School Educator Needs a Fresh Start
| Listing Information | |||
|---|---|---|---|
| Amount: | $1,000.00 | Status: | Withdrawn |
| Grade: | HR | DTI: | 33% |
| Lender Rate: | 15% | Borrower: | believe-in-miracles |
| Finished | State: | NY | |
| Funded: | 15% | Group: | FinancialAssistanceNetwork |
|
Hi, I am re-listing for the 6th time due to my GL?s suggestion. Last
month I went from an E rating to a HR. Although I don?t agree, it still
doesn?t change the fact that I am trustworthy and can pay this loan
back. About me: I have spent the last seven years working in the education field. Currently, I am a NYC special education assistant teacher. I have recently received a raise and expect my salary to increase significantly in January to about $33K due to our current contract. I am also a mother to 3 teenagers. Purpose of the loan: I would like to pay last month?s car note ($350) to make my car payment current ? leaving only 2 more payments before its paid in full. I would also pay in full a payday loan ($355 principal & interest) I needed back in September when I had unexpected car repairs. The remaining amount would be used to pay for brake maintenance and tire replacement. Paying off this loan will: 1. Improve my credit rating ? NO MORE DQ?S 2. Prosper would be another positive trade line to my credit reports. I have 1 recent DQ. My car note is about 15 days behind ? not 30 days as my report implies. Prior to this past summer, my payments for this loan were impeccable & I never missed a payment. I have 3 more payments left on a 66-month loan. With a prosper loan, not only can I bring this account current, but also I will get rid off the current DQ and improve my rating. Despite my past, I consider myself a good risk, which is why I am requesting the minimum loan amount so that I can demonstrate that I can pay this loan back. Income/Expenses $2229 Net Rent 515 Food 400 Car note 330 Car insurance 200 Cable/Internet 175 Credit Cards/Loan 100 Laundry 80 Cell phones 75 Life ins. 56 Gas/Transportation 60 Telephone 30 Total $2021 Total with Prosper loan $2056 Without car note: $1691 Effective January 2007 the car will be paid off Available to repay Prosper $538 Repayment Plan: $35 a month until I receive my salary increase & tax refund ? Jan/Feb ?07. I will then pay it in full. Contact me with any questions at [EMAIL DELETED] Thanks for viewing my listing and bidding |
| Borrower's Other Listings | |||||
|---|---|---|---|---|---|
| 46904 | Getting Out of the Payday Loan Trap | E | $1,900 @ 15% | Oct 11, 2006 | Withdrawn |
| 48149 | Getting out of the Payday Loan Trap | E | $1,900 @ 15% | Oct 13, 2006 | Withdrawn |
| 49155 | Paying off some loans | E | $1,450 @ 15% | Oct 17, 2006 | Withdrawn |
| 51332 | Consolidating Debt & Securing My Family's Future - RELIST | E | $1,000 @ 15% | Oct 21, 2006 | Expired |
| 56032 | Consolidating Debt & Improving Credit Rating | HR | $1,000 @ 15% | Nov 02, 2006 | Withdrawn |
| 63036 | School Educator Needs a Second Chance to Rebuild Credit | HR | $1,000 @ 13% | Nov 17, 2006 | Withdrawn |
| 66229 | Rebuilding Credit & Securing My Family's Future | HR | $1,000 @ 13% | Nov 25, 2006 | Loan created |
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