Wish I Knew Then What I Know Now
Click Here to view this listing on Prosper
|Funded:||100%||Group:||High Risks that should not be|
|Loan Status:||Default||Origination Date:||2006-12-26||EricsCC ROI:||-82%|
|Dec 24, 2006||Current|
|May 11, 2007||Late|
|May 27, 2007||1 month late|
|Jun 28, 2007||2 months late|
|Jul 27, 2007||3 months late|
|Aug 28, 2007||4+ months late|
|Dec 28, 2007||Default|
* COMMENT: REPLACEMENT LISTING from the second one because it inadvertently got set up with automatic funding.
ABOUT ME: My name is Donna and I am 31 years old. I am a single mother and have an 8 year old son who is the pride of my life. I have been with my current employer for 2 ½ years and with my previous employer for 3 ½ years. I have lived in the same apt. for 4 years and have been able to maintain a loving and comfortable living environment for myself and my son.
WHAT I WILL DO WITH THE MONEY LOANED TO ME: The loan amount that I am asking for will help me to clear some of my previous debts and will help to improve my credit score. I have agreements with my previous creditors so that I can pay a settled amount to have them remove the damaging information from my credit file. I will also use part of the money to cover my son?s medical and dental expenses that are not covered by my company?s medical and dental insurance plan.
HERE ARE MY MONTHLY FINANCIAL DETAILS:
Net income after payroll deductions from all sources:$2,750
Additional income from Child Support: $665 (Documented)
Total Monthly Income: $3,415
$1,050 ? Rent
$150 ? Energy Bill
$300 ? Gas
$125 ? Car Insurance
$300 ? Food
$150 ? Phone/cable/internet
$300 ? Clothing, school supplies, lunch money for child
$300 ? Medical Expenses
Total Expenses: $2,675
Amount Available for debt recovery and Prosper Loan: $740.00
Although I am considered a HR by Prosper, I feel that I am a good loan candidate because I am asking for a small, manageable amount. I have a low DTI ratio and I am willing to pay the highest APR. I want so much to be able to provide a better life for my son. Now that I am older and wiser, I have made a promise to myself to correct the mistakes that I made. I am confident that I will be able to have perfect credit and I with your help will be able to make it there much sooner.
Thank you in advance for your consideration and if you bid on my loan, I promise you, I will not disappoint you.
|Borrower's Other Listings|
|71232||Fixing My Past, Preparing For The Future||HR||$4,000 @ 29%||Dec 06, 2006||Withdrawn|
|74225||Wish I Knew Then What I Know Now||HR||$4,000 @ 29%||Dec 13, 2006||Withdrawn|