Listing Profile Bid History Loan History
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Listing Title


Loan Information
Loan Status: Current Origination Date: 2008-06-11 Payments Made: 6 of 36 Total Payments: $2823.03 / $12000.00

Listing Summary

  

Borrower Info
Requested Amount: $12000.00
Lender Rate: 23.75%
Automatic Funding: No
Percent Funded: 100%
Monthly Payment: $469.22
 
Borrower: Wambli
Location: FL
Group: ChristianInvestors
Group Fee: 0.00%

Credit Profile
Credit Grade: C Homeowner: No Account Verified: Yes Debt To Income: 38%

Extended Credit Data
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Listing Description
Purpose of loan: Pay off a credit card and assist with improving credit score / rating.  

Why I would be a good candidate for this loan:
Stable – I believe in commitment: Examples: Married 28 years, retired from military, have been with my current employer for 2 years (only change employment based on a family relocation, life change issue, or better opportunity).

Focused – Goal Accomplishment: Examples: Retired from military, college graduate- earned Bachelor’s Degree (3.75 GPA) while working full time and parenting / raising 3 teenagers and dealing with a son in Iraq, currently pursuing additional education (Project Management Professional – Certification) for career advancement opportunities.

Learns from past mistakes – Seeks self-improvement

Financial Stability – 
Recent pay increase based on attributes and being a strong asset to the company, strong likelihood of promotion based on completion of PMP certification, company is doing very well (expanding in size and acquiring new work).

My Current Financial Status: 
Capable of paying all bills on time without any issues, with payments well above the minimum for 2 credit cards, one of which I am seeking this loan for. In addition to my own bills, I am assisting my daughter (full time college student) with some of her bills.  

Monthly net income: $4762.80 (Personal) $5,762.80 (Combined)
Work income:
Job 1 - $3,841.80 (Full time – Salaried)
Job 2 - $90.00 (part-time – hourly [2 days a month - for fun / perks])
Other: Military Retirement: $831 (Monthly)
Wife’s Income: $1,000+ (Part-time Monthly) Nursing student  

Monthly expenses: $5,489.00
Housing: $ 1,700 (rent)  
Insurance: $ 220.00  
Car expenses: $ 500.00  
Utilities: $170.00   
Phone, cable, internet: $260.00   
Food, entertainment: $500.00   
Clothing, household expenses $80.00   
Credit cards and other loans: $1150   
Other expenses: $350 (daughter’s bills)
Tithes and Offerings: $584.00