Paying creditors, DTI not correct, NO lates for 9 yrs
| Listing Information | |||
|---|---|---|---|
| Amount: | $15,000.00 | Status: | Loan created |
| Grade: | D | DTI: | 84% |
| Lender Rate: | 22% | Borrower: | Renees_chance_to_be_free |
| Finished | State: | CA | |
| Funded: | 100% | Group: | PLEDGE - Open Membership!!! |
| Loan Information | |||||
|---|---|---|---|---|---|
| Loan Status: | 4+ months late | Origination Date: | 2007-01-12 | EricsCC ROI: | -26% |
| Status History | |
|---|---|
| Jan 13, 2007 | Current |
| Oct 11, 2007 | Late |
| Oct 14, 2007 | 1 month late |
| Nov 13, 2007 | 2 months late |
| Dec 13, 2007 | 3 months late |
| Jan 13, 2008 | 4+ months late |
|
Dear Lenders, First I'd like to mention that this loan will be paid off quickly. I purchased my home (on my own) a little over a year ago. At that time, my income for 2005 was $52,000. This year, it has decreased some, I ended with $47,000. I have someone in my life now who makes $6200. monthly, and gives me most of that for the bills. Combined our gross monthly income is $10,100. We can provide proof from our direct deposits into our bank account. I currently work for a large bank, who I've been employed with for over 6 years now. I am considering a promotion with another bank, which would allow me to receive approx. $15,000 from my pension funds, which I'm 100% vested in, this would pay down a large portion of this request. Currently I am paying about $850 in credit card payments monthly, and the new loan would save about $200 a month. Also, I am planning on paying this loan off as quickly as possible. The only derogatory item on my credit is a bankruptcy from 9 years ago. I have had no lates since that time. That should be the biggest indicator of my responsibility, regardless of how many accounts I have or how much I owe. I currently need to pay: Car Care (GE Money Bank) $1700 (car repairs) Wells Fargo Bank $3000 Capital One $2800 HSBC $2700 JcPenney $2900 Washington Mutual $5600 Yes, as you can see this loan will not completely pay off everything, but with the $200 I will be saving monthly, I can work at paying off the rest. I have already cut up most of these cards. I will close the accounts if necessary. I refuse to stay in the credit card trap anymore. Please let me know if I can answer any questions for you.I appreciate your consideration! p.s. I also hope to one day be a lender here to help others just like myself! :) |
| Borrower's Other Listings | |||||
|---|---|---|---|---|---|
| 81030 | Paying creditors, DTI not correct, No lates for past 9 years | D | $15,000 @ 18% | Jan 03, 2007 | Withdrawn |
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