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: $2292.93 / $10000.00

Listing Summary

  

Borrower Info
Requested Amount: $10000.00
Lender Rate: 19.10%
Automatic Funding: No
Percent Funded: 100%
Monthly Payment: $367.07
 
Borrower: tucsonblonde
Location: AZ
Group: eBayAuctionPros
Group Fee: 0.00%

Credit Profile
Credit Grade: B Homeowner: Yes Account Verified: Yes Debt To Income: 59%

Extended Credit Data
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Listing Description
Purpose of loan:
This loan will be used to… Purchase inventory, improve packaging design and website design for our growing skin care company, The Original Skin Store. We are an established e-commerce business and have just been approved to begin selling our products on Amazon.com. Along with our continuing month to month growth on our website and as a Silver Powerseller on Ebay, we are anticipating a need for increased inventory, packaging and supplies to meet demand with the addition of Amazon to our selling venues.

My financial situation:
I am a good candidate for this loan because… While I have had personal credit problems in the past (a bankruptcy 8 years ago), I have been very responsible since then, paying my bills on time. I have been paying off my credit cards by paying more than the minimum each month, and using cash when possible for purchases. I work a full time job in addition to my internet business, and have been using the extra money to pay down my debts and increase the amount of money I can put back into my business to expand our product line, advertising and customer base.
My business has been profitable from the first day, and we continue to show strong growth, even in this troubled economy. We provide top quality products that help reverse the signs of aging at an affordable price, and with the aging population spending billions (literally) on ways to look younger, we are in a fantastic position to keep growing at a rapid pace. Please visit our Website at www.theoriginalskinstore.com http://www.theoriginalskinstore.com/ and our Ebay store where you can take a look at our feedback at The Original Skin Store. Thank you for your consideration
Monthly net income: $ University of Arizona $2000.00, The Original Skin Store $3000.00 = $5000.00
Business net income (after my salary, supplies, fees etc): 4000.00

Monthly expenses: $
Housing: $ 1200
Insurance: $ 50
Car expenses: $ 100.00
Utilities: $ 370.00
Phone, cable, internet: $ 140.00
Food, entertainment: $ 400.00
Clothing, household expenses $ 200.00
Credit cards and other loans: $ I have 8 Credit cards, with balances as noted:
Juniper Bank: 2273.00(limit 3500) $100.00/mo
HSBC: 748 (limit 2500) $100.00/mo
Merrick: 900 (limit 2000) $100.00/month
Aspire 0 (limit 2650) 0
Target 100 (limit 500) $50.00/mo
Kirklands 0 (limit 300) 0
Paypal Credit 200 (limit 650) $75.00/mo
Walmart 50 (limit 600) $25.00/mo

I also have a loan with prosper: 3878/179.00 monthly (5000 loan)
And a line of credit with Beneficial 9300/300.00 monthly (limit 10000)
Other expenses: $ My Debt to income ratio only considers the U of A job, not my income from my business which is steady month to month at $3000.00

Total Monthly payments: 3389.00   Total monthly income: $5000.00 

(sorry I had to withdraw and relist again, the links were not working correctly)