FRESH START with NO Fees
| Listing Information | |||
|---|---|---|---|
| Amount: | $2,500.00 | Status: | Loan created |
| Grade: | HR | DTI: | 24% |
| Lender Rate: | 20% | Borrower: | HowsUrLips |
| Finished | State: | WA | |
| Funded: | 100% | Group: | BORROWERS - Free instant Listings - LARGEST GROUP |
| Loan Information | |||||
|---|---|---|---|---|---|
| Loan Status: | 4+ months late | Origination Date: | 2006-12-12 | EricsCC ROI: | -20% |
| Status History | |
|---|---|
| Dec 12, 2006 | Current |
| Mar 29, 2007 | Late |
| Apr 13, 2007 | 1 month late |
| May 13, 2007 | 2 months late |
| Jun 13, 2007 | 3 months late |
| Jul 13, 2007 | 4+ months late |
|
ABOUT ME:
I am 44 years old. I have 2 children, ages 9 and 6. I have been in the
mortgage business for 14 years. I am currently working at Prestige Home
Mortgage, where I have been for 2+ years. EXPLANATION OF BAD CREDIT: I have been a very responsible person but 5 years ago my credit has slipped to HR because of my divorce and had to file bankruptcy. I have 4 public records which one is a duplicate, so there should only be 3. One being my bankruptcy, two is a small paid medical account and the last thing is a judgment which is in repayment now. Since that time things have started to improve. I am asking for a chance to prove myself and get my credit scores back up to where they should be. If you bid on my listing I will NOT let you down. Making my payments on time will be my top priority each month, and will be set up on automatic withdrawal to assure fast payment to Prosper. WHAT I WILL DO WITH THE MONEY LOANED TO ME: The money will pay off all my pay day loans. This will eliminate $1,200.20 each month. And will leave me more then enough to pay back my Prosper loan. HERE ARE MY MONTHLY FINANCIAL DETAILS: Income each month: $3,376, which does not include my monthly bonuses, which average $675 to $900 per month in additional income. Rent: $1,000 Utilities: $390.59 (water, trash, electric, gas) Car Loan and Insurance: $ 517 Food: $250 Cable/Internet: $115Cell Phone: $65 Clothing, expenses for kids: $200 Credit cards and loans that won't be paid off with my Prosper loan: $572.63Public record agreement: $200 Other: $1,200.30 (fees each month from pay day loans. This will go away with my Prosper loan) *Total Monthly Expenses: $4,510.52* Budget AFTER Prosper Loan: Prosper loan: $98.08Rent $1,000 Utilities $390.59 (water, gas, electric, trash) Car loan & Insurance: $517 Food: $250 Cable/Internet: $115 Cell phone: $65 Clothing, expenses for kids: $200 Credit cards and loans that won?t be paid off with my Prosper loan: $572.63 Public record agreement: $200 *Total out put each month $3,408.30 I will have $1,102.22 left after making all my payments including my Prosper loan. And still have enough in case of emergencies. CLOSING REMARKS TO LENDERS: As you can see, I am in a place where with just a bit of help to pay off these pay day loans I can get back what I want and use to have, which is good credit. I really hope that you as lenders can see that and help support me with my request. And my prosper loan will be my top Priority! |
| Borrower's Other Listings | |||||
|---|---|---|---|---|---|
| 51801 | Debt Consolidation | HR | $5,000 @ 19% | Oct 23, 2006 | Withdrawn |
| 53023 | New_Dreams | HR | $5,000 @ 23% | Oct 25, 2006 | Withdrawn |
| 53379 | New_Dreams | HR | $5,000 @ 21% | Oct 25, 2006 | Expired |
| 58117 | Lifestyle Change - VETTED | HR | $5,000 @ 22% | Nov 06, 2006 | Withdrawn |
| 61678 | Get Rid of Crippling Fees - VETTED | HR | $2,500 @ 24% | Nov 14, 2006 | Expired |
| 66152 | GOOD BYE FEES | HR | $2,500 @ 22% | Nov 25, 2006 | Withdrawn |
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