New Loan/Single Mom
| Listing Information | |||
|---|---|---|---|
| Amount: | $2,800.00 | Status: | Loan created |
| Grade: | HR | DTI: | 7% |
| Lender Rate: | 26% | Borrower: | Mommy1 |
| Finished | State: | CA | |
| Funded: | 100% | Group: | Everyday People |
| Loan Information | |||||
|---|---|---|---|---|---|
| Loan Status: | Default | Origination Date: | 2007-01-17 | EricsCC ROI: | -73% |
| Status History | |
|---|---|
| Jan 20, 2007 | Current |
| Aug 02, 2007 | Late |
| Aug 27, 2007 | 1 month late |
| Sep 18, 2007 | 2 months late |
| Oct 18, 2007 | 3 months late |
| Nov 23, 2007 | 4+ months late |
| Dec 28, 2007 | Default |
|
I am a single mom of 10 month old twins and 1 daughter. I am a full time teacher. I reduced my loan to $2800: $2500 to my aunt and $300 as an initial payment on a medical bill. My aunt will let me give her $2500 now and $500 when I get my taxes. The car I have now is not mine and I need more room for 2 car seats and 1 booster seat. My son has been diagnosed with severe Asthma and has accumulated hospital bills (total $1306.58). Talked to billing and I can give them $300 and as long as I make monthly payments and pay it off in 6 months I will be fine. After seeing my Experian Report there are things on there that haven?t changed. It says I do have 10 Current DQ?s. #1-4: There are 3 items that are still reporting unpaid. I paid those with my first Prosper loan and have letters verifying the 3 have been paid in full and have a zero balance. (Dispute in progress.) I just finished paying an old hospital bill for $104. There goes 4 DQ?s. #5-7 I am currently paying the following by making monthly payments: Tandy Bank $1897 Pay $172.45 Wells Fargo $1104 Pay $125 Tribute $700 Pay $100 #8 Capitol One reports late but I am now up to date on my payment (432.30 Balance, Pay $30/month) #9-10 There is an old doctor bill of $35 ? I was not aware previously. City of SD $194.00 ? not sure what this is, but I?m trying to find out. (Both of these will be resolved soon.) DTI is at 7% - This still includes original Prosper loan payment as Prosper is a little behind in reporting. Current Monthly Budget: Income: $2623 $400 Rent (paid to parents) $135 Preschool (monthly cost daughter goes t/th 3hours/day) $340 Groceries/Diapers ( I use COUPONS!) $325 Gas $40 Insurance $175 Clothes $40 Cell $20/Doctor copay (1time per month) $208 Formula (TWINS) **This expense ends in 2 months! $50 Entertainment Living Expenses: $1733 Total Credit Payments: $427.45 (from #5-8 above) + $170 Medical Bill for Son?s Asthma Total Monthly Expenditure: $2330.45 + Prosper payment of $117.34 = $2447.79 Vetting: I am in the process of sending all my things in to get vetted. Thanks to StaciM for helping me out and working with me! |
| Borrower's Other Listings | |||||
|---|---|---|---|---|---|
| 30429 | Need a Fence | D | $3,000 @ 21% | Aug 10, 2006 | Withdrawn |
| 30490 | Single mom needs help | D | $3,000 @ 28% | Aug 10, 2006 | Withdrawn |
| 31844 | Single mom needs some help | D | $2,550 @ 28% | Aug 16, 2006 | Withdrawn |
| 32755 | Single Mom | D | $2,550 @ 28% | Aug 20, 2006 | Withdrawn |
| 32828 | Single Mom Needs Help | D | $2,550 @ 28% | Aug 20, 2006 | Withdrawn |
| 33140 | Single Mom | D | $2,550 @ 27% | Aug 22, 2006 | Loan created |
| 80637 | New Loan/ Single Mom | HR | $3,600 @ 29% | Jan 02, 2007 | Withdrawn |
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