Re-List to pay off credit card
| Listing Information | |||
|---|---|---|---|
| Amount: | $4,326.00 | Status: | Loan created |
| Grade: | E | DTI: | 24% |
| Lender Rate: | 17% | Borrower: | milrtyme |
| Finished | State: | AL | |
| Funded: | 100% | Group: | Large Money Loans for AA,A,B,C & D Credits |
| Loan Information | |||||
|---|---|---|---|---|---|
| Loan Status: | Current | Origination Date: | 2007-01-10 | EricsCC ROI: | 12% |
| Status History | |
|---|---|
| Jan 10, 2007 | Current |
| Apr 25, 2008 | Late |
| May 03, 2008 | Current |
| May 25, 2008 | Late |
| Jun 10, 2008 | Current |
|
My name is Megan. I was so close to funding the prior request the last time so I have raised the interest rate in an attempt to fund the loan. I am married to the best man in the world and the mother of two children. I have a two year associate science degree and I am working on my bachelors degree in art for middle/high school history. My husband lost his job back in June because the company that he worked for was moving overseas. He applied for the job of being a police officer, but had to wait till they had an opening. When he lost his job he went to work with a friend until the police department called. My husband started working for the police department in the middle of October and is expecting a 3.5% raise in January. I would like a loan for $4326 to pay off my credit card because the interest rate is high. I learned the hard way about credit cards. I know that I have another credit card, but it was suggested that I try to get a loan to pay off one. I owe $5113 on the other one and my monthly payments are around $180 a month and I will continue paying that and pay extra to work on getting it paid off faster. I first got one when I quit my job to stay at home with my children. I got several more and some were charged off, but I have gone back and paid those off. I know that I have raised my credit score since then, but the place where I bank you have to have a certain credit score before they will give you a loan. I would like a clean start and make my payments into one payment a month with a cheaper interest rate. I will be having my payments taken out of my bank account automatically so that ALL of my payments will be made ON TIME! I will be able to pay this off in three years When I am able I would like to pay extra so that I can paid it off quicker. I saw the advertisement for this in Reader's Digest and I think it's a super way for people to help other people and I hope that in the future that I will be able to help someone like myself in their time of need. According to my credit report I have one deliquent account. That is not true. ALL of my bills are current. I believe I am a E with a FICO score of 540. The problem was that one of the credit cards (First Consumers National Bank) never reported to the bureau that I paid it in full so it still shows active. I have called the company and they show that it was paid in full. I paid it off over two years ago and they are correcting the error. I would like to pay off my credit cards so that I will be able to start putting some money back in case of an emergency and to continue school. I believe that consolidating payment through Prosper will help me able to do more for my family. My family means the world to me. Here is our current financial profile. Monthly Income + $1874.00 Monthly Expenses - $1417.00 House payment $ 465.00 Water Bill $ 30.00 Cable/Internet $ 95.00 Electric Bill $ 95.00 Car Insurance $ 42.00 Tele/Cell Phone $ 65.00 Credit Card Pmt $ 300.00 Security Sys $ 25.00 Grocery $ 200.00 Gas $ 100.00 |
| Borrower's Other Listings | |||||
|---|---|---|---|---|---|
| 57609 | help to consolidate credit cards | E | $9,281 @ 21% | Nov 06, 2006 | Withdrawn |
| 59736 | second change | E | $9,281 @ 22% | Nov 11, 2006 | Expired |
| 64108 | second chance | E | $9,281 @ 22% | Nov 20, 2006 | Withdrawn |
| 67466 | consolidate credit cards | E | $9,281 @ 22% | Nov 28, 2006 | Expired |
| 73477 | Personal Touch (pay off credit card) | E | $4,326 @ 23% | Dec 12, 2006 | Expired |
| 232438 | Help Pay Medical Bills | D | $2,000 @ 29% | Nov 15, 2007 | Withdrawn |
| 232484 | Re-List to Help Pay Medical Bills | D | $2,000 @ 29% | Nov 15, 2007 | Withdrawn |
| 232886 | Re-List to Help Pay Medical Bills | D | $2,000 @ 29% | Nov 16, 2007 | Expired |
| 237603 | Re-List Consolidate | D | $5,378 @ 31% | Nov 26, 2007 | Withdrawn |
| 240300 | Help Pay off loan & Medical Bills | D | $5,377 @ 31% | Nov 29, 2007 | Withdrawn |
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