Relist 4 Lower - I want to consolidate bills and fix my car
| Listing Information | |||
|---|---|---|---|
| Amount: | $6,900.00 | Status: | Withdrawn |
| Grade: | C | DTI: | 33% |
| Lender Rate: | 35% | Borrower: | Remember-The-Rain |
| Finished | State: | CA | |
| Funded: | 2% | Group: | 435 Supporting Lenders - Get FUNDED @ LOWER % than ANY group |
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Purpose of loan: This loan will be used to pay off a stock loan ($6000 balance), my current Prosper loan, which has never been delinquent and has monthly payments of $157(remaining balance $1559), and have some necessary work done on my vehicle. Once my stock loan is paid, I will take out another stock loan, in the amount of $13,000. I will use this stock loan to pay a large chunk of my new Prosper loan and pay-off ALL of my creditors (I have never been late, on any of these accounts), so as to lower my DTI. My financial situation: I am a good candidate for this loan because I am an extremely responsible person who experienced some hard times. My credit score is "ok" and will improve, with the elimination of my debt. I have been employed, with the same company full-time, for the past 15 years. It is a Fortune 500 company that has been in business for over 100 hundred years and continues to grow. In 2001 I encountered a huge financial hardship when my dad passed away and I exhausted all resources, to help my mom keep her home (hence the public record in 2002). Prior to that, all of my bills were paid on time (I had more bills and less income back then). All of my bills are current and I don?t have a problem paying my bills. I would just like the opportunity to pay them off sooner, by taking a second loan, with Prosper. I make a decent amount of money, and would love to put that money to good use (pay-off bills faster, invest more into my company?s 401K, improve my credit rating, reinvest in Prosper, and start looking for a home {I pay a quite a bit in taxes every payday but don?t get much back because I have no dependents and can?t write anything off})**. A new loan through Prosper will help me to have all debt paid off within 3 years. **In 2007 I paid $28,000, in taxes (regular ol' bi-weekly deductions) and got a refund of $400 (that's not right). We are going into the 8th month of the year and I have already paid $20,000, in taxes. With my debt pretty much eliminated, I will be able to focus on purchasing a home. My financial plan: I'm actively working to pay off my debts and proud to report that I have one loan (orig. loan $13,000 through my credit union) that will be paid-off soon. The remaining balance is $380. I have roughly 11500 of debt all of which will be paid-off, if I get the second Prosper loan. I am also expecting a $5000 (minimum) bonus, in December, from a special project that I have been working on. I will use a portion of this bonus to pay down my loan balance, with Prosper. Can't get new loan through my credit union due to DTI. Monthly net income: $ 3200 Monthly expenses: $ Housing: 0.00 $ Insurance: 110 $ Car expenses: 650 (includes fuel) $ Utilities: 230 $ Phone, cable, internet (includes both my cell & my mother?s cell): 300 $ Food, entertainment: 150 $ Clothing, household expenses: 0.00 $ Credit cards and other loans: 886 $ IRS: 300 After Prosper Funding: Monthly expenses: $ Housing: 0.00 $ Insurance: 110 $ Car expenses: 650 (includes fuel) $ Utilities: 230 $ Phone, cable, internet (includes both my cell & my mother?s cell): 300 $ Food, entertainment: 150 $ Clothing, household expenses: 0.00 $ Credit cards and other loans (INCLUDING NEW PROSPER LOAN): 410 $ IRS: 300 Thank you for taking the time to consider my request. |
| Borrower's Other Listings | |||||
|---|---|---|---|---|---|
| 15725 | I ONLY NEED THE MONEY FOR 3 MOS ...LOAN W/B PIF BY SEPT 06 | D | $4,000 @ 24% | May 25, 2006 | Expired |
| 17734 | I ONLY NEED THE MONEY FOR 3 MOS...LOAN W/B PIF BY SEPT 06 | C | $4,000 @ 24% | Jun 04, 2006 | Loan created |
| 366840 | IN A BAD SITUATION FOR ALL THE RIGHT REASONS.... | C | $9,000 @ 35% | Jul 14, 2008 | Withdrawn |
| 367064 | IN A BAD SITUATION FOR ALL THE RIGHT REASONS.... | C | $9,000 @ 35% | Jul 14, 2008 | Expired |
| 371052 | RELIST 4 LOWER AMOUNT - BAD SITUATION 4 THE RIGHT REASONS... | C | $7,500 @ 25% | Jul 21, 2008 | Withdrawn |
| 371476 | RELIST: I WANT 2 ELIMINATE MOST OF MY DEBT W/ A PROSPER LOAN | C | $7,500 @ 35% | Jul 22, 2008 | Expired |
| 375141 | Relist 4 Lower Amount - Just need a little help... | C | $7,000 @ 35% | Jul 29, 2008 | Withdrawn |
| 375408 | Relist 4 Lower - I want to consolidate bills and fix my car | C | $6,900 @ 35% | Jul 30, 2008 | Withdrawn |
| 377859 | Relist for much Lower - Car repairs & payoff a few bills | C | $5,900 @ 35% | Aug 04, 2008 | Loan created |
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