Repairing Credit-DQ's Do Not Apply
| Listing Information | |||
|---|---|---|---|
| Amount: | $1,525.00 | Status: | Loan created |
| Grade: | HR | DTI: | 2% |
| Lender Rate: | 20% | Borrower: | daqui200 |
| Finished | State: | TX | |
| Funded: | 100% | Group: | BORROWERS - Free instant Listings - LARGEST GROUP |
| Loan Information | |||||
|---|---|---|---|---|---|
| Loan Status: | Current | Origination Date: | 2006-12-18 | EricsCC ROI: | 15% |
| Status History | |
|---|---|
| Dec 16, 2006 | Current |
|
About Me: My husband & I are in the process of buying a home and need down payment assistance. In 2000 I was laid off of my job and was off work for almost a year and the bills started backing up causing my credit to become poor. In 2000 I was not married so I had not other income besides unemployment and that did not last very long and was not enough to cover all of my exspenses. The majority of my DQ's are from 2000 & 2001 and are a result of my being laid off. We have a great employment history now, I've been on this job since 2001. Now that things are getting back on track we would like to buy a home. We were approved but will need to come up with the 5% for the down payment and closing costs. Our monthly income is $3820.00 after taxes and our breakdown of bills are: Bills Before Purchase: Rent $650.00 My car $250.00 His Car: Paid Car Insur-$133.00 Utilities-$270.00 (decreases during cooler seasons) Cable/Ph/Internet-$137.00 Groceries-$400.00 Water-$60.00 Misc.-$340.00-Gas, Entertainment Etc Total of monthly bills-$2240.00 I am currently working with a debt settlement company that helps you pay off your delinquent accounts. I will be putting aside $450.00 a month to go towards settling my DQ's. I have also listed the maximum interest rate that my state will allow. I am very sincere about repaying the loan to improve my credit score as well as settling my current debts to improve my score. Bills After Purchase: Mortgage $1155.00 My car $250.00 His Car: Paid Car Insur-$133.00 Utilities-$270.00 lights only (decreases during cooler seasons) Cable/Ph/Internet-$137.00 Groceries-$400.00 Water-$60.00 Misc.$340.00 includes gas, entertainment, clothing etc... differs monthly Debt Settlement-$450.00 Total of monthly bills-$3195.00 We will have $625.00 remaining to repay the loan. Thank you |
| Borrower's Other Listings | |||||
|---|---|---|---|---|---|
| 54869 | Home Down Payment | HR | $8,000 @ 24% | Oct 30, 2006 | Withdrawn |
| 55305 | Home Down Payment | HR | $10,000 @ 24% | Oct 31, 2006 | Withdrawn |
| 57894 | Rebuliding Credit | HR | $1,000 @ 18% | Nov 06, 2006 | Withdrawn |
| 59144 | Repairing Credit | HR | $1,000 @ 18% | Nov 08, 2006 | Withdrawn |
| 63128 | RELIST- Repairing Credit | HR | $1,500 @ 24% | Nov 17, 2006 | Withdrawn |
| 64795 | RELIST- Repairing Credit | HR | $1,500 @ 27% | Nov 21, 2006 | Expired |
| 66348 | Relist-Getting It Together | HR | $1,500 @ 27% | Nov 26, 2006 | Expired |
| 257890 | Paying For College | HR | $3,500 @ 8% | Dec 30, 2007 | Expired |
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