summer 2010 excellent repayment

this will be my second prosper loan. first one paid off. inquiries in last 6months are from a recent motorcycle purchase in February
Excellent repayment history.

Inventory for Home and Garden Store

Purpose of loan:
This loan will be used to?fund the?initial inventory of a small home & garden business, specializing in items you do not find?in most common Home & Garden Stores. I believe it is a sucessful idea in that I have spent 3 years researching the idea as well as purchasing small quantities of inventory and selling it on every other weekend. The future zoning of our home situated on one acre is small commercial use so I believe the time to try this business?idea is now so that we have an opportunity to build it before the zoning would change and bring in potential competition.?

My financial situation:
I am a good candidate for this loan because I do have prior business ownership experience. I found it necessary to close my business in the?title industry due to the housing crisis. That event caused a considerable amount of damage to my credit history, but taught?me a valuable lesson in that I must also formulate an exit strategy when formulating a business plan. I am working very hard to re-establish my credit history while purchasing small quantities of inventory which I sell on weekends. I have had a wonderful response to my efforts and feel it is time to grow?slowly.?

Monthly net income: $2613.00

Monthly expenses: $
??Housing: $ My husband pays.
??Insurance: $ 142.00
??Car expenses: $?80.00?
??Utilities: $ 140.00?
??Phone, cable, internet: $ 140.00
??Food, entertainment: $ 60.00
??Clothing, household expenses $ 60.00
??Credit cards and other loans: $ 35.00
??Other expenses: $ None?

Q: Looks like you clear every month, what you want to borrow. Why borrow? And........ see my page. good luck - Tono

A: Hi and I appreciate your question. I am rebuilding my credit. I only wanted to borrow a small amount just to establish an installment loan history. I am a little shy of the credit score I need to borrow from the bank I do business with and so I thought I would give this a try. Thank you and have a great weekend! (Aug-28-2010)

New Attorney - Paying off ccards

Purpose of loan:
This loan will be used to implement an aggressive debt repayment plan.? I am a new attorney who has accumulated signficiant credit card balances while in law school.? I intend to devote a sizable portion of my increased income to paying down debt quickly and renegotiating interest rates with the credit card companies.? By reducing my interest rates, I will be able to pay principal back even quicker and further eliminate my debt.

My financial situation:
I am a good candidate for this loan because I have a solid repayment record and I am used to living on signficiantly less income than I now have.? My wife and I live with my mother-in-law, so my expenses are low.

Monthly net income: $ 4500

Monthly expenses: $ 3730
??Housing: $ 0
??Insurance: $ 250
??Car expenses: $ 255
??Utilities: $ 0
??Phone, cable, internet: $?25
??Food, entertainment: $ 800
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 2000
??Other expenses: $ 200

Q: Does your wife work? Do you now have a job? Or did you just graduate from law school and still looking? - minnesotafinancial

A: My wife is at home with our 2 kids. While I was in law school, I worked part-time as a paralegal at a law firm, which has promoted me to attorney (full-time), now that I have graduated. Although the results of the bar exam have not yet been released, my salary has been bumped up to the $85K referenced in the listing. But that was just 2 months ago, so I don't have a W-2 yet reflecting my new salary. (Sep-01-2010)

pay off my credit cards

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: $

Credit Card Consolidation

Purpose of loan:
This loan will be used to consolidate credit cards into one monthly payment at a lower interest rate.?

My financial situation:
I am a good candidate for this loan because I always pay my debts on time and am not struggling in any way to stay current.? My income more than allows for easy repayment of my current loans but I would like to save a little in interest while doing so.? Also, as a member of the United States Army I have a zero percent chance of becoming unemployed.

Q: Why did you run up so much debt? - MonkeyHero

A: My son was born Sep 15 of last year. In order to purchase a home and furnish it in a way that is appropriate for raising a family we had to borrow. It was a one time expense and my wife and I have no plans of having another child. (Sep-03-2010)

Debt consolidation

Purpose of loan:
This loan will be used to?consolidate debt.

My financial situation:
I am a good candidate for this loan because? I hold two jobs and have the ability to repay the loan in an timely manner. I also have a spouse whose income will help ensure timely repayment of funds lended.

Q: Hello. Will you comment on the delinquencies? Thanks and good luck. - payment-halo

A: There was a period of time where I was unemployed due to being laid off because of economic downturns with the automotive industry. I now have steady and secure employment. I am current with my payments and am investigating the one current delinquency listed. (Sep-06-2010)

Q: You show 10 delinquencies in the last 7 years, one is active now. Can you provide some details on these? - CalCollegeFund19

A: There was a period of time where I was unemployed due to being laid off because of economic downturns with the automotive industry. I now have steady and secure employment. I am current with my payments and am investigating the one current delinquency listed. (Sep-06-2010)

Debt consolidation

Purpose of loan:

This loan will be used to pay off couple of bills in my family. I have been a good candidate of Prosper and have repaid my previous payments on time. My Prosper Rating is "D" because I paid off very early, in my last loan.?Kindly see the details and PLEASE fund me.
Thanks!

Paying off my last bad debt

Purpose of loan:
This loan will be used to pay off a very bad mistake that I made when I had a financial emergency - a payday loan (well, auto title loan).? I am currently paying over $200 a month, with very little of it going towards the principal.? Being able to pay this off will save me a lot of money so that I can more quickly start over my financial life and start saving again.

My financial situation:
I am a good candidate for this loan because despite my not so great credit score, I am responsible and do care about my financial future, credit score, and general upstanding as a good citizen.

The reason my credit score is no longer good is because I've been settling credit card debts for the past 2 years. After much research and soul-searching, I decided the best thing to do was go into default?so that I could?settle with each credit card I had (credit card companies won't speak to you about settlements if you stay current on their monthly bills).?

This meant I had to access my savings in order to pay off large sums at once. However, it was the best thing to do since I would have been paying out much more for years to come.?

I made a lot of mistakes in my?20's?which didn't catch up with me until the past couple of years (now in early 30's).? I have made?extreme lifestyle changes and no longer live beyond my means.?

I have learned a very hard lesson and want to get on with my life, this is the last remnant of my poor decision making.? I am tired of throwing money out the window every month, but unfortunately, since I am in the process of building a business which has its up and?downs,?I am not in a position at this time to pay it off at once.

I am current on all of my bills. (*Also, I am not sure why Prosper's credit info reflects 8 delinquenices when it was 3 credit cards.? Those 3 cards are the only delinquencies I've ever had. I will be checking?into this discrepancy; it's absolutely incorrect. It's 3).

I defaulted on my credit cards because that?was the only way to settle with them. That is why my credit score is temporarily not so great. It was stellar (over 720)?before this :-).

I understand how making a loan to someone with less than stellar credit, would appear worrisome to somebody who doesn't know me. I did my best to convey my situation honestly and hope that comes through. Thank you for your time and consideration.

Monthly net income: $ 2400-2800

Monthly expenses: $ 1800-2000
??Housing: $ 1100
??Insurance: $ 110
??Car expenses: $ paid off in full
??Utilities: $ varies
??Phone, cable, internet: $ 150
??Food, entertainment: $ limited
??Clothing, household expenses $ no new clothes, household limited
??Credit cards and other loans: $ 100?
??Other expenses: $ varies

Energy Efficient Windows

Purpose of loan:
This loan will be used to finish installing energy efficient windows in my home. Lowered listing amount as I was able to secure part of the remaining funds yesterday.

My financial situation:
I am a good candidate for this loan because I have been working to improve my score. I'm not sure why my Prosper lowered my score as my actual credit scores have improved. I recently sold my first home and purchased another house without any problem at all. I chose to move in order to get my daughters in a better school system so they can get the education they deserve, which is a big topic in my house. My wife is a nurse and I am a sales director and am currently working on my MBA in Healthcare Administration. This money will help finish putting the new energy efficient windows in my home which still has the original windows that are over 30 years old. Having struggled before, I know how hard it is to improve your credit so I am cautious of what I do now. Thank you for your consideration.

Monthly net income: $ 5,000 myself & $3200 spouse

Monthly expenses: $ 2500 total
??Housing: $ 800
??Insurance: $ 300
??Car expenses: $ 700
??Utilities: $ 175
??Phone, cable, internet: $ 75
??Food, entertainment: $ 300
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 100
??Other expenses: $ 0

Q: Please at your listing and explain the delinquency and public records. thnks and good luck. Don't forget the federal government and state may offer a tax credit for energy efficient windows on your 2011 tax returns. - jpblan11

A: I'm not late on anything, but am a Truecredit member and went to check it out. I have had a BMG music account show up that is not mine for $50. I am now disputing it. The public record is an old state tax lien for $600 that I paid back in 2006 but stays on my report for 10 years. Thanks for your consideration. (Sep-12-2010)

Paying off higher interest loans

Purpose of loan:
This loan will be used to?
This $1,500 will be used to pay off one payday loan - $250 at 300% every two weeks. Macy?s card - $900 at 37.4%, Sears - 350 at 32.29%.

My financial situation:
I?m working with the local government in the IT department. My job is very stable. I have been at my current job for more than 6 years. I have good income and have no problem paying Prosper loan.

Two delinquents that show on the report were from six years ago. Both accounts were from the apartment?s complex. They said there were some damages when we moved out. I paid part of it but they wanted more. Next thing we knew we received the judgments. We didn't go to court because we never received the court date. They claimed that they already sent it to us. First one will be deleted from my credit profile the end of this September; another account will be deleted next March.

I am a good candidate for this loan because?
I can make $61.64 payment each month and will be withdrawn from my bank automatically. I have been working really hard to improve my credit and will not let $1500 mess it up.

Monthly net income: $ 4800

Monthly expenses: $ 3,000
??Housing: $1200
??Insurance: $
??Car expenses: $550
??Utilities: $100
??Phone, cable, internet: $200
??Food, entertainment: $650
??Clothing, household expenses $100
??Credit cards and other loans: $200
??Other expenses: $