Re-list-Debt Considulation-Vetted by Group Leader
| Listing Information | |||
|---|---|---|---|
| Amount: | $10,000.00 | Status: | Loan created |
| Grade: | D | DTI: | 39% |
| Lender Rate: | 17% | Borrower: | Ladybug2007 |
| Finished | State: | AZ | |
| Funded: | 100% | Group: | Everyday People |
| Loan Information | |||||
|---|---|---|---|---|---|
| Loan Status: | Current | Origination Date: | 2007-02-28 | EricsCC ROI: | 13% |
| Status History | |
|---|---|
| Feb 28, 2007 | Current |
|
About my credit: My debt to ratio is @ 31% this is due to recently separating. The debt was split between my husband and myself. I recently found out I have 3 delinquencies. These are being taken care of. My husbands Ex-wife is now paying her medical bill that was put on my credit due to the medical coverage being under my name. My work history: I have been working in the same field for the past 6+ years working in the Inside Sale Dept. for a transportation and logistics company. Most of my career has been in Sales from retail to landscaping. I have never been unemployed. Current Job ? Oct 04 to current Central Account Executive Previous Job ? Feb 2001 to Oct 2004 Inside Sales/Supervisor Why I need the loan: I have been juggling credit card balances for years now. I now know why I never wanted CC to begin with. I have cut up my CC and promised myself never use a credit card again other than for emergencies, which I will pay off at the end of the month. If I cannot pay for it in cash I DON?T need it. My goal it so pay off ALL credit cards, close the accounts and start doing things the right way. The bills I want to pay off: American Express$2224.71 ?18.24% monthly pymt $225.00 ? No limit Orchard Bank #1 $850.65 - 23.150% 45.00 monthly pymt $45.00 - $1100.00 Limit Household Silver $2473.00 ?23.150% monthly pymt $65.00 - $2700.00 Limit Citi financial $6850.87 ?25.150% monthly pymt $225.00 - $7600.00 My Amex card was charged up when I separated. I had to start over and needed items for the home. The Citi Financial was for dental work that my son and myself had done. I have been paying on this for almost a year now and only only paid off $600.00 of the $7600.00 bill. I don?t feel like I am getting very far with this. Getting a Prosper loan would save me about $200.00 a month plus a ton in interest. How I plan to pay prosper back: I picked up a 2nd job during my separation and this is how I pay my credit cards. I make on average $1000.00 net a month from this job. My net for my first job is$2246.00. For both jobs, my net is $3246.00 monthly. Currently I pay $540.00 a month between the 4 cards I would like to pay off. Right now I feel like I am paycheck to paycheck and would like got get rid of the high interest cards and start putting money into my 401K as well as start a savings account for my kidsfuture as well as putting any extra money to the remaining cards, getting those paid off asap. I have committed to keeping my 2nd job until I am debt free. My budget: Rent $762.25 Car Insurance $145.58 Car $475.00 Electric $75.00 (more during summer months) Cell Phone $55.00 Misc $70.00 Cable $75.00 Food & Gas $250.00 Daycare $120.00 (monthly) Meds(for son) $35.00Dr. Visits(son) $180.00 I will continue making payments on the following cards until they are paid off. I would focus on one card at a time to pay off instead of putting extra to each card a month. Sams Club $850.00 -23.150% monthly pymt$45.00- $950.00 Limit Orchard Bank #2 $493.75 -17.65% monthly pymt $25.00- $600.00 Limit Household Gold $400.00 ?21.174% monthly pymt $25.00 - $600.00 Limit |
| Borrower's Other Listings | |||||
|---|---|---|---|---|---|
| 93696 | Becoming Debt Free | D | $12,500 @ 19% | Feb 05, 2007 | Withdrawn |
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