Vetted Private Investigator Seeks Consolidation
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|Loan Status:||Default||Origination Date:||2007-01-10||EricsCC ROI:||-81%|
|Jan 10, 2007||Current|
|May 25, 2007||Late|
|Jun 11, 2007||1 month late|
|Jul 11, 2007||2 months late|
|Aug 11, 2007||3 months late|
|Sep 11, 2007||4+ months late|
|Dec 28, 2007||Default|
I am a single, 24-year-old, Private Investigator and Senior Case Officer for CNET Investigations in Orange County, California. I have worked for CNET for over 1 year. I was formerly employed by the Pasadena Police Department for the previous 5 years. I have a 4-year college education, a Bachelor's in Criminal Justice. I rent an apartment in Orange County, California and I have lived in Southern California for all of my adult life.
In my investigations career, I often conduct infidelity, criminal, and civil investigations. At times, I have supervised up to 10 employees. We have recently entered an agreement with the Cheaters Television Show to sell franchises of the Cheaters Detective Agency to private investigators throughout the country. This has led to a double in my future monthly income thanks to increased sales.
I was the sales leader, company-wide, Sept 2005 through Jun 2006, Oct 2006 and Nov 2006. I am also the sales leader, company-wide, for year-to-date 2006. I have been paid an average of $7,000 per month over the past 10 months of 2006.
I intend to swiftly pay off this loan after consolidating my debts. I have many medical bills, some of which are headed towards collections. Additionally, I am "upside down" on vehicle #2, and I intend to eliminate this payment. The difference between the appraised value and the loan payoff amount will also be paid with funds from this Prosper Loan. I want to consolidate these debts into one payment. My payments for all debts total $1924 per month.
Orchard Bank (AKA HSBC) Credit Card: Payment $22, Balance $926
HSBC Credit Card: Payment $77, Balance $3957
Best Buy Store Credit Card: Payment $55, Balance $1917
Capital One Auto Loan #1: Payment $1342, Balance $75097
Capital One Auto Loan #2: Payment $428, Balance $23105
Vehicle #1 is a luxury car, used to entertain millionaire and celebrity clients who expect high-class treatment from their private investigator. Vehicle #2 is a common SUV, used for surveillance operations in an attempt to remain covert.
Business expenses, not reimbursed: $1000 per month
To make money, you have to spend money. I spend quite a bit to entertain millionaire and celebrity clients so I can obtain their business. I also have a dedicated toll-free number and an extensive self-funded mobile and home office, outside of the desk provided at our headquarters.
Rent: $1665 per month
I am stuck in a 1 year lease I obtained earlier this year with a former flame. We made the mistake of renting an apartment in the highest rent area in the Nation, Orange County, California. However, we have since separated and she is no longer contributing to the rent.
Recurring Utilities, Miscellaneous: $500 per month
After including $1924 of monthly creditor payments, I am left with income as much as $2,000. This has been used to pay the balances down on my credit cards and auto loans.
Excessive inquiries are due to attempts at identity theft. This partially explains my low credit score. I have a fraud alert on my credit report. However, my information was stolen in 2000 and has been repeatedly used. This information has been used over the past six years by identity theft rings that have yet to be identified. This has been reported twice: in 2001 to Pasadena Police Department, and recently in 2006 to Irvine Police Department. IPD report number is 06-05911, and the Business Desk can be reached at [PHONE DELETED] for verification.
Additionally, my credit score is low because I recently opened new credit lines: Best Buy CC and Auto Loan #1.
Forum link: http://forums.prosper.com/index.php?showtopic=15265
|Borrower's Other Listings|
|49193||I'm your risk, and your reward!!||HR||$25,000 @ 29%||Oct 16, 2006||Expired|
|75507||Private Investigator seeks to consolidate||HR||$10,000 @ 27%||Dec 18, 2006||Expired|