Finish schooling and certification...

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Listing Information
Amount: $1,000.00 Status: Loan created
Grade: HR DTI: 2%
Lender Rate: 24% Borrower: MMitchell
Time Left: Finished State: TX
Funded: 100% Group: Starting Fresh
Loan Information
Loan Status: 4+ months late Origination Date: 2006-11-20 EricsCC ROI: -76%
Status History
Nov 22, 2006 Current
May 05, 2007 Late
May 10, 2007 Current
Sep 06, 2007 Late
Sep 21, 2007 1 month late
Oct 21, 2007 2 months late
Nov 23, 2007 3 months late
Dec 21, 2007 4+ months late
Feb 17, 2008 Payoff in progress
Feb 23, 2008 4+ months late
Mar 01, 2008 Current
Jul 09, 2008 Late
Jul 21, 2008 1 month late
Aug 21, 2008 2 months late
Sep 21, 2008 3 months late
Oct 21, 2008 4+ months late
I am asking for this loan to complete the rest of the certification and classes that I have not finished yet.  I work at National Tire & Battery selling parts and services, but my goal is to work as a mechanic in the shop.  In order to do that, I need to finish only a few certifications and classes.

I am fully able to repay this loan.  My income and budget is as follows:

MONTHLY INCOME: 2800
    RENT: 530
    BILLS/MISCELLANEOUS: 1270
AMOUNT LEFT OVER: 1000

The only reason my credit score is so low is because about a year ago, I agreed to help a friend who had bad credit by getting them a car under my name under the agreement that they would make the payments.  Well, we can all guess how that went.  I do have a credit card that I have paid off and use for emergency purposes only.  My credit score before I tried to help my friend was in the high 700s.  I don't like having debts and like to try to pay things off as soon as I can.  I am reliable and responsible, and you have my word on that.

Please help me finish my dream.  Thanks!

Michael [LAST NAME DELETED] 
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