Raising my Credit Score
| Listing Information | |||
|---|---|---|---|
| Amount: | $3,000.00 | Status: | Loan created |
| Grade: | B | DTI: | 11% |
| Lender Rate: | 13% | Borrower: | RTPCorporation |
| Finished | State: | CA | |
| Funded: | 100% | Group: | (No Group) |
| Loan Information | |||||
|---|---|---|---|---|---|
| Loan Status: | Current | Origination Date: | 2010-10-07 | EricsCC ROI: | 8% |
| Status History | |
|---|---|
| Oct 13, 2010 | Current |
|
Purpose of loan: This loan will be used to raise my credit score! Other than the couple credit cards I currently use, I do not have any other loans showing on my FICA credit report so I want to mix it up a little bit and show that I'm responsible in all the loans I take out! I'm hoping this will raise my credit rating over the 3 years which in return will give me a little better rate when I'm in the market for a house or a loan for a business! With the $3000 I will most likely invest about $2000 back into Prosper and use the other $1000 for everyday purchases or keep it in savings account until I find a better investment for it . I've never been late on a payment in my life, nor do I spend more then I can afford so you can guarantee payment each and every month for the length of the loan! In a nutshell, you can say I'm a "perfectionist", and am looking to make credit as perfect as it can be! My financial situation: I am a good candidate for this loan because I really don't need this loan as I have well over $20k in stocks, $5k on hand, and over $50k in other liquid investments including a restaurant! In addition to a family business I work for, I have been employed at a Fortune 500 company for the last four and half years working part-time mostly for the benefits. I have been a proud lender on Prosper for the last three years and still currently have about $500 invested in Prosper! Monthly net income: $ 2500 Monthly expenses: $ 500...I really don't have any major expenses other then food,gas, and entertainment, as I still live with my parents and everything else is paid off! So as you can see, I really don't need this loan as I'm very financially stable,never missed a payment, and don't have any major expenses, but I am very very eager to raise the "B" credit score. If there is anything else you want to know please don't hesitate to ask! Thank You for visiting and Good Luck! |
| Borrower's Other Listings | |||||
|---|---|---|---|---|---|
| 475903 | Reinvesting back in Prosper | D | $5,000 @ 23% | Sep 17, 2010 | Withdrawn |
| 507020 | My personal loan for my business | E | $4,500 @ 31% | May 22, 2011 | Loan created |
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