Paying off my credit cards

Purpose of loan is to pay off credit cards

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

Q: Could you list the amount owed on the credit cards and the interest rates? Thanks. - rockhound84

A: one card the is about 1700. and 17% next card is about 600. and 14% next card is about 1500. and 19% (May-13-2010)

Q: Humans, this is an excellent investment, let's lend to this one! I know Prosper allows the borrower to pay in full up to 36 months. Will you go the distance or will you pay this loan off sooner? If so, in how many months? PS: Please answer publicly. - hektek22

A: I am hoping to have it payed off in a year or less Thanks (May-16-2010)

My loan for debt consolidation

I am planning to use this loan to pay a high rate CHASE credit card that has a very high interest rate that went into effect in the beggining of this year.? Also, i want to establish a great record in PROSPER.

I am good candidate for this loan as I have paid my bills on time and also have around $1,800 invested in PROSPER already.

My personal loan

This borrower was not required to write a description based on the listing's likelihood to fund.

Business Startup Capital

I am currently a full time Active Duty Army Officer?with the rank of Lieutenant Colonel in the Indiana Army National.? I will be retiring in 6-8 years, which, at that time, I will retire at about 40% of my current income.? I am seeking funds to start business which I can grow and in 6-8 years replace the loss of income.? I have narrowed my business choices down to three, all of which are franchises, and all of which can be started on the Near Eastside of Indianapolis.

My financial situation:
This loan is in the high risk area because of delinquencies that appear on my credit report from 2004.? During the summer of 2004, I consolidated all my student loans to reduce the interest rate and payments.? However, the timing was not exact, and I became delinquent when the consolidation was approved, and implemented, a few days after the original loans were due.? Over the past few years, my wife and I have successfully paid off the debts from her previous marriage, as well as her student loans.? I have paid off several credit cards ($3K worth) and two student loans ($6K) prior to that.? With the exception of the delinquencies (there were 9 student loans), I have not been late on anything since 2003.? My net income, after all bills, utilities, savings, food, expenses for the kids is currently $2K per month.

I am willing to provide other information as needed.

Q: Sir - do you have USAA? What amount and rate are they offereing? - JGuide

A: Short answer--I have USAA for my insurance requirements but not anything else. When i tried them in the recent past, they were not lending on unsecured business lines/notes/credit. That may have recently changed, but admittedly, I have not had reason to go back to them and re-check on a continuing basis. I hope this helps. (May-19-2010)

Q: Last I checked they were offering a 1 year 0% balance transfer (into your checking acount) for new members and for new USAA AMEX card holders. Also - if your car is paid off they will give you an auto loan ~6.8% on your own car. - JGuide

A: Thanks for the tip! However i bank with ING and Chase, unfortunately. (May-19-2010)

Pay off high interest credit card

The purpose of this loan is to pay off a high interest credit card. The?credit card has a current interest rate at 29.99% and a minimum payment of $150 per month. This loan would allow me to pay off this debt in 36 months or less as compared to 49 months by making the same $250 per month payment that I currently make.

I feel like I am a good candidate for this loan for several reasons. First, my credit rating is good, and getting better by the day. The 3 delinquencies that are on my credit report are all from 2004. Unfortunately, I was unemployed for 6 months during that time period. Prior to that time period, I had perfect payment history. I have also had perfect payment history since that rough time in my life. Secondly, I am currently employed for an extremely sound and profitable company. I have been moving up the company ranks for over 5 years. Finally, my debt-to-income ratios are good. If you include my mortgage, my final ratio is at 43%.

If you have any other questions or concerns, please do not hesitate to contact me and ask. I will be more than happy to answer them for you. Thank you in advance for your consideration on this loan proposal.

My loan for debt consolidation

This listing has a higher likelihood to fund and therefore does not include a description. If you would like additional information from this borrower, please ask a question in the Q&A section below.

Roof needs repair!

Purpose of loan:
This loan will be used to repair the roof on our home. With all the rain we've had lately, it's starting to spring small leaks and we'd really like to repair them before we have to replace the entire roof. If there's any left over, we will also be installing more secure front and rear doors. They are flimsy and aren't very secure. We have 2 granddaughters living with us at this time and haven't had the opportunity to save a great deal.
My financial situation:
I am a good candidate for this loan because I have been employed with the sheriff department for over 10 years and am also chief deputy coroner for our county, as well as assistant fire chief for our volunteer fire department. I work on squad cars and generate additional income at times. My wife also contributes as an autopsy assistant, which brings in extra income, but is not included in my income.

Monthly net income: $ 2400.00 ???? ????

Monthly expenses: $ 1173.00
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $

Q: Can you explain the public record and the two delinquencies - the-profit-oracle

A: In 2000, we filed bankruptcy after I changed jobs for less pay and my wife had a heart attack and was unable to work for 4 months. We lost everything we had and started all over after 20 years of marriage. We were able to buy a home in 2008. We now have recovered and only have 2 payments (home & 1 car). My Transunion score is 707 and does not show any delinquencies. We haven't made a late payment in several years. We are still fighting to have discharged bills removed from our report. (May-18-2010)

My personal loan

This listing has a higher likelihood to fund and therefore does not include a description. If you would like additional information from this borrower, please ask a question in the Q&A section below.

Personal Loan for LPN-RN School

Hello, I am a licensed practical nurse (and licensed social worker, if contacted you can verify my licenses on-line) in a LPN to RN program at Excelsior College in New York. NOTE: I filed Chapter 7 bankruptcy in 2005, primarily credit card debt from a failed small business. The delinquencies are from prior to that, NO DELINQUENCIES since 2005, 100% on-time payments since 2005. NOTE: I have four credit cards, unsure why they say I have 17 revolving accounts. I will provide release if you want to review any credit agency report on me. When I finish this program in November my pay, as an RN, increases 20% immediately. Your loan will be paid back on time. Thank you, Jeff

Consolidating small debts

Purpose of loan:
I will use this loan to consolidate a couple of small, high-interest debts.

My financial situation:
I am an excellent candidate for this loan because I am vigilant about paying all of my bills on time every month.

Monthly net income: $ 2496

Monthly expenses: $ 1958
??Housing: $ 608 (The entire mortgage payment is?approx. $1200 but I split all expenses with my sister who lives with me).
??Insurance: $ 92
??Car expenses: $ 318
??Utilities: $ 150
??Phone, cable, internet: $ 90
??Food, entertainment: $ 200
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 350
??Other expenses: $ 100

My loan for debt consolidation

This listing has a higher likelihood to fund and therefore does not include a description. If you would like additional information from this borrower, please ask a question in the Q&A section below.

Consolidate (1st Loan Pd 6 mnths)

Purpose of loan:
This loan will be used to pay off 4 credit cards and have the payments wrapped up into one easy direct deposit payment. I am on schedule to have these cards paid off in 3 years anyways, but by reducing the amount owed and increasing the %'s available right now, I'm hoping to see my credit score rise significantly over the next 6-8 months.

My financial situation:
I am a good candidate for this loan because my husband and I are very well organized and have our finances under control. We are ahead by 2 months or more on all loans and credit cards. We fell into a rough patch?two years ago while trying to sell our house, but?we closed on it?last?year and it is out of our names for good!?The other past delinquent is from 5 years ago when I got my brother a cellphone, he neglected to pay, I cancelled the account,?and the $200 bill was turned over to a collection agency (I have/will?never do that again!). Our credit score has been steadily climbing and our debt is steadily declining each month.

My monthly net income: $2,022
My husband's monthly net income: $800
Total monthly net income- $2,822

Monthly expenses
??Housing Rent: $550.00
??Insurance: $50.00 (car, renters) (full medical, dental, eye, and life?insurance through?my company)
??Car expenses: $170.00
??Utilities: $100.00
??Phone, cable, internet: $75.00
??Food, entertainment, clothing, household expenses, cellphone: $500.00
??Monthly Savings: $220.00
??Daycare: $160.00
??Credit cards: $300.00 (all 4 cards will be paid off with this loan)
? School Loans: $400.00
Total: $2,525.00

Leftover each month for savings, addtl entertainment, addtl bills:$297.00

Q: How fast are you planning on paying off this loan? - Jinja

A: As of right now, somewhere around 24-26 months. Our first loan was paid off in 6 months because we were saving so much each month and it was accumulating in our savings account. We decided to pay it off thinking it would help our credit scores enough to buy a newer Jeep. It was a successful move because we recently traded in our 97 Jeep for an 05 Jeep and got a GREAT interest rate through my work credit union. (May-14-2010)

Q: How much do you have in savings? Thank you and Good Luck! - proton346

A: We currently have $1,000 in our savings account. We recently had to use a few hundred dollars to buy my husband's books for this semester of school because his grant wasn't available yet. (May-16-2010)