Finally Preparing for the Future
| Listing Information | |||
|---|---|---|---|
| Amount: | $3,001.00 | Status: | Loan created |
| Grade: | HR | DTI: | 36% |
| Lender Rate: | 26% | Borrower: | MAJESTIK28 |
| Finished | State: | GA | |
| Funded: | 100% | Group: | Everyday People |
| Loan Information | |||||
|---|---|---|---|---|---|
| Loan Status: | 4+ months late | Origination Date: | 2007-01-29 | EricsCC ROI: | -40% |
| Status History | |
|---|---|
| Jan 30, 2007 | Current |
| Jun 15, 2007 | Late |
| Jun 30, 2007 | Current |
| Oct 14, 2007 | Late |
| Oct 31, 2007 | 1 month late |
| Nov 30, 2007 | 2 months late |
| Dec 30, 2007 | 3 months late |
| Jan 31, 2008 | 4+ months late |
|
About Me I am a 29-yr. old single female who is very talented and well-educated. I play the piano and the saxophone. I have two degrees: BS in Chemistry Education and an MS in Information Technology. I am an aspiring businesswoman/author as well. Presently, I am trying to get myself out of debt However, I am requesting assistance at this time to consolidate all of this down into one payment. I am currently employed full time as an operations specialist at a retailing companies? store support center. I have been there for almost 3 years and plan on staying there until I can open my business and start seeing some profits coming in. Listing This is my relist for the minimum amount needed to take care of some past due bills. So I can finally catch up to the present and prepare for the future, I have provided a list below of what is necessary. Please see my former thread as well for a breakdown. Thread Link http://forums.prosper.com/index.php?showtopic=15848 Explanation of Credit Situation/Loans I don't have a lot of credit history. However, I have talked to my GL about the past DQs and also posted information on my RML thread. I have also sent off requests for settlement amounts for three of the dqs-hence the lower amount for dq payoffs. The payday loans were taken out because I had no savings left when I needed to get initial repair to my truck and get back/forth to work as well as help in paying smaller bills. (see link for thread above) What Loan is Needed For $650-Payoff Current DQs $455+$262-Payday Loans $700-Car maintenance $600-Payoff Personal loans $300-Rent Total $2967 Monthly Income/Expenses Currently, I make anywhere from $1800-$2000 a month (depends on overtime worked). Once the items listed above are paid off, the only expenses I will have are monthly. These would include: Rent $500 Utilities $250 -----Light $60 -----Water $40 -----Phone/Internet $70 -------------Internet $32.95 -------------Phone $35.00 -----Gas $40 -----Cable $40 Truck payment $350 Truck insurance $150 Prosper Loan $130 Food $150+ Credit Card $ 20+ Gas (Automobile) $120+ Total Monthly Expenses---$1670 Conclusion This would leave me with $100-$200 left over from my monthly expenses for which I could do one of the following: pay down my credit card balance, start back saving for emergencies, or finally invest in a 401k. Thank you in advance, Majestik28 |
| Borrower's Other Listings | |||||
|---|---|---|---|---|---|
| 77716 | DETERMINED AND DEDICATED TO MAKE THIS WORK | HR | $6,500 @ 20% | Dec 24, 2006 | Withdrawn |
| 77957 | DEDICATED TO MAKING IT WORK | HR | $4,000 @ 28% | Dec 26, 2006 | Withdrawn |
| 78888 | In it for the Long Haul?Dedicated to Getting it Right | HR | $4,000 @ 26% | Dec 28, 2006 | Expired |
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