Please Help- Consolidate Debt&start life together
| Listing Information | |||
|---|---|---|---|
| Amount: | $6,500.00 | Status: | Loan created |
| Grade: | E | DTI: | 19% |
| Lender Rate: | 25% | Borrower: | Jaimie1986 |
| Finished | State: | IL | |
| Funded: | 100% | Group: | Debt Consolidators |
| Loan Information | |||||
|---|---|---|---|---|---|
| Loan Status: | 4+ months late | Origination Date: | 2007-01-10 | EricsCC ROI: | -41% |
| Status History | |
|---|---|
| Jan 13, 2007 | Current |
| Aug 28, 2007 | Late |
| Sep 08, 2007 | Current |
| Sep 27, 2007 | Late |
| Oct 11, 2007 | 1 month late |
| Nov 11, 2007 | 2 months late |
| Dec 11, 2007 | 3 months late |
| Jan 11, 2008 | 4+ months late |
|
Purpose of the Loan: We want and need to pay off our high interest credit cards to raise our credit scores so that we can move out together in March also get married. I make $1839.36 in customer service a month, my fiancee makes $1200.0 working at napa. Our credit scores are not that great because of some impulse buys when I first turned 18 and expenses that came up while I was attending interior design school in chicago. I was working on paying them off and I realize how important it is to pay bills on time, for the longest time I prided myself on maintaining my almost perfect credit but our bills have suffered for a while now because we were attempting to help save his parents house. His father has diabetes and in January had ambulatory surgery and has been bringing home little to no paycheck since November 2005. Their bills suffered, and my fiancee and I threw all of our money into sustaining the household. Only thing is being 20 and 21 we do not make enough to sustain a 4 bedroom house for someone else while keeping our finances in line. As a consequence of this our credit declined horribly because although we would try our best sometimes we were not able to make all of our payments on time. I regret that my credit was damaged as it was but it was done to help those I cared for in their time of need. The two of us make enough to survive on our own. We would like to consolidate our debt which in turn will give us a smaller interest rate and a smaller payment. I can not wait for just one payment. Here is a break down of our monthly expenses once we move in. Until we move in we will have $2500.0 a month available from January to March to save up for our security deposit and all of our deposits and furniture. $3039.36 combined income $725.00 rent $90.00 electric $100.00 cable/phone/internet $350.00 combined car insurance monthly $250.00 groceries $120.00 cell phones $150.00 gas(vehicle) $108.00 our car payment $70.00 student loans $35.00 gym membership $530.00 minimum on credit cards and fees(will be wiped out by prosper loans) $546.36 left over a month now **$1041.00 after prosper loan, we will have plenty left over to pay our loan*** We have more than enough to get through the future we just need alittle help cleaning up the past. I would love to raise our credit scores and this prosper loan will do that as well as give me peace of mind because it is one payment compared to 6 or 7. We promise that we will always make on time payments and will not let anyone down. We are very responsible people contrary to what it may look like on paper. Thank you for your consideration. Please help us start a life together.If you need any other information I will |
|
Discussion For This Listing
|
||
|---|---|---|
|
No Comments Found For This Listing
|