RELIST: Back to Basics.......
| Listing Information | |||
|---|---|---|---|
| Amount: | $1,800.00 | Status: | Loan created |
| Grade: | HR | DTI: | 39% |
| Lender Rate: | 22% | Borrower: | horizon04 |
| Finished | State: | TX | |
| Funded: | 100% | Group: | BORROWERS - Free instant Listings - LARGEST GROUP |
| Loan Information | |||||
|---|---|---|---|---|---|
| Loan Status: | 4+ months late | Origination Date: | 2006-12-15 | EricsCC ROI: | -26% |
| Status History | |
|---|---|
| Dec 16, 2006 | Current |
| Sep 30, 2007 | Late |
| Oct 17, 2007 | 1 month late |
| Nov 23, 2007 | 2 months late |
| Dec 16, 2007 | 3 months late |
| Jan 16, 2008 | 4+ months late |
|
"Nothing is predestined: The obstacles of your past can become the gateways that lead to new beginnings" -Ralph Blum INTRO: Hello, my name is Melissa. I am 34 years, I?m married and we have a14 year old son, who I truly adore, as most mothers do. I am a Ioan processor for a mortgage company and I like to think that I?m an expert in my field of work. I've been with the same company for almost 3 years. I?m very reliable and dedicated to my employer. CREDIT: Unfortunately I?ve made some bad choices as far as credit is concerned. I took solace in PAY DAY LOANS when I was short on cash. I have 2 that have been haunting me for the past 9 months. At $300 per pay period ($600 per month), I am not able to keep up with my other obligations that are critical to my credit. My debt ratio appears high because I have some medical collections that are at least 3 years old- I was under insured at the time and some expenses were my responsibility, which I did not plan for.The amounts due and past due amounts are continually reporting. I have been disputing some and I hope to settle others when I am finacially able to. USE OF LOAN PROCEEDS: The proceeds from this loan request would go to pay off these pay day loans so I can sleep at night. Getting rid of these would help my finacial situation tremendously. POSITIVE OUTLOOK: I do have 2 installment loans that have never been late. One is over 3 years old- an auto that will be paid off soon and then another auto that is only 6 months old. My past dealings have made me much aware of the importance of credit and credibility. I look to the future to not make the same mistakes that put me into this situation. Please consider my request??. I VOW TO NEVER TAKE OUT A PAY DAY LOAN AGAIN??.. I would have enough income to maintain my current obligations and pay back Prosper if I can pay off these pay day loans. I want to prove that I'm looking to "new beginnings". Sincerely, Melissa. CURRENT EXPENSES: $600 Pay Day Loans 385 Chase 433 National 85 Student loans 30 Premier Bank 450 travel (I drive 150miles round trip Mon-Fri), maintenance 300 groceries $217 left for unexpected expenses: Paying off the payday loans would allow me to stay current on my monthly obligations and also allow me to start paying off my collections. I would have approximately $600 left per month after the pay day loans are cleared and the new Prosper loan is added to my debt. |
| Borrower's Other Listings | |||||
|---|---|---|---|---|---|
| 47915 | paying off unreported debt | HR | $3,000 @ 18% | Oct 13, 2006 | Withdrawn |
| 49353 | taking care of outrageous obligation | HR | $2,800 @ 24% | Oct 17, 2006 | Expired |
| 52588 | Needing assistance to start over | HR | $2,500 @ 27% | Oct 24, 2006 | Withdrawn |
| 54836 | Trying to Re-establish credit | HR | $2,500 @ 29% | Oct 30, 2006 | Expired |
| 59321 | Hopes to Re-establish Credit | HR | $1,800 @ 29% | Nov 09, 2006 | Withdrawn |
| 63574 | "Nothing is Predestined....." | HR | $3,000 @ 27% | Nov 18, 2006 | Expired |
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