Paying off Credit Card Debt

Purpose of loan:
The purpose of this loan is to refinace my current Prosper Loan for a lower rate and?pay off?some high interest rate?credit card debt.?
My financial situation:
I am a good candidate for this loan because I have good credit and pay all of?my bills on time.
Monthly?Net Income:? $1800

Housing?????? $500
Insurance??? $48
Auto Loans? $325
Utilities??????? $112
Food??????????? $300
Credit Cards?? $300
Total??????????? $1585

Goal: 720+

Purpose of loan:
This loan will be used to pay off a $2300 credit card balance with HouseHold Bank. It will cost me $20/month more than what I am currently paying, which is already more than the minimum payment -- I always pay more than the minimums.

The long term goal is to raise my credit score and eventually buy property. Two years ago my credit scores were in the low 700's, and now simply due to tougher score formulas and reduced credit limits, my scores are in the 660's to 680's.? You can see that there are no delinquencies, foreclosures or bankruptcies on my record. I think that the key to getting back up to 720 is reducing my credit utilization and getting a bank installment loan on my credit report. Eventually, a mortgage will be possible!

My financial situation:
I am a good candidate for this loan because???
I ALWAYS PAY ON TIME. NOT ONE LATE OR MISSED PAYMENT IN SEVEN YEARS. My goal is to build credit, not ruin it. I have run my own technology consulting business for over eight years and I am blessed with a plethora of very loyal clients. I live simply and within my means and I take my financial obligations seriously.

Monthly net income: $ 3800

Monthly expenses: $ 2490
??Housing: $ 750
??Insurance: $ 100
??Car expenses: $ 240
??Utilities: $ 200
??Phone, cable, internet: $ 230
??Food, entertainment: $ 450
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 420
??Other expenses: $

Consolidating debt to raise score

Purpose of loan:
This loan will be used to?? pay off credit cards.? I have been working to improve my credit score and have gotten advice from people that the next big step for me is to reduce my revolving debt.? I realize that my credit show I have one delinquent account.? This is a bill for $24.00 that I have paid twice and am working on having removed from my credit report.

My financial situation:
I am a good candidate for this loan because? I am married with two children and my family means everything to me.? I am doing everything in my power right now to provide a secure future for them.? My wife and I are both college grads and have good paying jobs.? I know I paying back this loan will not be a problem since the monthly payment will be less than I am paying in credit card payments right now.? I currently have a Prosper loan that I have a perfect payment history on.

Monthly net income: $ 8000.00?(my wife and I)?

Monthly expenses: $
??Housing: $ 1450.00
??Insurance: $ 180.00
??Car expenses: $?600
??Utilities: $ 300
??Phone, cable, internet: $ 120.00
??Food, entertainment: $ 400.00
??Clothing, household expenses $200
??Credit cards and other loans: $ 425

My loan for debt consolidation

Purpose of loan:
This loan will be used to pay off an extremely high interest rate credit card.? The rate was jacked up by more than 2x due to an error?with an?online payment.? I had two?"pay from" accounts and selected one?thinking it was the other.??The account?selected did not have sufficient funds because I thought I was using the other account, which?had more than sufficient funds.? The credit card issuer refused to reinstate my previous rate even when I immediately?corrected the issue after discovering it?two business days later.

My financial situation:
I am a good candidate for this loan because I have never been late paying any debt and never had had a debt charged off.

Monthly net income: $ 4025 take home, $7200 gross

Monthly expenses: $ 3400
??Housing: $ 990
??Insurance: $ 90
??Car expenses: $ 480
??Utilities: $ 250
??Phone, cable, internet: $ 160
??Food, entertainment: $ varies
??Clothing, household expenses $ varies
??Credit cards and other loans: $ 1050
??Other expenses: $ varies

Working hard to decrease debt

I am working really hard to bring down existing credit card debt but high interest rates are pushing me back down.? This loan will be used to reduce higher interest credit card debt.? I am a good candidate for this loan because I have not EVER been late on any payment.

Monthly net income: $10,200

Monthly expenses: $
??Housing: $2,700
? Utilities:$ 500
??Phone, cable, internet: $100
??Food, entertainment: $600
??Clothing, household expenses $300
??Credit cards and other loans: $2,200
??Other expenses: $ KIDS

Paying for sons Sr year of HS

Purpose of loan:
This loan will be used to pay for my sons Sr year of HS at a private school. He has done very well there the past few years and I do not want to pull him out before his senior year.?I had the money set aside but had some unexpected bills come up. The reason for my current financial situation was a pay cut in 2008 as well as about a 50% drop in annual bonus.

My financial situation:
I am a good candidate for this loan because my?salary is on the high side and my credit history is not terrible. If you look at my record I have been paying all creditors back and currently do not have late payments.?I do have stock options that are currently on the low side. I do expect these to increase in the next few months and then pay this loan off at that time. I also receive an annual bonus in February that will be around $25,000 this coming year. I would not plan on having this loan outstanding for more that 6 to 9 months. I?am currently on a payment plan with the IRS for taxes owed from 2008, that is the public record that is currently listed on my credit report.

Monthly net income: $ 8500

Monthly expenses: $
??Housing: $ 2500????
??Insurance: $ 400
??Car expenses: $ 750
??Utilities: $ 500
??Phone, cable, internet: $ 200
??Food, entertainment: $ 800
??Clothing, household expenses $ 250
??Credit cards and other loans: $ 750
??Other expenses: $ 500

Pay Off Summer Credit Card Use

Purpose of loan:
This loan will be used to pay off summer 2010 credit card use surge. I am a tenured college professor who is paid on a nine?month contract. From June-Aug my income is reduced to $2-3,000 a month (online classes) and I run up my credit cards until my income stream resumes in September. It does not help that my children AND my wife's birthdays are in the summer. My credit card interest rate, depending on the card, can be as high as 29%. I would MUCH rather pay a lower loan rate to my fellow prosper lenders.

My financial situation:
I am a good candidate for this loan because I'm employed by a state institution?as a assistant professor of computer information systems. I have?tenure - which means I have wonderful employment security - and it does not hurt that CIS unemployment is currently 2.2%.??My house mortgage is the only thing not paid for in full. I have already obtained and paid off a previous loan listing (#43773).

My September 2010 - May 2011 bi-weekly take-home paycheck is $2,900.00 plus another $575 monthly from the VA. This does not reflect the $39,000 I earn each year as a online PT professor for other schools.My monthy expenses:$2600 - mortgage, insurance, taxes, etc.
$? 600 - Food
$? 200 - Insurance
$? 200 - Utilities
$??? 80 - TV, Internet,
$??? 99 - Cell phones
$??? 30 - Pet insurance$3809 - TotalAs you can see the 1st bi-weekly check plus the VA check pretty much covers all our expenses. I can EASILY cover the monthy automatic payment.

Debt Reduction

Purpose of loan:
This loan will be used to? Consolidate debt into one place to pay.? Also to reduce the high credit card interest payments, currently 29%

My financial situation:
I am a good candidate for this loan because? While I have had a few problems that resulted from a messy divorce, I am a military officer who has integrity and will honor my obligations to repay this loan.

Monthly net income: $ 5600

Monthly expenses: $
??Housing: $ 800
??Insurance: $ 250
??Car expenses: $ 215
??Utilities: $ 60
??Phone, cable, internet: $ 60
??Food, entertainment: $ 150
??Clothing, household expenses $ 150
??Credit cards and other loans: $?600
??Other expenses: $ 200

Paying off my credit cards

Purpose of loan:
This loan will be used to pay debts

My financial situation:
I am a good candidate for this loan because I will pay back faster

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $

Getting rid of Chase!!

Purpose of loan:
This loan will be used to pay off my Chase Credit card. I have not used my credit cards for about 10 mths now and I am slowly paying them down.

My financial situation:
I am a good candidate for this loan because I am a bank manager for a AA+ rated Retail Bank and have a strong income and low DTI. My Wife also makes $60k/yr and we are giving ourselves 3 years to get debt free and close out our credit cards. I had one late payment on a Chase card (vacation) and they bumped me up to 24.49%. I was recommended to prosper.com from a good friend and I hope to be able to get a better rate and rid myself from Chase Bank.

Monthly net income: $5,200

Monthly expenses: $ 3411 (incl. Mortgage)
??Housing: $ 2058 Mortgage
??Insurance: $ 219
??Car expenses: $ 50 gas
??Utilities: $ wife pays
??Phone, cable, internet: $ 34.00
??Food, entertainment: $ 200 (split w/wife)
??Clothing, household expenses $ wife
??Credit cards and other loans: $ 800.00
??Other expenses: $ 50 dry cleaning approx.

Paying my CC debt off in 2010!!

Purpose of loan:
I am looking to pay down Credit Card debt. Like many people the Credit Card companies are raising my rates and i would like to take control of the situation.

My financial situation:
I am a good candidate for this loan because? I have a good job with a stable company.? I have an excellent history of always paying my personal bills and the household bills (mortgage, cable etc.) are all handled by my husband while i get my debt taken care of.? I was laid off from work a month before my wedding and now that i have found work with a great company, the 1st thing i want to do is take care of my credit card debt so my husband and i can move forward and start a family :)

Monthly net income: $? 2400

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 120
??Car expenses: $ 423
??Utilities: $ 0
??Phone, cable, internet: $ 0
??Food, entertainment: $ 75
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 900
??Other expenses: $ 200

Having a baby

My wife is due in September with our first child, a girl. We are trying to get ourselves in better financial shape before she arrives so that my wife can stay home with the baby. This loan would be used to do just that. We would pay off all our credit cards, which total apx. $5000 and a personal loan that totals apx. $5000. The remaining balance would be put towards some necessary baby items. We are responsible people who always pay our bills on time. This loan would simply allow us to consolidate and have one monthly payment at a lower interest rate. Thank you.

Second Prosper Loan, 0 Late 7 years

My partner and I own an appraisal firm in Brea Ca, 92821 K&N Appraisal Services. We are currently operating with a part-time underwriter, 2 Sales Reps (commissions) and?myself, charged with marketing the firm, soliciting new city business and customer service. We have completed over 600 appraisals, have a perfect Better Business Bureau rating and have been in business over 6 years.

I joined the firm in 2007 after graduating in 2006 from San Francisco State University. We rent an office in Brea, CA for $500 a month+ Cable+ ATT. We are in the black each month and we can assure payment on the loan. We can provide proof of income and we are a publically listed company. Last two years of revenue were over $100,000.00 (100K).

I am looking to secure this loan to pay off my high interest credit cards and stay out of debt for good!!!

My financial situation:
I am a good candidate for this loan because? I am making $55,000 a year plus bonuses and my credit score has improved over 80 points since my past loan. In 2006 I secured a loan from prosper for the $12,000 and made all of my payments on time every time. Borrowers can bid confidently that?I am?not going anywhere. Business is booming,

Monthly net income: $3,600 Monthly

Monthly expenses: $
Housing: $ $400 (Roomates)
Insurance: $100
Car expenses: $25
Utilities: $40
Phone, cable, internet: $25
Food, entertainment: $ 20
Clothing, household expenses $25
Credit cards and other loans: $ 150
other expenses: $100

Save My Savings! Security Dep. Help

Purpose of loan:
This loan will cover a $1600 security deposit for my new home.? I applied for a larger loan on Prosper to cover this amount as well as other fees for the move and to pay off a high interest credit card, but that loan wasn?t fully funded.? So I decided to use the majority of my savings for most of those things, including the credit card; I figured there was no point paying 30% interest when I had savings only earning 1%.? Rather than use the last of my savings, though, I would prefer to get a loan for the remaining funds I need.

Financial situation:
I am a good candidate for this loan because:
1.? My credit rating range is 720-739.
2.? I have no late payments and no delinquencies.
3.? I have significantly less debt than my credit report reflects due to a divorce settlement and subsequent sale of a business.
4.? I only have 1 major credit card that I am responsible for paying. ?
5.? My income allows for $71 to be paid back per month.

Monthly net income: $ 5033
Monthly expenses: $ 3959 ? (My profile contains a detailed breakdown.)

Please Note:? Last week Prosper stated I was HR with an 18% loss risk on a $6500 loan; this week it says there is a 36.6% risk on a $1600 loan.? I don?t know why there was a change, especially since the loan amount decreased dramatically and no statistics have changed.? I can most definitely afford the $71/mo. payment, though.

I hope you will consider funding my loan, and I thank you for your time.

Remodeling the Family Room

Purpose of loan:
This loan will be used to?Get rid of a high interest credit card and do some home improvement.?

My financial situation:
I am a good candidate for this loan because?I have improved my credit?greatly?over the past couple of years and I know I will have no trouble paying this back.??As you can see my credit score is in the 700's and I am not a risk.

Monthly net income: $ 3700.00

Monthly expenses: $
??Housing: $ 1400.00
??Insurance: $ Included in?house payment
??Car expenses: $ 600.00
??Utilities: $ paid by husband
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $ 200.00
??Other expenses: $

paying down debt

Purpose of loan:
This loan will be used to?
pay down my debt on my credit and store cards.
My financial situation:
I am a good candidate for this loan because I never been late ever and I am highly responsible when it comes down to paying my bills.

Monthly net income: $ 6451

Monthly expenses: $?3675
??Housing: $?1500
??Insurance: $ 100
??Car expenses: $ 700( new)
??Utilities: $ 200
??Phone, cable, internet: $ 250
??Food, entertainment: $?300
??Clothing, household expenses $ 100
??Credit cards and other loans: $?400
??Other expenses: $ 125

putting on new roof and porch

Purpose of loan:
This loan will be used to?put a new roof on my home and?fix floor on front porch?

My financial situation:
I am a good candidate for this loan because..
Monthly net income: $ 3050

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $

Pay off Smaller debts to get free

2nd loan with Prosper


Purpose of loan:
This loan will be used to?? Pay off all the little debts and get ahead and have financial freedom I have worked all my life and have got a little behind.

My financial situation:
I am a good candidate for this loan because? I am a hard worker and retired school teacher. I have just got a little behind and want to get cought up and have peace in knowing that I am on my way to financial freedom

Monthly net income: $ 4500.00

Monthly expenses: $
??Housing: $ 460.00
??Insurance: $ 150.00
??Car expenses: $?600.00
??Utilities: $ 0
??Phone, cable, internet: $ 80.00
??Food, entertainment: $ 200,00
??Clothing, household expenses $200.00?
??Credit cards and other loans: $ 400.00
??Other expenses: $ 0

Please Help a former teacher get finacial freedom!!

Repairs for truck

Purpose of loan:
This loan will be used to?

My financial situation:
I am a good candidate for this loan because?

Monthly net income: $

Monthly expenses: $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $

Would like to consolidate bills

Purpose of loan:
This loan will be used to? consolidate bills

My financial situation:
I am a good candidate for this loan because?I have a steady job, and although I had a bump in my past credit history, I have been faithfully paying all monthly bills I may have. This only includes my income, not my husbands so, I don't want anyone to think I'm already strapped right off the get go!

Monthly net income: $ 2100.00

Monthly expenses: $
??Housing: $ 1000
??Insurance: $ 150
??Car expenses:??
??Utilities: $?75
??Phone, cable, internet: $120
??Food, entertainment: $ 100
??Clothing, household expenses $200
??Credit cards and other loans: $ 200
??Other expenses: $

Paying off American Excess Card

Purpose of loan: Pay off credit cards. I'm trying to *reduce* the amount of debt that I owe more quickly rather than increase the debt that I owe.

My financial situation: I am a good candidate for this loan because I've never had a late payment on any loan that I've ever had, including Mortgages, Credit Cards, Utilities, etc. I'm still capable of paying for the credit card debt that I have at this point, and I have a stable job with a bright future, but I'd rather pay other hardworking American Investors interest rather than huge credit card companies. Please fund my loan, and I will not let you down!

Monthly net income: $ 6100 / month
Monthly expenses:
Housing: $ 1800
Insurance: $ 125
Car expenses: $ 200
Utilities: $ 300
Phone, cable, internet: $ 270
Food, entertainment: $ 1200
Clothing, household expenses $ 150
Credit cards and other loans: $ the total minimum payments between my two credit cards right now are about $900, but I'm looking to make similar payments on one or more loans to pay off the balances in 60 months.
Other expenses: $ NO CAR PAYMENT 3 vehicles paid off

Relist: a 2nd car for my family

I am relisting this loan request. The original loan request was canceled per Prosper's message, there was a bug in the system? which caused my credit score to calculate inaccurately. I am hoping this time around we will get the loan funded....

Purpose of loan:
This loan will be used to? buy a second car for my use

My financial situation:
I am a good candidate for this loan because? I have already repaid back the prosper loan with no late payments, all our bills are paid on time and with my credit cards, we pay more than the minimum to help us get out of debt a lot faster.

Monthly net income: $ 6548

Monthly expenses: $ 4866
??Housing: $ 1769
??Insurance: $ 112
??Car expenses: $ 485.45
??Utilities: $ included in rent
??Phone, cable, internet: $ included in rent
??Food, entertainment: $ 1000
??Clothing, household expenses $ 500
??Credit cards and other loans: $ 1000 (we pay more than the minimum)
??Other expenses: $

Paying off credit cards!

Purpose of loan:
This loan will be used to pay off 85% of all my unsecured credit card debit. Currently with these high interest rates it will take 20+ years making the minimum payments.

My financial situation:
I am a good candidate for this loan because I pay all my bills 100% on time and would do anything possible to ensure all my bills are paid. I have a great job with complete job security.

Monthly net income: $ 3,500

Monthly expenses: $
??Housing: $ 550
??Insurance: $ 90
??Car expenses: $ 500
??Utilities: $ 150
??Phone, cable, internet: $ 60
??Food, entertainment: $ 150
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 800
??Other expenses: $ 400

Financing daughter's wedding

This may be the most secure high-interest loan you ever make!

Purpose of loan:
Pay for my daughter's wedding

My financial situation:
I am 50% owner (and lead developer) of a successful internet business that has served the news industry for the last 10 years.? My business did $750,000 last year, of which I took home $227,000 last year, and am on track for $300k+ this year.? The business is on a steady?growth trend, currently deploying 2 new large customers every 4-6 months, which has pretty much been our growth rate for the last several years.? I'll be glad to provide tax returns and business details on request. In the early stages of?building my business, I put all of my capital into my business, acquiring quite a bit of debt and several dings on my credit... the sacrifice one makes to keep things running.? I have never had a debt that I have not paid in full (a matter of personal integrity).

My perseverance has paid off bigtime.? Every single year, my income has grown, and finally two years ago, my income reached the point where I have since been?able to aggressively pay down debt, currently making extra debt payments of about?$2.5k+ per month.??This strategy?has resulted in me currently being cash-poor, but on a solid track to being debt free in the next 12 months.

Unfortunately the?strategy has left me without enough cash on hand to respond to this?unexpected and important?expense.

This will probably not be a 36 month loan, because I will likely pay it down sooner, especially if the interest rate?is high.? However, you can be sure to enjoy a?healthy?return on your money for the?time that I am borrowing it.

Monthly net income: $ 11,500

Paying off credit cards

Purpose of loan:
This loan will be used to consolidate and pay off my credit cards.? I have several cards, and I would like to use this loan to pay those cards off, because my interest rate and payment will be lower by paying the prosper loan.

My financial situation:
I am a good candidate for this loan because I have always paid my debts.? I have never had a deliquent payment, have never filed for bankruptcy, and I have a good steady income as a firefighter.? I am very thrifty with my money, take seriously my financial responsibility to pay my debts, and follow a strict budget.

Monthly net income: $ 4,200

Monthly expenses: $ 3,400
??Housing: $ 1652
??Insurance: $ 123
??Car expenses: $?250
??Utilities: $?250
??Phone, cable, internet: $ 125
??Food, entertainment: $ 400
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 500 (to be paid off with this loan)

Thank you for your consideration of funding my loan.

New Roof and new windows.

Purpose of loan:
This loan will be used to? Having a new roof put on and some desperately needed windows, a total of 5 for now.

My financial situation:
I am a good candidate for this loan because? I have had 100% on time payments with Prosper, and I recently (today) paid off my loan 10 mo's early.

Paying off some high interest loans

Purpose of loan:
This loan will be used to consolidate and payoff some high interest loans

My financial situation:
I am a good candidate for this loan because?
Im trying to get my credit to higher score? and by consolidating these loans it will make it easier for me to payoff this loan quicker
Monthly net income: $ 3600

Monthly expenses: $
??Housing: $ 975.00
??Insurance: $
??Car expenses: $
??Utilities: $ 65.00
??Phone, cable, internet: $ 200.00
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $

Paying off my credit cards

Purpose of loan:
This loan will be used to?? To payoff all my credit cards. I learned my lesson to never open up credit cards accounts again.

My financial situation:
I am a good candidate for this loan because?? I've been with the company for 12 years and I am very responsible person. These credit cards are killing me with their interest rates.

Monthly net income: $
2,000
Monthly expenses: $
??Housing: $ 700
??Insurance: $ 69
??Car expenses: $?60
??Utilities: $ 80
??Phone, cable, internet: $ 80
??Food, entertainment: $ 100
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 500
??Other expenses:

home improvement

Purpose of loan:
This loan will be used to?
remodel kitchen
My financial situation:
My wife had brain surgery in 2006.?? She can not work .? I promised her before the surgery that we will get the kitchen remodled.??I have listed this listing for the fourth time.? My family has helped me as much as they can.??If any one out there can help me get this loan, it wll be greatly appreciated.??Thanks.
onthly net income: $ 2800

Monthly expenses: $
??Housing: $ 750
??Insurance: $ 70
??Car expenses: $ 389
??Utilities: $ 185
??Phone, cable, internet: $ 0 (work for cable company)
??Food, entertainment: $ 100
??Clothing, household expenses $ 100
??Credit cards and other loans: $
??Other expenses: $

Pay off Payday loans

Purpose of loan:
This loan will be used to?
Consolidate payday loans
My financial situation:
I am a good candidate for this loan because? I can make the monthly payment

Monthly net income: $ 2,800

Monthly expenses: $
??Housing: $ 1,500
??Insurance: $ 400 yearly
??Car expenses: $ none paid off
??Utilities: $ 60 monthly
??Phone, cable, internet: $ 129.00 monthly
??Food, entertainment: $ 50.00 every two weeks
??Clothing, household expenses $ 30 monthly
??Credit cards and other loans: $?200.00 every two weeks
??Other expenses: $

Buying a used car

Purpose of loan:
This loan will be used to buy a used car as the previous car finally died.

My financial situation:
I am a good candidate for this loan because I've always paid ontime.? I do not like to be in debt except for emergencies and to build a credit history as I am new to the US.? My wife's income is not reported per Prosper's rules, but she makes about $1200 a month as a waitress.? A good friend who is a Prosper lender referred me and will be bidding.

Monthly net income: $ 1400

Monthly expenses: $
??Housing: $ 800
??Insurance: $ 20
??Car expenses: $ 60/mo
??Utilities: $ included in rent
??Phone, cable, internet: $ included in rent
??Food, entertainment: $ 250
??Clothing, household expenses $ 25
??Credit cards and other loans: $ 50/mo, I keep a balance to establish credit as I new to the US.
??Other expenses: $ 20
Please remember that the financial information above are my own.? My wife's income is not included.

Paying off credit cards

Purpose of loan:
This loan will be used to pay off higher interest rate credit cards

My financial situation:
I am a good candidate for this loan because I have a solid credit rating and high, steady income.

Outrun The Stagecoach

Purpose of loan:
This loan will be used to advertise website (outrunthestagecoach.com) in high profile places (like runnersworld) that will be used to:

1) Raise money to pay down principal of my mortgage faster.
2) Refer people to Prosper who have good credit and no equity in their homes.

My financial situation:
I am in the process of getting loan payment from Stagecoach (Wells Fargo) modified.
From research I have been doing, it appears that getting a loan modified with Stagecoach is not the path I want to go down.
If I can generate enough income with this site I can pay down the mortgage and other debts so that they become manageble
and avoid BK (I don't feel right about going down this path either?- especially with the investors who were kind enough to fund my first loan).

Monthly net income: $ 5,300 (verifiable)

Monthly expenses: $
??Housing: $ 1811 (in second year of 10 year i/o then 20 years fixed at 6.5%)
??Insurance: $ 96
??Car expenses: $ 100
??Utilities: $ 230
??Phone, cable, internet: $ 208
??Food, entertainment: $ 500
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 1450

New Start New beginnings

Purpose of loan:

Maternity leave, blinds and sprinklers

About Me:

I have worked at a local hospital here in?California for?the past?7 years?as a Respiratory Therapist, and?recently?purchased my first home in May 2010. I am also the daughter of a pastor so I am actively involved in my local church and community..?If you would like to know anymore information or have questions just ask.

Explanation of borrower's credit profile

The $84 showm above is from Columbia House & has been resolved.

My financial situation:

I am on good financial footing because?I pay all?my bills on time and?take my financial responsibility very seriously. I also have great job security during these tough economic times so making my monthly payments wont be a problem.

Monthly net income: $ 4,900

Monthly expenses:
??Housing: $ 1,786
??Insurance: $77
??Car expenses: $450?+ Gas $150?
??Utilities: $?350
??Phone, cable, internet: $ 130
??Food, entertainment: $ 500
??Clothing, household expenses $ 300
??Credit cards and other loans: $?105
? Medical expenses : $70
??Other expenses: Tithes 10% of? take home Total = $490

Total monthly expenses?= $ 4,408

Help pay property taxes and bills

Purpose of loan:
Hello, I just wanted to start off saying i had a active listing with my Prosper Score at 7 just last week and withdrew it to join a group and now listing this and my score was a 2 for some reason then Prosper cancelled my listing because they made errors in people's score they said, but my score is still lower than before so i'm not sure why that is. This loan will be used to help my parents and myself pay bills for a six family building we own in NY. We will have 3 apartments vacant( 2 due to moving tenants and other apt is used for storage as we're fixing our own apartment) by the end of July and will have to do some retouching up before re-renting them but we have some bills that need to be paid which include mainly the the property tax, water bill, insurance, etc, which overall add up to over a few thousands of dollars and we don''t have enough money right now to pay off all of them. Any help would be much appreciated, thank you.

My financial situation:
I am a good candidate for this loan because I currently make anywhere from $1,800-$2,500 a month, and would be able to pay off the debt before the 36 months, but i know Prosper lists this as a 36 month loan, so i'm willing to pay the extra interest? make payments every month for the next 36 months to get this money within the next few weeks because the extra money would definitely help me and my parents out within the next few months with paying off most of these bills. *Also please note that even though my revolving credit balance it at $24k, only about $7k is my own, the rest of that is my parents credit card accounts that i am linked with.

Monthly net income: $ Anywhere from $1,800-$2,500

Monthly expenses: $
??Housing: $0(owns the place living in)
??Insurance: $0
??Car expenses: $200
??Utilities: $150
??Phone, cable, internet: $150
??Food, entertainment: $400
??Clothing, household expenses $200
??Credit cards and other loans: $200
??Other expenses: $100

Downsizing

Purpose of loan:
This loan will be used to? purchase a car outright worth 7500 and i have?the $5000, but I'm short and the man wants to sell fast. This will allow me to sale my gas?guzzler.????

My financial situation:
I am a good candidate for this loan because? I am trustworthy and always pay my bills.

Monthly net income: $ 4300.00, but household net income of 7500.00

Monthly expenses: $
??Housing: $ 1850.00
??Insurance: $ 120.00
??Car expenses: $ 750.00????
??Utilities: $ 200.00
??Phone, cable, internet: $ 120
??Food, entertainment: $ 750.00
??Clothing, household expenses $
??Credit cards and other loans: $ 450.00
??Other expenses: $ 150.00

Debt Pay-Off

Purpose of loan:
This loan will enable to pay off all of my debts (credit cards) with the exception of my home and one vehicle.

My financial situation:
This loan would reduce $500 a month in CC debt to one $145 payment and help me improve my credit score.

Monthly net income: $ 5000

Monthly expenses: $
??Housing: $ 691
??Insurance: $ 300
??Car expenses: $ 571
??Utilities: $?300
??Phone, cable, internet: $ 100
??Food, entertainment: $ 100
??Clothing, household expenses $ 500
??Credit cards and other loans: $?500
??Other expenses: $

Trying Again - Pick Me

Purpose of loan:
This loan will be used to? consoladate.

My wish was to get a bigger loan and consolidate everything but I am willing to start small.
I signed up for myfico and have watched my credit score rise from 540 after the divorce to it's present score.?The1 deliquent bill is not listed on myfico nor did the Medical facility try to contact me.?Only after filling out this application did I become aware of this and have taken care of it.

Negative marks on my past credit is the result of a divorce.? Filing Bankruptcy was emotionally harder to do then divorcing the 185lbs oxygen thief that lived off of me for 15 years.? I sure miss my good credit and am looking forward to watching my credit score rise!


My financial situation:
I am a good candidate for this loan because??My goal is to eventually be a loan candidate with a good credit rating.??A good place to start is a small loan.??I am looking forward to the continued rise of my credit score and taking control of?how people view my financial responsibilities.?

Monthly net income: $ 2732

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 271
??Car expenses: $ 306
??Utilities: $ 200
??Phone, cable, internet: $ 268
??Food, entertainment: $ 300
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 100
??Other expenses: $ 315

Debt Consolidation

Purpose of loan:
I will be using this loan to consolidate current debts and medical bills all into one easy payment.
My financial situation:I believe I'm a great candidate because I?m one of the lucky few that have had a steady job for over five years now and continue to pay current creditors on time over and beyond the minimum payment that is due. I know what you?re asking, ?Why am I coming to Prosper.com?? Well, I?d much rather be paying you the interest than some big name creditor.

Monthly Net Income:
$3000.00Monthly expenses: $
??Housing: $ 0.00
??Insurance: $ 100.00
??Car expenses: $ 400.00
??Utilities: $ 0.00
??Phone, cable, internet: $0.00
??Food, entertainment: $ 0.00
??Clothing, household expenses $ 0.000
??Credit cards and other loans: $?250.00
??Other expenses: $Past delinquencies from 7 years ago are a result of being laid off from a previous job.

Finishing Basement

Purpose of loan:
This loan will be used to complete the last phase of remodeling for my basement and consolidate debt from earlier improvements into one loan.

My financial situation:
I am a good candidate for this loan because I have had two previous Prosper loans all paid on time or early. The?D rating is misleading because only 6 months ago my rating was A and I have had no negative issues since. I have had no problems since a bankruptcy in 2004. I would imagine because of my other temporary unsecured debt to fund this project, that it is?the reason for the high DTI and?may be causing this rating, but even so it seems way off to have such a negative impact here on Prosper. I have a pre-construction appraisal in place and it will increase my home value by approx 35,000. Once completed I will be obtaining a new lower rate mortgage which will payoff everything borrowed for this home improvement. I plan to pay this loan off within?18 months. If you want to make some guaranteed income for awhile I would appreciate your bids.

I hope the lenders will bid with confidence and understand this is not a typical?D rating nor do I feel?it is an?accurate reflection of myself.

I appreciate your consideration and bids.

Thank You in advance for your help.

debt consolidation

Purpose of loan:
This loan will be used to?
consolidate credit card debts????????
My financial situation:
I am a good candidate for this loan because?
I pay all my credit cards on time and all costs of maintaining our house.
Monthly net income: $
4,800
Monthly expenses: $
??Housing: $ 1,600
??Insurance: $ 150
??Car expenses: $ 350
??Utilities: $ 250
??Phone, cable, internet: $ 220
??Food, entertainment: $ 300
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 600
??Other expenses: $

My loan for debt consolidation

This loan will be used to continue in rebuilding my credit. I have been doing a great job rebuilding. I?ve paid off a lot of debt since my last prosper loan. My credit score has took a hit. The value of my real estate has decrease in value and I have decided to do a loan modification on my primary resident and my credit report is now reflect that move to lower my interest rate and is showing late payments. In order to get the mortgage reduction I had to fall behind. The mortgage reduction process was a nightmare with Bank of America but is now completed. I am a very credit worthy I have always pay my bills on time. I have always managed debt fairly well. I paid back my previous prosper loan of $7000. I now have money in the bank. I own rental property that I have a net profit with a very stable tenant who just signed a new lease for the fourth year. I provide safe and affordable housing. I believe in helping one another. I am a prosper lender and have a total of fifteen active loans with a balance owe to me of $1106.76. The inquiry on my credit report is an old bankruptcy that?s due to come off the report. On September 11 our grocery store took a dive along with the rest of America. We were forced to close the store and file. I have been rebuilding my credit every since.

Monthly net income: $ 2600.00

Monthly expenses: $1414.00
Housing, Utilities, Phone, Cable, Internet: $ 570.00
Insurances: $124.00
Car expenses: $80.00
Food, entertainment: $200.00
Clothing, household expenses $100.00
Credit cards : $240.00
Other expenses: $100.00

Debt consolidation

Purpose of loan:
This loan will be used to consolidate credit debts so I can effectively pay them off in one bill.

My financial situation:
I am a good candidate for this loan because I have an excellent repayment history. I do not make late payments, I honor my debts and I have never declared bankruptcy or defaulted on any loan.

Monthly net income: $ 3400

Monthly expenses: $
??Housing: $ 1080
??Insurance: $ 75
??Car expenses: $ 250
??Utilities: $ 50
??Phone, cable, internet: $ 100
??Food, entertainment: $ 500
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 500
??Other expenses: $