Young Professional looking to consolidate. State Maximum!
| Listing Information | |||
|---|---|---|---|
| Amount: | $9,500.00 | Status: | Loan created |
| Grade: | E | DTI: | 33% |
| Lender Rate: | 25% | Borrower: | ccarignan |
| Finished | State: | CA | |
| Funded: | 100% | Group: | No Bull Investors - We Invest In Good Borrowers |
| Loan Information | |||||
|---|---|---|---|---|---|
| Loan Status: | Current | Origination Date: | 2007-02-20 | EricsCC ROI: | 19% |
| Status History | |
|---|---|
| Feb 17, 2007 | Current |
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Lenders: Thanks for considering my listing. Lets get all the facts on the table to help your decision to bid on my loan. First, I?m posting at a high interest rate for more bids so that the interest rate can be bid down once the loan is funded. Credit History: A bankruptcy 4 years ago (that is discharged) following some medical bills and brief period of unemployment when I moved in 2002. There is one delinquency from Chase Visa on my report that was disputed as incorrect. This has since been removed from my Experian report, but may not be off of the others yet. Not sure how this got on my report but it has been resolved. You may also notice quite a few credit inquires recently and this is due to two things: 1. I refinanced my vehicle in September/October of 2006 for a lower interest rate. I used the Lending tree service. 2. I tried to get a conventional debt consolidation loan in November '06. I again used an online service that pulled a credit report for several creditors. With my current open credit accounts I?ve never made a single late payment on any outstanding debt since my BK in 2003. My credit score would vastly improve if I fixed the balance to limit ratios and available credit on open accts according to my credit report. Here is my financial overview to prove my repayment ability and help you with your lending decision: INCOME: $5200 Gross monthly Salary, $3300 Net monthly. Have been with Marriott International for 5 years on a successful fast track career. MONTHLY COMMITMENTS BEFORE LOAN: $700 Rent (Includes all utilities) $778 Car Pmt/operating expense $80 Cell phone $368 Credit Cards (see detail below) $450 Loans/debts outstanding (see detail below) $200 Misc $2576 TOTAL MONTLY COMMITMENTS AFTER PROSPER LOAN: $700 Rent (Includes all utilities) $778 Car Pmt/operating expense $80 Cell phone $400 Prosper Loan $200 Misc $2158 TOTAL High Interest Credit Cards debt that would be eliminated: Capital One Visa (2 accounts), Merrick Bank Visa, Orchard Visa, Aspire Visa, First Premier Visa, HSBC Visa, Applied Visa TOTALING $4706 Total Minimum Mo Payments: $368 Misc High Interest Debts that would be eliminated: $2750 Cash Call (VERY HIGH interest Loan to temporarily get ahead) $250/mo $1895 Federal Tax (owed for 2005 ? this year I will owe nothing) $200/mo $4645 TOTAL Total Minimum Mo Payments: $450 TOTAL DEBT PAYOFF: $9351 As you can see, this loan would save me $418 a month in high interest and put me back on a stable financial path. Lenders thanks for your time and consideration. |
| Borrower's Other Listings | |||||
|---|---|---|---|---|---|
| 73230 | Debt Consolidation | E | $13,000 @ 21% | Dec 11, 2006 | Expired |
| 81315 | Re-Listing. Debt Consolidation! Help grow my Credit score! | E | $11,000 @ 25% | Jan 04, 2007 | Expired |
| 85120 | HELP ME CONSOLIDATE. GREAT RETURN WITH THIS APR! | E | $5,000 @ 25% | Jan 15, 2007 | Withdrawn |
| 88856 | Eliminate DTI, Raise Score, Great Return APR!! | E | $7,000 @ 29% | Jan 25, 2007 | Withdrawn |
| 89023 | Help Consolidate. Never Late. Great Return Percentage! | E | $6,000 @ 26% | Jan 26, 2007 | Withdrawn |
| 91013 | YOUNG PROFESSIONAL LOOKING TO CONSOLIDATE DEBT-STATE MAXIMUM | E | $9,000 @ 28% | Jan 30, 2007 | Withdrawn |
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