HR | $7,000 @ 29% | Aug 28, 2006 | Withdrawn |
| 37210 | Working Hard to Improve Credit | HR | $6,000 @ 29% | Sep 06, 2006 | Loan created |
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