BIG MONEY for you, BETTER CREDIT for me (DTI inaccurate)
| Listing Information | |||
|---|---|---|---|
| Amount: | $15,500.00 | Status: | Loan created |
| Grade: | C | DTI: | 50% |
| Lender Rate: | 17% | Borrower: | messinjah |
| Finished | State: | MO | |
| Funded: | 100% | Group: | (No Group) |
| Loan Information | |||||
|---|---|---|---|---|---|
| Loan Status: | Current | Origination Date: | 2007-01-12 | EricsCC ROI: | 12% |
| Status History | |
|---|---|
| Jan 13, 2007 | Current |
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BIG MONEY for you, BETTER CREDIT for me (DTI inaccurate) My wife and I work full time, and make more than enough money to pay our bills. My wife makes 40000 a year as the assistant manager of a retail-clothing store. I make 47300 a year as a carpenter with a pay raise every 6 months for the next 2 years. All this is total gross and verifiable. My credit is not bad, I just have a bad credit score. I have never been late, bankrupt, or delinquent. We will consolidate most of our revolving credit into the 15000$ Prosper loan. Then take the remaining balance and consolidate in to one credit card with a 6.9% rate. Consolidating now will increase our credit score enough to get a good interest rate on a house at the end of the year. I have kept the monthly payment from my Prosper loan close to what I pay for credit cards now. This way there is no additional stress on our finances. Monthly credit card payments ?balance. Chase 53$-- 2600 Usbank 135-- 3500 Usbank 135-- 5200 BOA 121-- 7800 ANNTy 50-- 200 Provida 15-- 253 ------------------------------------------------------------------------- Total 509$ - 19553$ - 15000 = 4553 Combined monthly income and expenses: Income ? 4910$(net pay) Rent- 855 Insurance- 300 SBC- 200 Ccards- 509 Utilities- 116 Truck- 356 Car- 445 Living Exp.- 500 -------------------------------------------------------------------------------------------- Total Expenses- 3281$ Cash Available- 1629$ Thank you so much! A little about us: My wife is 22 and I am 24. We have a very cute little westie named Duke and he is almost 3. I am going to college for a construction management degree, and my wife will be the GM of her own store with in the year. We really want to buy a house at the end of the year, and want to get the most house for the money. |
| Borrower's Other Listings | |||||
|---|---|---|---|---|---|
| 75339 | BIG MONEY for you, LOW INTREST for me | C | $15,000 @ 17% | Dec 16, 2006 | Withdrawn |
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