Repayment to Uncle Sam (IRS)

Purpose of loan:
This loan will be used to pay my debt to the IRS.

My financial situation:
I am a good candidate for this loan because I always make my?payments on time?and?improving my?credit score is a very high priority for me. I?ve been working towards paying off my ?high revolving credit balance,? but now that some of the credit rules have changed and reduced some of the credit limits, it makes your percentage of credit use look higher than it normally would. Not that I?m blaming the powers that be. I?m a responsible adult and will pay those bills down once?the IRS is taken care of. I do have documentation of this debt, if needed. I would rather take out this loan and pay a higher interest rate, than to make payments to the IRS. I have a great job that I love and I am very capable of repaying this loan with on time payments and an early repayment term. I recently got engaged and have no mortgage or rent to pay which gives me more income to make additional payments. I will pay this loan off quickly and free your funds back up for further investing.

Also as a second "reference" so to speak here is the link to my EBay Member Page. I've been a member since November 2002 and have a 100% positive feedback score. http://myworld.ebay.com/tiffanytwisted23


If you have questions please ask!
Monthly net income: $ 1524

Monthly expenses: $ 958
??Housing: $ 0
??Insurance: $ 108
??Car expenses: $ 285?
??Utilities: $ 0
??Phone, cable, internet: $ 60
??Food, entertainment: $ 150
??Clothing, household expenses $ 0?
??Credit cards and other loans: $ 305
??Other expenses: $ 0

That's over $600 remaining a month to pay you back quickly!

Paying off a state tax debt

Purpose of loan:
This loan will be used to?pay off a state tax debt that I have negotiated down over months and months.?
?

My financial situation:
I am a good candidate for this loan because my credit score is pretty good I have low debt ratio and usually pay for most of my belongings with cash.? I also have been at the same job for nine years. I am working on building my credit back up and this would really give me a boost especially since I have not been delinquent on any debt for over 5 years.?In the middle of building back up my credit report also as some old collection companies (for tickets) haunt me as well as the tax debt.? ?I look forward to your?help. Thank you for looking at my listing and helping me out. Any questions please ask me.?

Monthly net income: $ 7,7000

Monthly expenses: $
??Housing: $ 2,885
??Insurance: $ 325
??Car expenses: $ 200 (fully paid for)
??Utilities: $ 265
??Phone, cable, internet: $ 140
??Food, entertainment: $ 550
??Clothing, household expenses $ 600
??Credit cards and other loans: $ 225
??Other expenses: $ 550

nymoney has bid a total of $37.00 in winning bids.

Paying for Day Care - RELISTING

Purpose of loan:
This loan will be used towards my son's day care expenses. My in laws were taking care of my son but recently they're health has declined suddenly and are now they are unable to care for him for the time being. Day care in this part of the country is extremely expensive. I'd like to secure his spot for the foreseeable future in the right day care for him. If I had the rest of the year of day care established and paid for up front, then I can rest easy that my son is in a safe place and he'll be happy while my wife and I are at work and my in laws can focus on getting healthy. I would do anything to make sure that my son and family is provided for to the best of my abilities, and this Propser loan is going to help me achieve that goal.

My financial situation:
I am a good candidate for this loan because I've never been late to any of my debt obligations, and take my debts and credit history very seriously. When this loan was listed last week it had a AA rating. I have no idea why it was dropped to a C but I think it may have to do with my credit history being pulled several times recently. I assure you that I am more than able to pay back this loan over the time period stated, and now that the interest rate has been raised, this is a good opportunity for the investor to make their money work for them. I've been employed at my current place for 9 years and have no risk of losing my job, and I've currently taken on a side project for additional income as well. I am confident that this debt, like all my debts, will be paid back in full and on time.

Q: Hi, Why did your credit being pulled several times recently? Does your wife work? Why do you accept Prosper's incorrect rating which will result in paying more interest to lenders? Can Prosper not correct the error? Thanks, - p2ploan-sensation211

A: To my knowledge, Propser pulled my credit, and I had one other credit application recently to try to cover these new expenses. My wife does work and we're both trying to make as much as possible to keep up with daycare and still pay for all our other necessities such as utilities and food. As a Prosper newbie I accepted the Propser rating because I was unaware that Propser can change a loan rating, I was more interested in getting the loan out there and ready to be funded. (Aug-03-2010)

2nd Prosper ZERO LATE PAYMENTS SAFE

Purpose of loan:

To pay off an existing loan at over 30%

My financial situation:
I am a good candidate for this loan because? As you can see I am committed to paying off my debt (credit score raised by 40 points since last loan).? I work for an extremely successful advertising agency that is expanding with new business faster than you can believe.? Therefore, my job is 100% secure.? Please check out my Loan history with Prosper - ZERO LATE PAYMENTS in over 30 months.?
All of my current debt is due to my clothing business that I ran from May 2005 to May 2009.? I am very responsible and I have been working nonstop since I earned my bachelor of science degree in business management from an accredited California University.? You have my personal guarantee that this loan will have zero late payments and will be paid back in full.?

I also do side jobs where I make custom tee shirts for local businesses and schools, which generates about $150-$300 a month.

Monthly net income: $ 2300- 2500

Monthly expenses: $
??Housing: Live Rent Free - thanks to family
??Insurance: Free through work
??Car expenses: $ 150
??Utilities: $ 0
??Phone, cable, Internet: $ 100
??Food, entertainment: $ 150
??Clothing, household expenses $ 50 or less
??Credit cards and other loans: $ 1200
??Other expenses: $ 100

As you can see my monthly income easily covers my expenses and this new prosper loan.? Also, my loan payments will be cut in half after this loan is used to pay off an existing high interest loan (non prosper at 30%).

Please help me overcome my debt - this is my number one priority.

Thank you and God Bless!

NYLG has bid a total of $200.00 in winning bids.

"Have lent money in the past to this borrower and always paid back."

FortKnox has bid a total of $702.41 in winning bids.

fixing up duplex , please help

Purpose of loan:
This loan will be used to? to fix up my duplex that I just bought .I have done alot or work on it but now I need a little bit more money to finish the project . I want the money to fix the floors , paint the walls , new carpet and time , and do some landscaping .? I am doing the to provide a good apartment for my next tenent. If you feel that this would be something you would like to help me with , please help me with my loan.

My financial situation:
I am a good candidate for this loan because? I have a steady job and it will be around for a long time in?the future. I work in a field that has a great future and I got in at the right time because now I have senority and I am not affected? the?slow? economy.

Monthly net income: $
3200
Monthly expenses: $
??Housing: $ 900
??Insurance: $ 50
??Car expenses: $ 200
??Utilities: $ 150
??Phone, cable, internet: $ 0
??Food, entertainment: $ 500
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 1200
??Other expenses: $ 200

Paying off Credit Card and Car Loan

Purpose of loan:
I would like to consolidate some of my monthly bills.

My financial situation:
I have a steady, secure job and a pristine credit history.

Monthly net income: $
3410

Monthly expenses: $
??Housing: $ 950
??Insurance: $ 65
??Utilities: $ 100
??Phone, cable, internet: $ 130
??Food, entertainment: $ 500
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 910 (after this loan: 600)
??Other expenses: $

Q: couple of questions, you say you have a steady job but have this job 2+ years, where did you work before and how long , how much is th interest on you present credit card debt - redmen93

A: My current credit card has a 17.9% APR. My previous job I was at for almost 3 years. I left on my own terms, because I wanted to move back to New York City. I found a new job here within a week of looking. My current company is doing very well with plenty of projects lined up. I am also entering my final semester of Graduate School at NYU where I have been earning a Master's part-time. (Aug-16-2010)

Payoff high interest card

Purpose of loan:
This loan will be used to?
Payoff credit card at 19%

My financial situation:
I am a good candidate for this loan because?
I have investments that I dont want to liquidate because of capital gains
I also have over $10,000 in savings accounts but I consider this my emergency money
I have a good job with a very stable bank in Chicago (no layoffs in last 5 years!) and not a sub prime lender

I always pay my bills with a long credit history
Monthly take home pay after taxes 401k etc etc $3500
Expenses:
Rent?& Utilities???? 1100
Cable & internet????? 200
Food & dining out??? 500
Savings?????????????????? 200
Car???????????????????????? 100
Real Estate??????????? 600? - this is an investment that doesnt yet generate income
other????????????????????? 300

Total?????????????????? 3000 approximately

Ebooks and Digital Publishing

Purpose of loan:
The purpose of this loan is to expand the client list of Imagenat, LLC, a creative consulting company focused on providing digital media management, production and promotion services to the literature community. Many of us prefer the feel of pages between our fingers but let's face it, ebooks won't go away. And publishers, will need to find new and creative ways to engage and inspire readers. Imagenat helps them do it.

To date, I have:
1. Grown an international following of eager consumers for our clients;
2.??Produced and marketed clients work;
3.? Contracted professional services in the areas of graphic design, programming, editing and marketing
4. Established in-kind partnerships with PR Firms and Marketing Firms
In the next year, Imageant is poised to grow a substantial consumer base and provide professional services to an expanding market of digital services for publishers large and small. i'm looking to raise start up capital to cover marketing and overhead.

My financial situation: I'm a good candidate for this loan because I am incredibly responsible with finances and have a stable amount of assets to cover my liabilities. In addition, this is a well poised venture led by a computer engineer and technologist, with over 8 years of experience in project management and art production.

In response to delinquent marks on my profile, an investigation has been opened with Equifax as one of these accounts (a medical bill totaling $881) is erroneous. The second is an account I own and maintain, but at one point in history let the balance reach 90% of threshold. That account is currently at 60%.

Like many of you, I am an expert bill payer and never back away from these responsibilities as evidenced by owning a home in New York City--a rarity among my peer group. As further equity, the value of my home is 40% higher than my buying price. I make safe, smart investments so investing in me ensures that you do as well.

Monthly net income: $ 4100

Monthly expenses: $ 2059
Housing: $ 1009
Insurance: $ 25
?? Car expenses: $ 0
??Utilities: $ 150
??Phone, cable, internet: $ 150
??Food, entertainment: $ 100
??Clothing, household expenses $ 75
??Credit cards and other loans: $ 350
??Other expenses: $ 200
Please ask questions--I'm happy to provide answers.
Thanks for your consideration!

Q: How will 10k expand your client list? What kind of increase in income do you expect from this? Do you have a website? - Starfin-Capital-Management

A: $10K is 50% of the funds to enact our marketing strategy, which are based on showcasing our successes to the target prospects. B/C our market advantage includes providing digital marketing & production, our tactics include an online portfolio of successes to date and strategic promotional tactics on and offline. I expect an income of $73,000 in the first year, reaching profitability in month 2 of the plan. Website is in development, available at Imagenat.co in September as per this plan. (Aug-14-2010)

No More Credit Card Debt!

Purpose of loan:
This loan will be used to pay off high interest credit card debt!

My financial situation:
I am a good candidate for this loan because I have a reliable income stream and have not had a delinquent payment on any type of debt in over 7 years.

Monthly Income : $3400

Monthly Expenses:
Rent : $900
Utilities w/ phone : $200
Car: N/A (own)
Insurance: $50
Student Loans : $115
Other Loan : $588
New Loan: $220

Net Income after New Loan applied: $1325

Pay Off Loan

Purpose of loan:
This loan will be used to Pay off loan & develop history.

My financial situation:
I am a good candidate for this loan because I have a full time job and draw a retirement income

Monthly net income: $ 3,750

Monthly expenses: $ 1,835
??Housing: $ 800
??Insurance: $ 111
??Car expenses: $
??Utilities: $ 85
??Phone, cable, internet: $ 50
??Food, entertainment: $ 500
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 189
??Other expenses: $

Q: Please explain your high revolving debt level. Thanks and best wishes. - reflective-rupee

A: I had a business and sold it 31 Dec 08. I used a second to pay off my loans to close the deal. The "high revolving debt level" is a home loan that I do not use any more and is a second on my house. The loan is current. (Aug-03-2010)

Q: Please indicate the total debt on your home (home equity line of credit and 1st mortgage) and the interest rate for each. Please indicate the current value of your home, what you paid for it, and when you bought it. Thanks - reflective-rupee

A: Debt $84k, 3.5% 1st, 2.7% 2d, $240k purchase price, $225k value & date of purchase May 2005 (Aug-06-2010)

Relocation expenses

Purpose of loan:
This loan will be used to help cover relocation expenses for an upcoming out of state move.
My financial situation:
I am a good candidate for this loan because I have excellent payment history, with zero delinquencies in greater than 7 years.

Monthly net income: $ 7080

Monthly expenses: $
??Housing: $ 1400
??Insurance: $ 100
??Car expenses: $ 440
??Utilities: $ 300
??Phone, cable, internet: $ 140
??Food, entertainment: $ 600
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 800
??Other expenses: $

Q: How did you build of all the credit card debt?. - principal-star

A: We accumulated it through a number of years of unwise use that we perceived at the time as "necessary", and "ok". It is not comprised of a few "big ticket" expensives, but rather of many smaller uses during a period in which we were not as fiscally informed and prudent as we have been the last few years. (Aug-01-2010)

Q: You are relocating, does that mean you have a new job? - moola-escalator

A: No. My company has offices in several US states (as well as international locations). (Aug-02-2010)

Q: Hello there! Where are you going to be relocated? - BOYFROMVEGAS

A: Hello. Atlanta, Georgia. (Aug-03-2010)

Relist:Reinvesting in Prosper Loans

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? reinvest in Prosper Loans

My financial situation:
I am a good candidate for this loan because? I am a homemaker and my income comes from my military husband. I take care of all our bills and we have more than enough money leftover at the end of paying all our expenses to pay this loan off.

Monthly net income: $ 6548 (husband's income from the US Navy)

Monthly expenses: $ 4866
??Housing: $ 1769
??Insurance: $ 112
??Car expenses: $ 485
??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 that's why it's at 1000.00)
??Other expenses: $

Q: How do you see yourself making any profit relending through Prosper as a Borrower with a HR rating? What sort of interest rate are you looking for to make your reinvesting worthwhile? - loaningmoneybyme

A: Hello, That is an excellent question. The main goal for this loan is to improve my credit score by having a "good mixture" of debts. I see it as a win-win situation if my interest rate is still at 34%, then I can write off the interest paid for the loan. I hope this answer was satisfactory to you, if you have further questions, please message me again. Thank you for your time and consideration on my loan. Sincerely, Mommy of 3 Princesses (Jul-31-2010)