Plz help to eliminate CC debt, up score & get back on track
| Listing Information |
| Amount: | $8,000.00 |
Status: | Withdrawn |
| Grade: | E |
DTI: | 15% |
| Lender Rate: | 7% |
Borrower: |
luv2garden
|
| Time Left: | Finished |
State: | OH |
| Funded: | 0% |
Group: |
(No Group) |
|
Hi. I am requesting this loan because I desperately need to consolidate my bills. I've been employed for over five years with the same federal government agency and have picked up two other part time jobs. I?ve made mistakes in the past, basically buying too many things, as well as things that I didn?t need. I got myself back on track and purchased my first house last year. I didn?t realize how much up keep there was to owning a house. There always seems to be something breaking or shorting out, not to mention the outrageous gas bills. Oh, and my car has had to have around $5,000 put into it over the past 2 years. So needless to say, my credit card bills have gotten way too high and you know the higher they are, the more the credit card company increases your interest rate, making hard for you to just pay the minimum. My credit score has gone down as I have been trying to find a company that would give me a loan or a home equity loan. My credit card interest rates are just too high. I?m making payments, but getting no where. I?m working around 80 hours a week to make sure I don?t fall behind, but that is starting to wear me out. I came across this site and I?m hoping it will end up being the answer to my prayers. I know that you all would be taking a chance on me, but I won?t let you down. I?m 29 years old and it is time to get my life together and get rid of my debt. I still plan on working the 3 jobs, but if all will give me the chance by supporting me on this, I?d like to cut it down to 70 hours. Prosper will only let me put 7% as a max because I live in Ohio. Basically, I took 3 of my cards, the balance and what I pay a month: Balance = $8,000 Monthly Pmt = $265 With an $8,000 at 7%, the monthly payment would be $247.02. I would save $18 a month and at the same time, be getting rid of my debt and increasing my credit score, instead of going no where if I were to be paying the credit card companies. My car will also be paid off in March 2007, so that will be an extra $400 a month for me to use to either pay this loan off early or pay off my other cards. Thank you for your consideration. Hopefully, you will give me a chance. I promise, as God is my witness, I WON?T let you down, nor be late with my payments. |
| Borrower's Other Listings |
| 37447 |
Need loan to eliminate high CC debt |
E |
$8,000 @ 7% |
Sep 07, 2006 |
Expired |
| 148636 |
Need to Make Home Repairs & Consolidate High Interest CCs |
E |
$9,900 @ 21% |
Jun 07, 2007 |
Expired |
| 154886 |
Consolidate High Interest Credit Cards - Relist - Vetted |
E |
$7,650 @ 19% |
Jun 19, 2007 |
Loan created |
| 270816 |
Second Prosper loan to pay off existing Prosper loan |
C |
$6,500 @ 12% |
Jan 24, 2008 |
Expired |
|
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