Listing Profile Bid History Loan History

Listing Title


Loan Information
Loan Status: Defaulted (Bankruptcy) Origination Date: 2006-12-14 Payments Made: 8 of 36 Total Payments: $309.18 / $1000.00

Listing Summary

  

Borrower Info
Requested Amount: $1000.00
Lender Rate: 20.98%
Automatic Funding: No
Percent Funded: 100%
Monthly Payment: $38.70
 
Borrower: caffeinedeprived
Location: TX
Group: BORROWERSGROUP
Group Fee: 2.00%

Credit Profile
Credit Grade: HR Homeowner: Yes Account Verified: Yes Debt To Income: 25%

Extended Credit Data
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Listing Description
I am 35 years old, married for 13 years and have 2 kids, ages 5 & 11.  I have lived in the same small town all my life.  I've worked full time in the healthcare industry for the last 16 years.  My spare time involves "family stuff", church, reading and our pets. 

I had a great credit rating until 2 years ago.  At that time, our older home began to require more maintenace and repairs.  Also, my brother became ill and could no longer work.  My financial help to him created hardship to me, but was a necessary thing at the time.

Things are improving...I no longer use the credit cards that have been the source of my debt.  I am cutting corners and budgeting better to pay down this debt.  I am now in a position, that with just a little help, I can start rebuilding my credit.  My ultimate goal is to become a Porsper lender and help others like myself. 

My bring home pay is $2150/month with expenses of $1780 monthly.  My husband is disabled, so has no income to contribute, but my income will leave sufficient funds to repay Prosper lenders.  I know how important timely payments are and I vow to make each one on time, every time.

The loan I am requesting will be used to pay of 2 payday loans.  By doing this, I will save additional dollars as these interest rates are phenomenally high.  This will be a huge step for me on my road to restoration. 

Thank you for your potential interest.  I PROMISE to not let you down!