Listing Profile Bid History Loan History
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Listing Title


Loan Information
Loan Status: Current Origination Date: 2008-04-16 Payments Made: 8 of 36 Total Payments: $808.13 / $2900.00

Listing Summary

  

Borrower Info
Requested Amount: $2900.00
Lender Rate: 15.15%
Automatic Funding: No
Percent Funded: 100%
Monthly Payment: $100.74
 
Borrower: love2fish2gether
Location: ND
Group: bestloans
Group Fee: 0.00%

Credit Profile
Credit Grade: C Homeowner: No Account Verified: Yes Debt To Income: 30%

Extended Credit Data
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Listing Description
I just want to start off by saying that this is my second Prosper loan.  I have never been late on my first loan and have the funds taken right out of my account that our funds are direct deposited in.  As you can see by my credit score I have been working really hard to get my credit back in order but sometimes we just need some extra help when unexpected expenses come up.  I thank all in advance for any consideration in a bid. 

Purpose of loan:
Last year before my wife went back to work we asked her parents for 1500.00 with the understanding we would start paying them back at the beginning of this year.  We were very grateful for their help in our time of need.  While I know this is interest free money I don't want this to be hanging over my head for the next year.   They are very patient and understanding but I would just feel better if I could pay them now.   
My wife and I do not currently have dental insurance as I am not offered it through my job and she is not able to sign up for that insurance until June 1.  My wife has a bad tooth in the back of her mouth that has recently been causing her a lot pain and when she went to the dentist she was told she would have to have a root canal on that tooth which the Dentist told her would be 830.00 which the majority has to be paid up front to have the procedure done.  There is no way she is going to be able to wait until June to have this done and because we do not have the dental insurance the dentist is not making any exceptions.
This past winter my stepson had to bring his cat home from his dads and because we already have a male cat in the house we had problems with him urinating in the corners on the carpet.  If you have a male cat you know how bad that smell is.  Now that the weather is getting nicer and the house is heating up the smell is getting unbearable.  So the rest of the money we are asking for is to replace flooring in our living room and get rid of the awful smelling carpet.  Our living room is aprox 18 x 16.  (The cat has since gone to live with my aunt on her farm).  Since first posting this loan we have gotten an estimate for 900 give or take. 
The total we are asking for is 2900.00 of which 1100 is to pay back inlaws, 830 to my wifes dentist and the rest will go towards flooring. 

My financial situation:
I am a good candidate for this loan because I have never been late on my exsisting Prosper loan or haven't been late on any other payments in 3 years.  I am working very hard on getting things paid off and getting my credit score back up.  I am in a secure job with the city I live in and my wife has gone back to the company she worked for prior to staying home to raise our daughter.

My monthly net income: $1200  Wife's Income: $900

Our montly bills:
Monthly bills: 400  (heat, electric, sattelite, internet, garbage pickup, land taxes)
Car Insur: 194 (stepson pays 90 of that)
Family cell phone plan: 130 (stepson pays 50 of that)
SLND (wifes college loan) : 60
Groceries: 300
Sundries: 150
Prosper: 113.29
Bank Loan (97 GMC surburban): 226
Citifinancial: 113
wifes cc: 50
my 1st cc: 25
my 2nd cc: 25
Gas: 200