Relist. Credit score up. 73% funded last list-need 100%!
| Listing Information | |||
|---|---|---|---|
| Amount: | $3,000.00 | Status: | Loan created |
| Grade: | E | DTI: | 2% |
| Lender Rate: | 30% | Borrower: | dmonty123 |
| Finished | State: | MN | |
| Funded: | 100% | Group: | Skyy Financial |
| Loan Information | |||||
|---|---|---|---|---|---|
| Loan Status: | Paid | Origination Date: | 2008-09-23 | EricsCC ROI: | 29% |
| Status History | |
|---|---|
| Sep 20, 2008 | Current |
| Nov 18, 2008 | Payoff in progress |
| Nov 22, 2008 | Paid |
|
Thank you so much for all the lenders that bid on my last listing. 73% funded last time. Let's get 100% this time. My credit report has not yet been updated. I had a Chapter 13 bankruptcy January 2006 and had a windfall recently and was able to pay all Chapter 13 creditors 100% of the debt I owed them - not pennies on the dollar like many debtors. Our credt level has improved by one grade and once the figures get cleared up as paid I'm sure it will improve yet again. I have the report from the National Data Center showing the list of creditors and the ledger showing we have now paid them in full so this delinquent debt will be $0 soon. The number of delinquencies look large because the medical bills were all separate (i.e. meds, room, doctor, Anesthesiologist etc. The discharge is in the works. I can provide copies of everything if needed. We will make our monthly payments on this loan direct deposit from our checking account. Purpose of loan: We will be using the proceeds of this loan to pay high interest credit cards, and vet bills for our Shih-tzu who became blind due to Glacoma. This will dramatically improve the low credit score that was caused by many factors, many of which are listed below. My financial situation: We got behind and had to file Chapter 13 bankruptcy January 2006 when my wife lost her job and I was laid off for 2 months. Much of the debt was medical bills from hospital stay in 2005 . My current existing income will facilitate payment of our current debt plus the Prosper Loan and still be able to put money away for a nest egg. We would take a priorty one approach in payment on this loan as we want to have a good rapport with Prosper members. Eventually it would be nice to be able to help others that have been down on their luck. We are good people. We had a bad string of luck. We want to get back on our feet, and improve our credit rating. We hope this loan will get funded. Thank you for looking at our listing. We will NOT default on this loan. We want to borrow and lend with Prosper and have a good reputation on Prosper. The delinquencies seen here are not correct. We had arrears in mortgage and collection medical bills but we just paid them off completely with a Chapter 13 Bankruptcy where we paid creditors 100% of the money we owed - not pennies on the dollar like most people. Monthly net income: $ 5000 Monthly expenses: Housing: $ 1500 Insurance: $ 150 Car expenses: $ 650 Utilities: $ 300 Phone, cable, internet: $ 400 Food, entertainment: $ 600 Clothing, household expenses $ 300 Credit cards and other loans: $ 400 Prosper Loan: $ 135.71 |
| Borrower's Other Listings | |||||
|---|---|---|---|---|---|
| 195159 | Our Family Needs Your Help Urgently To Save Our Home! | HR | $12,000 @ 17% | Aug 30, 2007 | Expired |
| 198430 | OUR 2ND LISTING - TIME IS RUNNING OUT - WE NEED YOUR HELP! | HR | $12,500 @ 29% | Sep 06, 2007 | Withdrawn |
| 200287 | Good family needs to payoff old debt - Make a fresh start! | HR | $10,000 @ 28% | Sep 11, 2007 | Expired |
| 204776 | Relist: Bid on our listing! Good family needs a fresh start | HR | $4,950 @ 29% | Sep 21, 2007 | Expired |
| 208142 | Relist: Bid on our listing! Good family needs a fresh start | HR | $4,950 @ 29% | Sep 28, 2007 | Expired |
| 372186 | Bid on our listing! Good family looking to consolidate! | E | $3,000 @ 35% | Jul 23, 2008 | Expired |
| 383074 | Our credit grade has increased. Please bid on our listing. | E | $3,000 @ 35% | Aug 15, 2008 | Expired |
| 386635 | Relist. Credit score improved. Please bid on my listing. | E | $3,000 @ 35% | Aug 22, 2008 | Expired |
| 390400 | Relist. Credit score improved. Please bid on my listing. | E | $3,000 @ 35% | Aug 29, 2008 | Expired |
| 393645 | Relist. Credit score up. 48% funded last list-need 100%! | E | $3,000 @ 35% | Sep 05, 2008 | Expired |
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