PAY OFF DEBTS / LOOKING AT MY FUTURE
| Listing Information | |||
|---|---|---|---|
| Amount: | $3,000.00 | Status: | Loan created |
| Grade: | HR | DTI: | 37% |
| Lender Rate: | 23% | Borrower: | chtwoofus |
| Finished | State: | OR | |
| Funded: | 100% | Group: | MONEY DIES |
| Loan Information | |||||
|---|---|---|---|---|---|
| Loan Status: | Current | Origination Date: | 2007-01-19 | EricsCC ROI: | 17% |
| Status History | |
|---|---|
| Jan 20, 2007 | Current |
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First I would like to thank you for allowing me to join your group. The purpose of my loan request is to pay off old debts. My monthly household expenses are as follows: Credit cards HSBC NV balance is $284 payment=$15 1st bank of Delaware balance is $218 payment=$50 Creditone bank balance is $195 payment=$20 Cortrust bank, balance is $175 payment=$30 Orchards credit balance is $267 payment =$25 Rent = $525 Lights = $94 Phone/cable/internet =$143.25 Citi auto loan = $620 Car insurance = $146 Food est = $300 Health insurance= $280(company I work do not offer) Prescriptions = $200 Est. work expense (gas,repairs, oil changes etc?) $1,400 Total monthly expenses = $3,748.25 If loan is funded I will pay off the following debts. Merrick bank (closed acct.) $960 Capital one bank (closed acct) $569 Back taxes (public record) $1,000 DTI SCORE is misleading for as you can see from current pay stub enclosed, that my total gross amount is a lot less than actual NET. Due to non taxable pay included with my job. ( commission, gas allowance, mileage ) I get paid twice a month so my total gross income for a month shows around $2.900 But my NET is acutaly $4,100 or more DTI is also due to I financed a $10,000 dodge Durango for my nephew for he could not get credit (secured by his parents) he pays all monthly payments as well as insurance. In 6 months he will re-finance into his name only. Employment (fulltime) I work 6 days a week. Mon-Sat, I do West Coast and First Independent bank runs and also deliver Kaiser medications to nursing homes and adult private homes. I?m very honest and realiable. I love my job. INCOME BREAKDOWN NET PER MONTH $4,100.00 EXPENSES PER MONTH $3,748.25 LEAVING $351.75 for the unexpected and to payback prosper I have worked hard at improving my credit score. So I can meet monthly payments of $126 a month , back to lenders, even at high interest rate. Untill I establish good credit with proper lenders My goal is to payback loan in full in 24 months . |
| Borrower's Other Listings | |||||
|---|---|---|---|---|---|
| 79654 | get ahead on bills | HR | $3,000 @ 23% | Dec 30, 2006 | Withdrawn |
| 79698 | clean up my past mistakes, and increase my credit score | HR | $3,000 @ 22% | Dec 30, 2006 | Withdrawn |
| 80028 | Looking at my future | HR | $3,000 @ 29% | Jan 01, 2007 | Withdrawn |
| 363005 | car repair | HR | $1,000 @ 35% | Jul 08, 2008 | Expired |
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