Financial Viability Sought
| Listing Information | |||
|---|---|---|---|
| Amount: | $3,001.00 | Status: | Loan created |
| Grade: | HR | DTI: | 3% |
| Lender Rate: | 21% | Borrower: | cutebabe |
| Finished | State: | GA | |
| Funded: | 100% | Group: | High Risks that should not be |
| Loan Information | |||||
|---|---|---|---|---|---|
| Loan Status: | 4+ months late | Origination Date: | 2007-01-17 | EricsCC ROI: | -63% |
| Status History | |
|---|---|
| Jan 20, 2007 | Current |
| Aug 02, 2007 | Late |
| Aug 14, 2007 | Current |
| Nov 02, 2007 | Late |
| Nov 23, 2007 | Current |
| Dec 02, 2007 | Late |
| Dec 14, 2007 | Current |
| Jan 03, 2008 | Late |
| Jan 12, 2008 | Current |
| Mar 04, 2008 | Late |
| Mar 18, 2008 | 1 month late |
| Apr 18, 2008 | 2 months late |
| May 24, 2008 | 3 months late |
| Jun 18, 2008 | 4+ months late |
|
Thank you for taking the time to read my listing. About me and this loan: My name is Judy. I'm a single mom with a 14-year-old daughter, whom I love dearly. I'm currently employed as a software analyst and I'm also a published author. I've published one nonfiction book, and my first novel is now in preparation. In the past, I held a job for 18 years being downsized out the door. Being out of work led to serious financial difficulties, while I was on unemployment compensation looking for a new job. That was a new experience for me, because I've always been very careful with my finances. At this point, having been in my current software job for 2+ years, things are beginning to stabilize in my life financially. This loan will help me to solidify that foundation, and get rid of some other debts and accounts at unreasonably high interest rates, that are residual from my period of unemployment. It will also help me on the road to repairing my credit. The debts I'll be paying off amount to about $2400. The listing is for $3K because that is the minimum I can request in Georgia. My Income: Although I have some income from my writing, my main income is my salary, which amounts to $3332 on a monthly basis, after taxes. (I'm paid biweekly, $1538 after all deductions.) My Expenses: My monthly expenses are pretty normal for Georgia:
Paying back this loan: As you can see, I have nearly $1000 left over per month to pay this loan back. That is several times the monthly payment, even at 29%. So I have no trouble doing that, and, believe me, I will do so. I want out of this "credit risk trap"! I plan to use the remaining cushion to start saving up for my daughter's future and for my future business plans. (I hope to expand my writing in the future into a viable business in its own right.) I hope you'll be able to help me. You'll get a good return, and I'll be making a step toward financial freedom. And thank you for reading all of this. |
| Borrower's Other Listings | |||||
|---|---|---|---|---|---|
| 78318 | Financial Viability Sought | HR | $3,400 @ 27% | Dec 26, 2006 | Withdrawn |
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