Listing Profile Bid History Loan History
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Listing Title


Loan Information
Loan Status: Current Origination Date: 2007-02-28 Payments Made: 21 of 36 Total Payments: $7531.87 / $10000.00

Listing Summary

  

Borrower Info
Requested Amount: $10000.00
Lender Rate: 17.40%
Automatic Funding: No
Percent Funded: 100%
Monthly Payment: $358.52
 
Borrower: Ladybug2007
Location: AZ
Group: EverydayPeople
Group Fee: 0.00%

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

Extended Credit Data
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Listing Description
About my credit:
My debt to ratio is @ 31% this is due to recently separating. The debt was split between my husband and myself. I recently found out I have 3 delinquencies. These are being taken care of. My husbands Ex-wife is now paying her medical bill that was put on my credit due to the medical coverage being under my name.
My work history:
I have been working in the same field for the past 6+ years working in the Inside Sale Dept. for a transportation and logistics company.  Most of my career has been in Sales from retail to landscaping.
I have never been unemployed.
Current Job – Oct 04 to current Central Account Executive
Previous Job – Feb 2001 to Oct 2004
Inside Sales/Supervisor
Why I need the loan:
I have been juggling credit card balances for years now. I now know why I never wanted CC to begin with. I have cut up my CC and promised myself never use a credit card again other than for emergencies, which I will pay off at the end of the month. If I cannot pay for it in cash I DON’T need it. My goal it so pay off ALL credit cards, close the accounts and start doing things the right way. 
The bills I want to pay off:
American Express$2224.71 –18.24% monthly pymt $225.00 – No limit
Orchard Bank #1 $850.65 - 23.150% 45.00 monthly pymt $45.00 - $1100.00 Limit
Household Silver $2473.00 –23.150% monthly pymt $65.00 - $2700.00 Limit
Citi financial $6850.87 –25.150% monthly pymt $225.00 - $7600.00
My Amex card was charged up when I separated. I had to start over and needed items for the home.  The Citi Financial was for dental work that my son and myself had done. I have been paying on this for almost a year now and only only paid off $600.00 of the $7600.00 bill.  I don’t feel like I am getting very far with this.   Getting a Prosper loan would save me about $200.00 a month plus a ton in interest.
How I plan to pay prosper back:
I picked up a 2nd job during my separation and this is how I pay my credit cards. I make on average $1000.00 net a month from this job. My net for my first job is$2246.00. For both jobs, my net is $3246.00 monthly. Currently I pay $540.00 a month between the 4 cards I would like to pay off. Right now I feel like I am paycheck to paycheck and would like got get rid of the high interest cards and start putting money into my 401K as well as start a savings account for my kidsfuture as well as putting any extra money to the remaining cards, getting those paid off asap. I have committed to keeping my 2nd job until I am debt free.
My budget:
Rent $762.25
Car Insurance $145.58
Car $475.00
Electric $75.00 (more during summer months)
Cell Phone $55.00
Misc $70.00
Cable $75.00
Food & Gas $250.00
 Daycare $120.00 (monthly)
Meds(for son) $35.00Dr.
Visits(son) $180.00
I will continue making payments on the following cards until they are paid off. I would focus on one card at a time to pay off instead of putting extra to each card a month.
Sams Club $850.00 -23.150% monthly pymt$45.00- $950.00 Limit
Orchard Bank #2 $493.75 -17.65% monthly pymt $25.00- $600.00 Limit
Household Gold $400.00 –21.174% monthly pymt $25.00 - $600.00 Limit