Re-listing - Just Married - Consolidating Debts
| Listing Information | |||
|---|---|---|---|
| Amount: | $12,500.00 | Status: | Loan created |
| Grade: | E | DTI: | 45% |
| Lender Rate: | 22% | Borrower: | FDRivera |
| Finished | State: | TX | |
| Funded: | 100% | Group: | Texas Excellence |
| Loan Information | |||||
|---|---|---|---|---|---|
| Loan Status: | 1 month late | Origination Date: | 2006-12-19 | EricsCC ROI: | -12% |
| Status History | |
|---|---|
| Dec 18, 2006 | Current |
| Nov 04, 2008 | Late |
| Nov 20, 2008 | 1 month late |
|
This is a re-list! Thanks for all who bidded on my previous listing. This one may be more to everyone's liking! ABOUT ME Just married. Need to consolidate bills & reduce payments. Making credit progress. Raised score by 70+ pts this yr. PLAN Doing debt management for revolving debts. Reduced payments by 350/mo. Prosper loan for 3 years to pay off finance company and taxes. 2000 applied to car repair (recent accident) & immigration fees (Wife an employed engineer, need to pay 1500-2000 residency paperwork). 5500 applied to finance companies. 5000 - tax installment/401k loan. Tax refund expected on Apr 15 - apply to home buy. Prosper will save me $300/mo. for new home in 9-12 months! INCOME Salary 71,000 gross (51,600 net) 4,300 per mo. net Net income - expenses/debts = 830 EXPENSES Rent $489 Debt Mgmt $844 Insurance $155 Car $597 Cell, internet, elec. $200 Food, Gas, Ent. $500 DEBTS Finance Co. 435 Bal. APR Pay. World Finance 600 82.7% 85 Convington Credit 500 44% 75 Worth Fin. 1200 79.99% 121 Regional Fin. 1500 31% 150 401k 100 (used to pay down other debts) Tax 200/mo. (Employer did not do withholdings correctly. Large tax bill. Making installments.) NEGATIVE ITEMS TransUnion Credit Report on a positive trend. Two 30 days late items for Apr/ May 2005 - my error. Overlooked an internet payment. Corrected this and paid more than the minimum. LINKS http://forums.prosper.com/index.php?showtopic=13737 (forum listing). http://www.texasprosperers.com/vetting/.../FDRiveravetting.html (vetting). |
| Borrower's Other Listings | |||||
|---|---|---|---|---|---|
| 52078 | Starting a new life | E | $25,000 @ 9% | Oct 23, 2006 | Withdrawn |
| 52650 | Off to a fresh start | E | $10,000 @ 20% | Oct 24, 2006 | Withdrawn |
| 52928 | Getting on track | E | $11,000 @ 25% | Oct 25, 2006 | Withdrawn |
| 53151 | Getting Married/Want to Consolidate Higher Rates | E | $11,500 @ 25% | Oct 25, 2006 | Withdrawn |
| 64173 | Just Married - Looking to Consolidate | E | $15,000 @ 24% | Nov 20, 2006 | Expired |
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