LAST TRY! Not "HR" CR up 60+ Pts

Purpose of loan: First, I want to THANK ALL who funded my last loan! You ALL were a life saver for me and my son allowing me to afford to send him for his last year at the Virginia MIlitary Institute! He graduated May 15, 2009 and he is commissioned in the U.S. Army Reserves. This is the?fourth listing for this loan request. I am NOT "HR". I was rated "E" for my first Prosper loan and my credit score went up 60+ points. I DO NOT understand! I have now ran out of time and used all my savings to help my son and his fiance' with their NEW HOME. Now, I need this loan to pay off that Bank Of Delaware HIGH interest loan balance of $2600, and my two credit cards with a total balance of $2100. I DO NOT NEED THEM! I am tryng to be debt FREE! This loan will save me about $350 per month and allow me to put cash back into my savings. I know with the times like they are now lenders start to "cringe" when they see "HR", but I guarantee you that this will be the easiest and fastest 35% earnings on your investment you will see. I will be paying off my first Prosper loan in the next 5-6 months and this loan will be paid off within 18 months! Any lender who requests, can have my home phone, work phone and ANY documents you wish to see! You WILL NOT go wrong or take any loss on this investment! Thanks for looking and I hope you WILL help me to better my credit score and GET RID of my LAST?high interest?debt!

My financial situation:
I am a good candidate for this loan because I have a previous loan with Prosper and NEVER had a late pay, NEVER missed a payment and NEVER had any insufficient funds in my bank account! I am VERY TRUSTWORTHY with my debts! I work VERY hard to regain?the EXCELLENT credit score I once had!?My husband was burned in a fire with 2nd and 3rd degree burns on 35% of his body which put him out of work for about 6 months! That's when his and my credit score went down. That is in the past and we are doing fine now, thank GOD! Our credit score continues to go up! We make enough money to offer that 35% in returns!?Thanks for looking!!! Hope YOU CAN HELP!!!

Monthly net income: $ 3386 (myself)? $2800 (husband)

Monthly expenses: $ 1480
??Housing: $ 350
??Insurance: $?80
??Car expenses: $?125
??Utilities: $ 100
??Phone, cable, internet: $ 75
??Food, entertainment: $ 250
??Clothing, household expenses $ 75
??Credit cards and other loans: $ 425

truckdrivin has bid a total of $30.00 in winning bids.

"I am sorry her last listing did not get fully funded. I have known VMIMOM for about 12 years now and she and her husband work VERY hard to make sure they pay their debts! If I had the whole $5000 to lend her, I would! She ALWAYS makes sure her kids have what they need. Their 22 year old son is now in the military reserves and she has raised him to have respect and be responsible with upcomming debts. They ALWAYS think of and take care of others BEFORE themselves! You WILL NOT lose out on this!"

Q: Please explain the public record and the delinquincies. Thanks. - tigercat

A: Hello, They were old from when my husband was burned in a fire and out of work for almost 8 months. They were paid off a few years ago thats why it shows amount delinquint is $0. How do I get them off my credit report? Thanks for the question and your interest! I really appreciate that! (Sep-18-2009)

Q: Thanks for your answer - I've place a bid. Good luck with your listing. - tigercat

A: THANK YOU very much for your trust!!!! I promise you and any other lender WILL NOT go wrong!!! (Sep-18-2009)

Q: Hey VMImom-- I'm with you. LENDERS WAKE UP! Ln <10k, No Home, Friend bid, Inqs<2, Prev Prosp Loan: 37 loans like this have been made- fr A-E credit NO DEFAULTS no DELINQS. Borrower hosed due to Bk Util of 120% on $2400-- Nuts! I'm in. Good luck VI! - bondhedger

A: Thanks for understanding!! It is nuts!! Thank you VERY MUCH!!!!!!! (Sep-29-2009)

Q: My funds transfer FINALLY came through - I just bid all I have in my account. Hope it helps you make your goal. - tigercat

A: Thank you very much. I greatly appreciate it. I hope it will get funded. (Sep-29-2009)

Purchasing a Cello for my daughter

Purpose of loan:
I am seeking a loan for the purpose of purchasing a cello for my daughter. She has been playing a rental instrument since the 4th grade. She has just entered high school and has reached the point in her playing where her she needs an instrument of her own. She is very talented and I want to support her in her love of playing!??

My financial situation:
As a result of my divorce three years ago I was forced to file for bankruptcy. Since that time I have been successful in rebuilding my credit, although it is a slow process. I have not had one single late payment during this period of time. I am a hard-working, financially responsible individual who holds a full-time as well as a part-time job. ? I welcome any questions you may have, and I thank you in advance for your consideration!

Monthly net income: $2250

Monthly expenses: $
??Housing: $ 530
??Insurance: $?80
??Car expenses: $?250
??Utilities: $ 50
??Phone, cable, internet: $?80
??Food, entertainment: $?300
??Clothing, household expenses $?50
??Credit cards and other loans: $ 150
??Other expenses: $ 550 (child support)

Slow & Steady Progress

Purpose of loan:
I work full time as a salaried IT guy during normal business hours, and take classes online in the evenings. I am at the end of my final year of college (3.3 GPA)?and trying to finance the gap between my financial aid and the cost of attendance. Unfortunately, due to the tight lending market, traditional lenders are basically no longer writing private student loans to anyone without immaculate credit or cosigners.? While I have managed to cover most of the gap myself?this year, I am down to my final three classes, and would like to wrap this up pronto.

The loan is for:
The amount I am listing for would pay off my existing prosper loan (which has 11 payments remaining and?$1755 due) and the balance of what I owe for tuition and books for my final three classes ($3221), in time to graduate with a Bachelors of?Science by Christmas.

Why it's a safe bet:
When I?first listed on Prosper about 2.5?years ago, my credit rating here was an E. It is now up to a C. My prosper score is a 9/10 -?the payments on my last?successful listing?are automatically debited from my checking account, and I have never been so much as a single day late. Since receiving my last loan, I consolidated all of my debt,?paid off my car and dramatically improved my credit management skills. I no longer have a million maxed out cards - now using?only two?regularly (for emergencies and things like books, software and necessities, etc that I need to spread out payments on). The rest are kept open with only minimal balances to keep my credit score moving in the correct direction.? I also have no delinquencies, judgements, collections, or recent?inquiries.

Paying personal property taxes

Purpose of loan:
This loan will be used to pay?two personal property tax bills.

My financial situation:
I am a good candidate for this loan because in addition to my steady income,?I will be receiving a lump sum?distribution within the next 15 days and will be able to pay the loan in full.

Committing to my soulmate!

Purpose of loan:
This loan will be used to purchase the dream engagement ring I've always wanted for my girlfriend.? I've been able to negotiate an amazing deal on a ring worth double the price and need some help making the payment in full.? There's a very good chance I will pay off this loan within a year considering my steady (and growing) income as compared to my low cost of living in Austin.? My credit score was significantly better but I was laid off for 4 months at the end of 2008 and struggled to keep my card balances low.? I have never been late on a single installment loan in my life and won't be starting now!? Needless to say, you will receive a great return from a responsible payer while helping to fulfill our dreams.

Thank you in advance.

My financial situation:
I am a good candidate for this loan because I consistently pay my bills on time and my income will continue to grow significantly for the next few years.? I work in sales (with a $48,000 base salary, average of $1,200/month commission, most expenses covered by my employer) and have grown my income month by month since starting in this role.? It will continue to grow as I work in a very stable industry & location (healthcare in Austin), with a well-established, economically-conservative company that has grown over 20% year-over-year since its inception.

Monthly net income: $ 4,330

Monthly expenses: $
??Housing: $ 550 ($1100 split with my girlfriend)
??Insurance: $ 87
??Car expenses: $ 91 (with $300/month paid by employer, all gas included)
??Utilities: $ 124
??Phone, cable, internet: $ Paid by girlfriend
??Food, entertainment: $ 350
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 326
??Other expenses: $ 100

End of month available net income for savings/loan payment
$2,602

Consolidating bills/back to school

Purpose of loan:
I am consolidating my debt from diffferent areas to simplify my monthly payments and save some money. This consolidation would include?$14,400 spread over 4 credit cards (8.4%, 13%, 15%, 14.5%). The remaining $5,600 would be used for me to go back to school?and get my special education licensure (master's work) to continue teaching in my field.

My financial situation:
I am a good candidate for this loan because? I have never missed a payment in my entire life. Either way I am going to pay this debt off. This is not a matter of not being able to pay off my debt. By consolidating my debt I save money, by avoiding compunding interest and you make money with a much higher return than a 1% earnings in a?generic savings account.

I am a Special Ed teacher in Minneapolis, but I am on a variance and if I do not go back to school?they will not rehire me as a special education teacher. I am guaranteed a?regular ed. position which I would take, but I'm more passionate about working with?special needs students.?I make $40,000 a year with an oppurtunity to teach summer school and make an aditional $5,000.

I appreciate your time in reading this. Thank You.

to payoff bills/bumpup credit score

Purpose of loan:

My wife isn't a US citizen or permanent resident. She got a job offer in a different city. To help her work in US legally, I paid thousands for lawyer fees for her work visa (work permit), and then we spent another amount of money for her to settle down in that city.

Besides that, I had a loan from LendingClub one and a half years ago, and made my best paid it off about 1 month ago (I paid about $6000 within last 3 months for the loan).

So I was pretty much short of money last few months although I have a stable job with decent salary. To pay off those bills, I had to cash advanced money from two of my credit cards, which made my credit score dropped 50 points within last one month.

OK, now in order to pay off those cash advanced money from my credit card, bump up my credit score, and make me less stressed, I finally decided to borrow money again. Yes, like my last loan from LendingClub, I will try to prepay it as soon as I have extra money, but you can still earn most interests/money from me since most interests were paid to you at the first couple months of the loan.

(I can show you all my pays tubs within last 2 years, payment history for my last loan, etc.)

Thanks for your help.

Consolidating High Interest Debt

What is this debt?

This debt was accumulated mostly during the purchase period and ongoing year of my primary residence 18 months ago.? This being my first home purchase and one of my first major purchases of my life, I made some very bad rookie mistakes.? Namely I thought it would be a good idea to pay for some remodeling and household things with low interest credit cards which were available to me at the time due to my excellent credit.? Looking back, and living through the experience of owning a home now, I really wish I would of known about the FHA home improvement loan program which would of allowed me to have these expenses side by side with my mortgage.? In a naive way, I did not consider what would happen should the credit card companies decide to pull the rug out of underneath my plan, as has been the case with the the ongoing credit crisis.? It has been a game of dominos as one card after another has doubled / tripled the rates I was granted.? As I am sure any homeowner knows, there are unknowns and unplanned items of the first year owning a home and these caught me off guard.? Lastly, my mortgage people calculated my property taxes wrong and I was hit with the surprise of my mortgage jumping $216 during my second year to make up the escrow shortage for the first year, and subsequent increase to make sure its not short again.? I have 5 more payments to make up this escrow shortage.

These are not meant to be excuses or stories, just a statement of what has happened and with any experience or situation, there are lessons learned which prepare for future encounters.? That is the then, and now I have the plan for my future and the plan for fulfilling my responsiblity of paying off this debt.

The Plan
I have $1700 owed on a 401k loan from my last years in college.? I will be paying this off and then taking a subsequent loan out to pay off $11000 of debt.? Depending on the interest rate achieved in the auction, I will either be paying off this prosper loan with the proceeds or paying off more credit card debt while also clearing up my escrow shortage.

Cash flow realization a month from restructure and escrow catchup: ~$300

Income information?
Monthly income:??????
????Salary:?????????
????????Gross: ~$6500??????????
????????Net: ~$4500??????
????Rent:??????????
????????Roomate: $600

Monthly expenses:?
Housing: $1560 ; $1440 after escrow catchup??
Insurance: $110??
Car expenses: $516??
Utilities: $275??
Phone, cable, internet: $175??
Food, entertainment: ~$500 (roughly $100-125 a week)??
Student Loans: $700??
Credit Cards: currently $650??

Thanks!