Listing Profile Bid History Loan History
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Listing Title


Loan Information
Loan Status: Current Origination Date: 2006-12-27 Payments Made: 24 of 36 Total Payments: $12422.12 / $13000.00

Listing Summary

  

Borrower Info
Requested Amount: $13000.00
Lender Rate: 24.00%
Automatic Funding: Yes
Percent Funded: 100%
Monthly Payment: $516.88
 
Borrower: jcintx333
Location: TX
Group: VHV
Group Fee: 1.00%

Credit Profile
Credit Grade: E Homeowner: No Account Verified: Yes Debt To Income: 52%

Extended Credit Data
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Listing Description
I am looking to consolidate all of my high rate credit cards into one monthly payment that I can pay off in 3 years or sooner.  I have never had a late payment on anything, but my FICO is low because I am maxed-out on some of the cards.  I am relisting this ad because I was able to negotiate a 10.9% rate on my Chase Visa due to my excellent credit/payment history in the 4 years I've had the card.  My ex-wife ran up the bulk of the cards when I was deployed to Iraq for 8 months.  When I returned, she was gone.  I also spent some money to help my sister through college.  Though it was money well spent, my payments every month don't seem to make a dent in the total balances I have due.I am career military and would make a great loan candidate as I could lose my career for failing to pay my debts on-time.  I value my pension and career too much to ever pay anything late, ever.  The $13K I am desiring would consolidate all of my credit cards into one payment.  The only debt I have besides my credit cards is a vehicle loan with USAA for $385 a month.  I have a long relationship with USAA for my banking, vehicle loans, insurance and investments.  Please help me consolidate my debt so I can cancel the cards and say goodbye to 27% interest rates and 20 years of payments for stuff my ex-wife took with her. 

My monthly balance sheet is as follows:

Take Home Pay: $3300

Rent: $500
USAA Car Loan: $385
Insurance: $140
Utilities/Cable TV: $135
Cell Phone: $50
Food/Gas: $250
Credit Card Payments: $720 (TO BE PAID OFF WITH FUNDS)

As you can see I currently have $1620 a month to pay any addtional loan...even more once I consolidate the credit cards. 

I am an honest guy who has never paid anything late, ever.  I want to pay off my credit cards as quick as I can and this loan will be my best/fastest way to do it.