Established Borrower-consolidate, second loan
| Listing Information | |||
|---|---|---|---|
| Amount: | $5,600.00 | Status: | Expired |
| Grade: | C | DTI: | 30% |
| Lender Rate: | 21% | Borrower: | Elksecho |
| Finished | State: | ID | |
| Funded: | 9% | Group: | (No Group) |
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First of all, thank you for taking time to read this and consider my loan. Purpose of loan: This loan will be used to consolidate a personal loan, and my car payment giving me one reduced payment and less interest. Why I'm a good candidate: I've established my payment history here on Prosper and I believe made it clear that I am serious about paying my bills on time I'm not sure why my credit grade went down, my financial situation has greatly improved since I took my first loan with Prosper! My financial situation: I have always been diligent at paying my bills on time. I don't like to use credit, however, my wife recently went through a battle with cancer (successfully winning!), but it put a strain on our finances while she and I were off work. That is the sole reason we have any and all bad reports on our credit history. We are working towards a debt free 3 year plan with an additional savings plan to cover 3 months bills in case of an emergency. Monthly Net Income: $5500 My wife and I both work full-time and have stable government jobs we have been at for 11+ years. We have both been back to work for well over a year since the cancer. My wife is healthy, feeling good, and I believe will stay that way! Monthly expenses: $4792 Housing: $1352 (own my home) Car: $250 (to be paid with Prosper Loan) Insurance: $365 Prosper Loan $399 Orthodontist: $86 Utilities: $325 Phone & Internet: $125 College Fees: $490 Food & Staples: $500 Auto Gas: $450 Personal Loan: $350 (to be paid with Prosper Loan) Credit Cards $100 With new loan combine: $350, 250 = $600 into one payment of approximately $195. In closing: With a new Prosper Loan I can combine this debt into one manageable monthly payment. It will fit better in my budget and allow me to expedite my 3-year plan to pay off my debt and have at least a 3 month reserve for emergencies. Once again, I thank you for considering my loan, and feel free to ask any questions you may have. |
| Borrower's Other Listings | |||||
|---|---|---|---|---|---|
| 223144 | Consolidate Debt after Medical Crisis | B | $11,200 @ 17% | Oct 30, 2007 | Loan created |
| 383086 | Consolidate Debt after Medical Crisis | C | $15,300 @ 17% | Aug 14, 2008 | Withdrawn |
| 383094 | Second Prosper Consolidation of Debt after Medical Crisis | C | $15,300 @ 17% | Aug 14, 2008 | Withdrawn |
| 385507 | Established Prosper Borrower/Second Re-consolidation | C | $12,500 @ 22% | Aug 20, 2008 | Withdrawn |
| 385978 | Established Borrower-Consolodate after Medical Crisis | C | $15,500 @ 21% | Aug 20, 2008 | Withdrawn |
| 387345 | Established Borrower-consolidate, second loan | C | $5,500 @ 15% | Aug 23, 2008 | Withdrawn |
| 391587 | Established Borrower-consolidate, second loan | C | $6,999 @ 30% | Sep 02, 2008 | Expired |
| 395144 | 2nd loan-never late! Cleaning up after Medical Crisis | C | $6,200 @ 32% | Sep 09, 2008 | Withdrawn |
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