Getting rid of pay day loan and paying off 2 Credit Cards!
| Listing Information | |||
|---|---|---|---|
| Amount: | $2,500.00 | Status: | Loan created |
| Grade: | C | DTI: | 14% |
| Lender Rate: | 27% | Borrower: | eagle89 |
| Finished | State: | AR | |
| Funded: | 100% | Group: | (No Group) |
| Loan Information | |||||
|---|---|---|---|---|---|
| Loan Status: | Current | Origination Date: | 2008-09-24 | EricsCC ROI: | 26% |
| Status History | |
|---|---|
| Sep 24, 2008 | Current |
|
Purpose of loan: This loan will be used to?pay off a high interest pay day loan and pay off 2 credit cards. My last listing was not funded and I have reduce the amount in hopes of getting a chance to prove myself. I have never been late on or had to ask for an extension on a payment. I have been working to get all of my credit accounts current and have been in repayment plans with my creditors. This has helped improve my Prosper score from HR to C. I can use the payments that have been going to the pay day loan and the 2 CC to pay the Prosper loan. There will be no chance of falling into a trap of using these CC because they are paid - the accounts have been closed. I have learned my limits! I will still have some CC to pay but this loan will provide a better balance of my finances and improve my credit grade for the future. After paying off the Prosper loan (hopefully early) and proving myself to you, I would like to get another Prosper loan to pay the remaining accounts if I have not paid them in full at that time. I am a good candidate for this loan because?I have a great job with very good income and have been working hard to get on better financial ground. I realize that I have made mistakes in the past and I am working to correct them. I want to help further improve my credit grade with this loan. I hope that you will give me the chance to prove myself. Please let me know if you have any questions.Monthly payments: Balances: Pay day loan: $200 Pay day loan: $ 500 2 credit cards: $100 2 credit cards: $2000 Total: $300 Total: $2500 Prosper payment: $113 (max) Monthly net income: $ 5180 Monthly expenses: $ 4771 Housing: $ 1216 Insurance: $ 155 Car expenses: $ 900 Utilities: $ 450 Phone, cable, internet: $ 350 Food, entertainment: $ 500 Clothing, household expenses $ 100 Credit cards and other loans: $ 900 ($100 will be replaced by Prosper) Pay day loan : $ 200 |
| Borrower's Other Listings | |||||
|---|---|---|---|---|---|
| 373591 | paying off bills | HR | $5,000 @ 35% | Jul 26, 2008 | Withdrawn |
| 374016 | Getting House Payment Current! | HR | $2,500 @ 35% | Jul 27, 2008 | Expired |
| 377374 | Consolidating loans | HR | $1,500 @ 35% | Aug 03, 2008 | Expired |
| 381735 | Consolidating loans | HR | $1,250 @ 35% | Aug 12, 2008 | Expired |
| 385383 | Consolidating loans | HR | $1,000 @ 35% | Aug 19, 2008 | Expired |
| 389008 | Paying off high interest pay day loan!!! | C | $1,500 @ 21% | Aug 27, 2008 | Expired |
| 392432 | Getting rid of pay day loan and paying off creditors!!! | C | $7,500 @ 35% | Sep 03, 2008 | Expired |
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