Paying off debt & medical bills

I am once again looking to Prosper as a way to pay off and consolidate my debts into one payment.?

Due to medical bills and unforeseen expenses, I fell behind on some of my credit card accounts during the past year.? My wife and I are trying to get our credit back in good standing, and this loan through Prosper would be a tremendous help.

My credit rating is HR, but this is mainly due to falling behind on these credit accounts.? I received my first Prosper loan?over 3 years ago and I've made every payment on time.? Thanks to my first loan, I was able to clean up my credit enough to be able to purchase a house.? Now my wife and I would like to get the rest of these high interest bills, bills that we had fallen behind on, and medical bills taken care of so that in 3-4 years we will be able to start the process of building the home we really want.

My monthly take home is roughly $3300.? Out of my income I pay most of the major payments such as mortgage ($450), utilities ($400), food ($200),? transportation costs ($200), as well as my vehicle payment ($423).? I also have the credit accounts with moderate balances but high interest rates that I am trying to consolidate.??I'd like to significantly lower that amount as well as improve my credit rating before taking steps to build our next home.

With this $5000 loan I will be able to completely pay off my delinquent credit card accounts and all my medical bills.

As you can see, the payment on this loan will not be a problem for me to make, and you can look at my payment history on my previous Prosper loan to see that I have been very diligent in paying it monthly.

Thanks for taking the time to view my listing.

Pay off my credit card

Purpose of loan:
This loan will be used to? pay off 3 credit cards with relatively high interests rates. Had to use them when i moved into my new apartment.

My financial situation:
I am a good candidate for this loan because? i have a steady income and a financially responsible person. I've been working at my current job for more than 3 years and I was recently promoted to senior sales engineer. This position will allow me to pay off this loan on time or even a little bit early. All need is to move away from high interest credit cards. Listed below are my current monthly expenses but if i get this loan funded I'll be able to pay off my credit cards and the credit and other loans expenses will be replaced by this loan.

Monthly net income: $ 3800

Monthly expenses: $ 2000
??Housing: $ 750
??Insurance: $
??Car expenses: $ 350
??Utilities: $ 150
??Phone, cable, internet: $ 25
??Food, entertainment: $ 200
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 300
??Other expenses: $

Electrician supply loan

PURPOSE OF LOAN
I have a pending contract and I need to purchase electric supply. Duration of contract is 2 years and every end of the month my company will get paid for the next 2 years.

MY FINANCIAL SITUATION
I am financially very stable and conservative. I do not believe in unnecessary expenses and spending money for no reason. I do maintain personal and business accounting, daily basis and I have established client?le which generates residual income (cash flow).

I AM A GOOD CANDIDATE FOR THIS LOAN BECAUSE
I do not have overhead expenses except the basics, I do not have payroll employees, I hire professionals based on the contract. I am licensed, Insured and bonded for my business, I am refinancing my house for better rate and lower monthly payments. I pay about $1,300 per month for my house, with new refinance I will be paying aprox. $850 per month. My credit score is descent 780 and up.

I do have account receivables aprox.$42,000 and every other week I do have at least one new active account or project. I do charge small estimation fee from my clients.
We are starting up LED lighting system integration for next month, we are working on an agreement with Chinese manufacturer for LED Lighting System. (Shunchen City, China)

With LED new light systems we will be offering new installments for our existing clients. With new lighting system our clients can save more then 10 times electric savings every month. Also new LED Lighting System is durable for 5 Years with manufacturing guarantee. Products are available for Consumers and Commercial Industry.

If you need any types of documentation please contact me.

Sincerely,

Payoff off credit cards

Purpose of loan:
Pay off my credit card, and purchase an engagement ring.

My financial situation:
I am a good candidate for this loan because I pay my bills on time, set up automatic payments from my bank account and have a full-time job working for a solid company.

Making my New Year a better year

Purpose of loan:

I have made?all my?pmts on time, no lates.? Paid 1 loan off early?& the 2nd?will be paid off?by?April 2010 instead of?July 2011 (even without this loan)? I have canceled?1 c.c. & this is why my score has dropped. My score has increase by 11 pts?from Oct to Nov.

I am in better shape this year than I was last year,?The delinquencies will drop off my record in a few more years. They were from my bankruptcy. (This I was not proud of,?&?it was a really low point in my life)??I would like to consolidate all my small credit cards. This will help raise my score & put me on the path to?a better?rating?

This is why I?m asking for your help once again.? I'm a very responsible, reliable, person.?My payment to prosper should be proof enough.??What happened to me over 3 years ago was not because?I?wasn't living within my means.

I would like to say?thank you to all that?had helped me in the past?& had the confidence in me to pay my loans back.? I?haven't let any of you down.? So I hope that you would consider helping me once again? So I can finally close this chapter of my life.

My goal in the next?2yrs is to be able to refinance my house at a lower rate & have everything else paid off

I will still continue to pay 314.10 on a monthly bases?& when My car loan is paid off I will increase the amount that I am paying to have this loan paid off in less than 1 1/2 years.

I am a good candidate for this loan because?I have never missed a prosper payment even?when I was?unemployed for over 6 months

My financial situation:? Monthly net income: $?2300.00 me 5,000.00 husband total 7,300.00

Monthly expenses: $?6270.00 leaving 1030.00?plus the 314.00?to prosper

Housing: $ mortgage,taxes,insurance, water 2404.00??
??Insurance: $?263.00 2 cars??
??Car expenses: $?550.00 one loan, gas, wear and tear??car loan paid off in 6 months saving another 360.00 per month
??Utilities: $?298.00 gas and lights???
??Phone, cable, internet: $ 25.00 work for company 180.00 cell phone this is high because I have 5 phones
??Food, entertainment: $ no?entertainment 1000.00 food family of 5???
??Clothing, household expenses $?300.00
??Credit cards and other loans: $?575.00 c.c.?& personal loans (includes the 314.00 paying each month to prosper even though I owe 105.00 per month
??Other expenses: $ 675.00 college and elementary school monthly payments fo my children

Consolidating my debt

Purpose of loan:
The purpose of this loan is to consolidate my debt. The debt was accrued while I was unemployed as a result of the impact the recession had on the field I work in. I was a banker and had to wait 8 months before I could see a paycheck. I am now currently employed with a reliable company (metlife) and I am making strong strides. I however want to make a stronger impact on my debt situation as I hate being in debt. I have always paid my bills on time even while unemployed. I exhausted my savings then and now I want to restart and clear out the books.
My financial situation:
I am a good candidate for this loan because I understand and have worked as a credit specialist. I work in the financial industry and am working on this consildation in an effort to move forward more rapidly towards attaining financial freedom. I work hard and I have never missed a payment on any of my credit obligations, and I don't intend to start now.

Monthly net income: $ 3,000 (variable sources i.e. misc jobs may add to this but at minimum this amount)

Monthly expenses: $
??Housing: $ 250
??Insurance: $ 90
??Car expenses: $ 456 (loan will cover the end cost of lease)
??Utilities: $ 0 (roommate covers them)
??Phone, cable, internet: $ 34
??Food, entertainment: $ 200
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 465
??Other expenses: $

Blender time for the cards

Purpose of loan:
Will use this to close out?credit cards?where the?rates have sky rocketed prior to the new rules taking effect in Feburary 2010. Bye bye big banks...

My financial situation:
I have high debt level of the last few years with the cheap credit and also had some major expenses this last year.? Father was sick and passed away in June so had 4 trips from Texas to South Carolina, mom?relocated to my?area,?roof replacement, found termites and?treated along with an AC unit going out.? Never late on my payments.? Been at my current employer for over 7 years (survived being aquired twice) so a stable work environment.

Monthly net income: $ 4224.00

Monthly expenses: $
??Housing: $ 630.00
??Insurance: $?Included in the house escrow payment
??Car expenses: $ 215.00 with June 2010?payoff
??Utilities: $ 150.00 water/electric/garbage
??Phone, cable, internet: $ 100.00
??Food, entertainment: $ 400.00
??Clothing, household expenses $
??Credit cards and other loans: $ 2700.00?
??Other expenses: $ Rest of monthly income to incidentals or tacked on to debt payments

Pay off a cc w/ an expiring intro

Purpose of loan:
This loan will be used to?pay off a credit card that has an intro no interest for 3 years that ends in January and will cost me an extra 2400 dollars in interest if I dont get it paid off.

My financial situation:
I am a good candidate for this loan because?I always pay my?bills on time and have never?been late or?delinquent on an account...ever...and I would love to be able to save myself 2400 in interest by getting this card paid off.

Monthly net income: $5016.66

Monthly expenses: $3360?
??Housing: $1350
??Insurance: $150
??Car expenses: $610
??Utilities: $140
??Phone, cable, internet: $210
??Food, entertainment: $100
??Clothing, household expenses $100
??Credit cards and other loans: $600
??Other expenses: $100

Kings Hwy Bar & Grill

The purpose of this loan is to open a family owned & operated Bar & Grill in Myrtle Beach, SC. Loan will be used to do some simple renovations to current bar & restaurant, and purchase needed supplies & inventory. Also I currently hold a SC off premise beer/wine license for our mini mart, (financed through Prosper) and will need to obtain an on premise liquor license.

Currently I am the owner of Beachside Grocery (formally Whispering Surf Mini-Mart), and hold the position of General Manager of our family owned and operated Holiday South Motel, also in Myrtle Beach.

I am a good candidate for this loan because I am in good standing with my first Prosper loan of $10,000 (current balance of $960) which is scheduled to be fulfilled in January 2010. My credit score is around 700, I?m told my credit is weak due to not carrying enough credit. I am confident in the success of this venture. The Bar & Grill is in a great location off of one of Myrtle Beach?s busiest highways, with a population of approximately 15,000 within a 5 mile radius. The restaurant will do a good breakfast & lunch business catering to the many local businesses in the area. We will also carry an extensive dinner menu available to the bar in the evenings..
Thank you for taking the time to review my listing. And I thank you in advance for having the confidence in me to bid on my listing.

Monthly net income $3200
Monthly expenses:
Housing $800
Insurance $75
Car Expenses $160 fuel & maintenance
Utilities $175.00
Cable ,Phone ,internet $200
Food & entertainment $300
Clothing , household expenses $75
Credit Cards & loans -Prosper $327 (last payment due January 2010)

Pay off credit cards

Purpose of loan:
This loan will be used to pay off a few of my credit cards.?

My financial situation:
I am a good candidate for this loan because my wife and I have a fairly good income stream and have been responsible at making debt payments.

Monthly net income: $ 4564

Monthly expenses: $
??Housing: $ 1379
??Insurance: $ 65
??Car expenses: $ 100
??Utilities: $ 250
??Phone, cable, internet: $ 400
??Food, entertainment: $ 400
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 350
??Other expenses: $ 200

payoff credit cards/home improvmnts

Purpose of loan: to pay off several credit cards and to also get some home improvements
This loan will be used to?

My financial situation:
I am a good candidate for this loan because? i am a full-time employee and have a strong credit background. I have never carried a deliquent status on my credit bureau.

Monthly net income: $ 2800

Monthly expenses: $
??Housing: $ 965
??Insurance: $?75
??Car expenses: $ 436
??Utilities: $?
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $?
??Credit cards and other loans: $?350
??Other expenses: $

pay for father's board and care

Purpose of loan:
This loan will be used to?
Pay for the rental fee for my father's board and care for as long as possible.? He is destitute now, and has been in this wonderful board and care for a couple of years.? I don't want to pull him aware from his caregivers whom he loves (and they care deeply for him) and know that he will not thrive in a nursing home or new board and care with questionable caregivers and care.?

My financial situation:
I am a good candidate for this loan because?
I am a California attorney, and although my last position was eliminated and I am in transition (unemployment is coming in regularly) - I have started a side business unrelated to law to supplement my next law job.? I am truly motivated - because I am doing this for my dad.? My mom is dead, I have no brothers or sisters, and I sincerely want to make my dad's last years comfortable and keep him in a healthy, loving environment.? My dad's situation is highly motivating.?
Monthly net income: $ 1800

Monthly expenses: $
??Housing: $ 0
??Insurance: $ 100
??Car expenses: $ 60
??Utilities: $ 100
??Phone, cable, internet: $ 50
??Food, entertainment: $?60
??Clothing, household expenses $30
??Credit cards and other loans: $?Educational loans (law school).? Also credit cards (about?$20,000)
??Other expenses: $ 0

Having extensive dental work done

Purpose of loan:
This loan will allow me to have some dental work which requires rework of my gums.? I have dental insurance, but it does not pay for this gum rework.? If I don't have it, I could lose my teeth.

My financial situation:
I am a good candidate for this loan because I will have the payments come straight out of my account.? I am a?federal government employee with 34 years of service.? I am a woman?of my word, and I believe?that winners make things happen and losers let things happen.? I have been a loser, and now I want to be a winner.? I am recovering from a divorce after a 30 year marriage.? I can become a winner with your help!? Thanks.

Monthly net income: $ 4400.00

Monthly expenses: $?
??Housing: $ 1100.00
??Insurance: $ 100.00
??Car expenses: $?????
??Utilities: $?250.00
??Phone, cable, internet: $ 194.82
??Food, entertainment: $ 300.00
??Clothing, household expenses $?150.00
??Credit cards and other loans: $?600.00
??Other expenses: $ 500.00

Money for my wedding

Purpose of loan:
My loan will be used to help pay for some of my wedding expenses. My fiance and I have paid cash for the vast majority of our wedding expenses and could use the $1500 for our honeymoon expenses.

My financial situation:
I work for Community Mental Health in Howell Michigan as a mental health assistant. At this job I make 13.75 an hour plus I am reinbursed for driving expenses. I do not have any housing expenses, such as, rent or utilities.
Monthly net income: $
$1350
Monthly expenses: $
??Housing: $ 0
??Insurance: $ 110
??Car expenses: $ 100
??Utilities: $ 0
??Phone, cable, internet: $ 0
??Food, entertainment: $ 100
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 50
??Other expenses: $ 25

Paying off two credit cards

Purpose of loan:
This loan will be used to pay off two credit cards. My wife and I have decided that we need to be without credit cards like we were a few years ago.? We have had the mind set that we can get something and we can pay it off later... Not anymore!

My financial situation:
I am a good candidate for this loan because I have just recently secured a higher paying job in my IT career and I have goals to have this loan paid off in one year.? I have had solid jobs throughout my career and each move I have made has been a step up!

EDUCATION/2nd Loan

Purpose of loan:
This loan will be used to?continue my education at?Cal State University San Bernardino. In addition, I also need car repairs done immediately and to repair a garage.??

My financial situation:
I am a good candidate for this loan because I am a responsible husband, father and teacher.?It?has been my dream to earn my Doctorate degree for quite a few years now and I was finally accepted into the doctorate program, so this is my only chance.Please help me fulfill that dream, so I can continue to help numerous disadvantaged students. I? know I can make a difference in childrens' lives as I have in the past. Plus this?degree will help me to fulfill that dream. In addition, I have a small loan with Prosper and have made all of the payments on time. Thanks for reading and Thank You for your help.??


Monthly net income: $ 4200

Monthly expenses: $
??Housing: $ 1824
??Insurance: $ 100
??Car expenses: $
??Utilities: $ 70
??Phone, cable, internet: $ 200
??Food, entertainment: $ 200
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 200
??Other expenses: $

Engagement Ring

Purpose of loan:
This loan will be used to buy an Engagement ring.

My financial situation:
I am a good candidate for this loan because I have spent the last six years paying off my bills and have been employed at the same company as an engineer for the last five years. I ran up a number of credit card bills along with several hospital bills (over $30,000). The credit card debt was because I was young and didn't know how to use credit. The hospital bills where from an asthma attack I had (age 22) when I didn't have insurance. I ended up spending two days in ICU and that added up quick.

As stated above, I have spent the last six years fixing my credit. As of now the only negative mark I have on my credit report is one (1) 30 day late from 2006. My credit score is on it's way up but still not high enough to get an unsecured loan from a bank. I have been with my girlfriend Heather for almost three years now and she is the most wonderful woman I have ever know. I love her very much and just recently (within the last two weeks) found out that her family is coming to Los Angeles (from Canada) to spend Christmas with us. Since her family never comes to the states I thought it would be neat to propose to her on Christmas morning with the whole family here. If you would like to know anything else feel free to ask.

Monthly net income: $ 4,000

Monthly expenses: $
??Housing: $ 650
??Insurance: $ 120
??Car expenses: $ 440
??Utilities: $ 75
??Phone, cable, internet: $ 75
??Credit cards and other loans: $ 25

Helping my daughter pay for college

Purpose of loan:
This loan is being used to help pay for my daughter's college education.

My financial situation:
I work as an attorney for a large mergers & acquisitions company and make a decent living. I'm apply for this loan to help cover my daughter's tuition and living expenses for the remainder of the year. We applied for assistance through FAFSA but I make too much to qualify for aid. And the interest rate here is better than what banks are offering.

Monthly net income: $ 8000.00

Monthly expenses: $ 4380.00
??Housing: $ 2200.00
??Insurance: $ 120.00
??Car expenses: $ 660.00
??Utilities: $ 200.00
??Phone, cable, internet: $ 200.00
??Food, entertainment: $ 1000.00
??Clothing, household expenses $ 0
??Credit cards and other loans: $ 0
??Other expenses: $ 0

Clearing up debt and cards

Purpose of loan:
This loan will be used to??consolidate debt and pay off a very high interest short term loan of $2,500. This will give me some breathing room to consolidate and pay down debt.

My financial situation:
I am a good candidate for this loan because? I don't miss payments and I have a steady position and employment. I have a significant salary with commission, but like most people, the year has been difficult so the commissions have not come back quite yet. The end of year commissions are always higher and are starting to come in at double the rate of earlier in the year, but running short every month has maxed out the credit cards. My income is weighted to the end of the year, so during the year I run at or above my expenses, with the end of the year supplying the funds for the following year. With the meltdown in 2008, the funds cushion was not as large and 2009 has been difficult to get through.

NOTE: My rev. debt includes a Home Equity line of credit and a?past debt consolidation line of credit totaling about $85k.

Monthly net income: $ $6596 after taxes per month, ($4,628 salary, $1,968 avg commission/month)

Monthly expenses: $ 6,446
??Housing: $?2,218
??Insurance: $ $110
??Car expenses: $ 468
??Utilities: $ 125
??Phone, cable, internet: $ 225
??Food, entertainment: $ 600
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 2000
??Other expenses: $ 500 misc (unplanned extras)

NOTE: I know that my debt to income ratio is high, but I have always managed to make my payments. I have cut out most/all discretionary spending and need to get some balance for the next 3-6 months to clear up the situation.

divorce need car and moving money

Purpose of loan:
This loan will be used to?
buy a cheap car and help with some moving expences
My financial situation:
I am a good candidate for this loan because?
I have great credit always pay my bills on time
Monthly net income: $ 3333

Monthly expenses: $
??Housing: $ 535
??Insurance: $ 90
??Car expenses: $ 250
??Utilities: $ 100
??Phone, cable, internet: $ 140
??Food, entertainment: $ 200
??Clothing, household expenses $ 50
??Credit cards and other loans: $ 250
??Other expenses: $ 100

Paying off my credit cards.

Purpose of loan:
This loan will be used to payoff my credit cards.?My lenders have raised my credit card interest rate and I feel that even though I've been paying a substancial amount of credit card, I can't seem to catch up.

My financial situation:
I am a good candidate for this loan because I have a stable job. I've been working with this company for almost two years, prior to that I worked for the same company for 5 years. I'm very responsible with my bills, always pay everything on time or early.?I am willing to make payments twice a month as I receive my paychecks and once my income tax refund comes in, I also plan on paying a significant portion down.

Monthly net income: $3200

Monthly expenses: $
??Housing: $362?
??Insurance: $119
??Car expenses: $ 439
??Utilities: $55
??Phone, cable, internet: $237
??Food, entertainment: $350

Consolidate Debt into One Payment

Purpose of loan:
This loan will be used to pay off credit card debt and pay for?some of daughters college expenses.?

My financial situation:
I am a good candidate for this loan because I have a good job and income as a Registered Nurse. I pay all my bills on time. I? became a little over-zealous this year after buying a new home in 2008 and invested $$$ into the property. It's difficult to manage several accounts, and I would love to simplify my life with one payment and one interest rate. I also received a new bargaining contract and am to receive a?20% wage increase over the next four years. My husband earns?$4,000 net income monthly, so I have other sources of income. In addition, I believe my credit score would increase? if my balances on my credit cards were not maxed to their limits. I need your help and I guarantee you will make your money back and have a nice return on your investment.

Monthly net income: $ 4,600

Monthly expenses: $ 3935.00
??Housing: $ 2200.00
??Insurance: $ 260.00
??Car expenses: $ 450.00
??Utilities: $ 300.00
??Phone, cable, internet: $200.00
??Food, entertainment: $ 500.00
??Clothing, household expenses $25.00
??Credit cards and other loans: $ 208.00
??Other expenses: $ 1000.00+ every 4 months for daughters college tuition and books

Auto painter starting new business

Purpose of loan:
This loan is to be used to help boost a newly starting small business to get on its feet.

My financial situation:
I am an automotive body repair & paint technician. I concentrate most of my work on custom, show, & restoration cars/trucks. Im a high school graduate & have a 2 year trade school degree in Automotive Collision Repair. Ive supervised & co-owned a custom paint shop for over 2 years & have experience painting anything from, autos, motorcycles, to commercial aircrafts.

I finally have the know how, experience, & resources to start my own shop. The last year Ive been working in a small shop I have, using the few tools & space I have, but in return producing excellent work. Slowly I've been upgrading to the tools I lack to get work done faster & more efficient. I intend to pay off what i owe on the tools I have & use the rest to get the last few important tools I lack (but somehow currently manage to work without).

If I do get this loan I,ve requested for the amount of $6,000, & have it paid off in a few years (or as soon as possible), I can then take out another amount to build a much larger shop & finally get the shop fully licensed. Please help me fulfill my dream of having a full blown custom paint shop that will someday be recognized in most all custom car/truck magazines.

To rest assured this isnt someone trying to get over their head & trying to persue an unrealistic goal. Ive already built an award winning motorcycle and an award winning truck that has been completely customized by me from the frame up. With just the right equipment I can do some of the best work on the Gulfcoast. My credit score is excellent, I've only been late on one payment in my life (1 day late at that), & I intend to keep it that way.

Thank you for your time

Australian Adventure

I am an IT security consultant based in the washington metro area, and I am looking to take a leave of absense to join friends on a once in a lifetime 90 day trip backpacking through Australia and hopefully New Zealand.? I need help securing funds to pay for not only the trip, but also my expenses at home while I am not collecting a salary.? I have been a track record of repaying my loans on prosper, a?700+ credit score, and a A rating on prosper.? Your help in making this dream come true is much appreciated!?

Wedding Expenses

Purpose of loan:
This loan will be used to pay expenses?for my?wedding.?I had no idea how much the expenses mount.?

My financial situation:
I am a good candidate for this loan because I have stability. I pay my creditors, receive a good income, lived in my condo for the past eight years?and I have?job?in an industry that I have?fifteen years of experience.?Once I am married, we will have an influx of cash from the wedding that we can pay back the loan early.

I?do a revolving home equity line of credit instead of a home equity loan because my finance and I will be looking to move and therefore wanted a lower payment until we sell my condo. This is why I have a high revovling credit balance.

Also, I know my credit shows I have $200 in delinquent. I am not sure why. I am current on my accounts. I do have a couple of medical collections I am trying to resolve but as for creditors I am current.

If you have any questions, please ask.

Thank you for taking time to read my profile.

Monthly net income: $ 3,800?(after taxes, health insurance,?etc). ?

Monthly expenses: $
??Housing: $ 1250 includes Home equity line
??Insurance: $ 30
??Car expenses: $?100?
??Utilities: $?150
??Phone, cable, internet: $?150
??Food, entertainment: $ 300?
??Clothing, household expenses $
??Credit cards and other loans: $ 300
??Other expenses: $

Buying Son his first Car

Purpose of loan:
This loan will be used to? Have half saved in cash for car...need $3500 to finalize the purchase.

My financial situation:
I am a good candidate for this loan because? I will pay as agreed , car will be insured against loss and won't make any mistakes of the past.The delinguent credit blemishes are from a Chap 13 Bankruptcy that i paid off in 1 year ( it was a 5 year plan but i buckled down and ate Top Ramen for a year),,,i can't get Equifax , Trans Union etc to remove them even though they are 100% paid off...they offered me $250 but are still unable to remove the delinguencies...they said they will come off my report in 2012.

Monthly net income: $ 13500

Monthly expenses: $
??Housing: $ 5500
??Insurance: $
??Car expenses: $ 350
??Utilities: $ 325
??Phone, cable, internet: $ 99
??Food, entertainment: $ 250
??Clothing, household expenses $ 500
??Credit cards and other loans: $ 1500
??Other expenses: $

pay off credit cards

Hi never late on payments?just? bought a house? with? fha? loan??credit? score? good?730?paid? of? 2? prosper loans? allready. will use this? money to close some? credit? card? debt with high interest rates

last loan

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: $

*** 2nd Loan; Never Late ***

I am an excellent candidate for this loan because I have paid all my bills since my first credit in 1991 regardless of the economic situation. This loan will pay off some credit cards including the remaining two prosper payments. When this loan is funded, I will be saving over $600 in monthly payments.
This loan is even less than my last prosper loan. I did not disappoint prosper lenders then, and I will definitely not disappoint them now.
BUDGET: Prosper 397.04; Mort 2,184; Gas 200; Car ins. 40; Food 400; Cards 954; Utilities 580; Life ins 75; Savings 1,000; others 700; (Net $7,761.26 ? $6,833.00 exp; $928.26 surpluses) Your investment is very safe because I take my credit serious. Happy holidays!

Cosolidate high rate balances

Purpose of loan:
This loan will be used to consolidate high rate CC balances to allow myslef to pay them off on scheduled payments.? The rate is near 30% on a close to $5,000 balance now and keeps climbing due to the high rate.

My financial situation:
I am a good candidate for this loan because I have a steady job and have just been putting off paying for this one CC over the years because at one point it was at 0% interest.? I understand that 0% is no longer as available as it once was and would like to get a reasonable rate of interest somewhere around 8%.

Paying off debt

Purpose of loan:
Pay off high intrest debt
My financial situation:
I have a full time stable job
Monthly net income: $ 4300

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

Software for Membership Website

Purpose of loan:
I will use the loan to purchase software to develop my database and sequential membership website. This website provides several levels of training for real estate financial personnel, brokers, and investors.
These personnel pay a graduated monthly fee, ranging from $27 to $97 as they move from level to level.
The soft is needed to manage all the training and payment activities.
My current current full-fime employment is as an Human Resources Analyst with a Community College District. I am fully able to repay this loan.


My financial situation:
I am a good candidate for this loan because? I have a solid, long-term work history with the same employer: over twenty years. I am fully able to meet my monthly obligations

Monthly net income: $ 4700

Monthly expenses: $ 3410.72
??Housing: $ 1334.72
??Insurance: $ 125
??Car expenses: $335
??Utilities: $ 130
??Phone, cable, internet: $ 150
??Food, entertainment: $ 473
??Clothing, household expenses $ 250
??Credit cards and other loans: $ 455
??Other expenses: $ 183

Bad things Happen to Good People

Hello and thank you for taking the time to review my loan request.

I am a husband and a father of three lovely children.? I am a salesperson for a large communication company, as well as a part-time loan originator.? My wife is an administrator in the local public school system.? We have been married for almost 14 years and our greatest accomplishment is out three children.?? We work very diligently to make sure they learn the true values of life and responsibilities the go along with these values.?

My goal is to consolidate some credit cards with some high rates and gain some residual income to put away for our kids.?
This is one step in making sure they have the opportunity to engage those things in life that will make them well rounded individuals.? This will be possible if I am funded through Prosper and will allow for some peace of mind knowing that there is a reliable amount of savings in the bank.? This will also help?lower my monthly expenses.? With respect to the one delinquency that appears , that was due to my former employer coming and closing the doors without warning closing the doors to the business.?? It also caused my last paycheck to be unrecoverable and left me in a compromising position.? It was a large amount that was withheld and left a number of people up in arms.? This issue has since been rectified and I am continuing to focus on being very focused and responsible individual.? We have recently went through a home loan modification which brought our score down.? Even though the modification help our monthly expenses in exchange it lessened out credit rating.? This seems to be the backlash of an attempt to better your situation.? We hope this will be understood by the lenders of Prosper.

Purposed consolidation:
Prosper : $3600 @ 35%
Small Creditors $1500 @ 21%

Monthly Net Income: $7200

Monthly Expenses:
Mortgage: $3200
Insurance:? $330
Car Expenses: $450
Utilities: $400
Entertainment: $70
Clothing: $125
Credit cards: $800
Food: $450
Gas: $300
Total: $6125

Finally, We currently have a loan with Prosper which has always been on time and is in good standing.? You should expect this same vigilance with our current request, there has been a noticeable change for the better. ? I and my wife are steadfast in our efforts to resolve our situation. You may also notice a reduction in our monthly expenses in respect of our last request.? We hope that we can look forward to a continued favorable relationship with Prosper.? Again thank you for your consideration.

Starting my dream business!

Purpose of loan:
This loan will be used to launch my small business. The following is a brief synopsis about my business concept.

Today many Americans face a serious dilemma when choosing what food to buy and where to dine. It is fair to say that when given the opportunity, most individuals would prefer organic produce and pastured meats that were raised on local, independent, and sustainable farms. But in reality, the everyday person will forgo these conscientious options for the cheaper, more convenient alternatives. This dilemma in our food industry has created a market for organic, farm-raised food that is both convenient and affordable for the average American.
Therefore, the concept I am pursuing is a ?gastrotruck? that will serve customers who want a meal that is not only affordable, convenient, and delicious, but also hand-crafted with responsibly sourced ingredients of the highest quality. During the current economic recession, restaurant sales are suffering as consumers seek more affordable dining options. As a result, gourmet hot food trucks are thriving in major cities such as New York, Portland, Austin, and Los Angeles. This growing industry has yet to inevitably make its way to San Diego, California, and I am ready and eager to lead the way with my very own gastrotruck!I personally have more than 7 years of experience in the dining industry and am currently the Assistant General Manager of the most well-renowned farm-to-table restaurant in San Diego. I possess the experience, knowledge, and industry contacts to make this business a success.

My financial situation:
I am an excellent candidate for this loan because I have an impeccable credit history and score. I am a homeowner, I currently have no outstanding debt, and I am proud to say that I have NEVER in my life missed any type of payment or bill.

Car Repair-timing belt broke

Purpose of loan:
This loan will be used to? I would like to get a loan to finish paying off a major car repair, timing belt broke and damaged the valves. Also hot water tank rusted out and is leaking and needs replaced. My other Prosper loan is almost paid off now.


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

pay off credit card

Purpose of loan:
This loan will be used to?
?I need to pay off a credit card in which the interest rate was raised to 28.99% after I was 1 day late with my payment (I just forgot to schedule the payment).? When I asked them to lower the interest rate, I was told that they would keep it at the high rate for 12 months and then review it to be lowered.? It will take me forever to pay this card off with such interest.
My financial situation:
I am a good candidate for this loan because? I always pay my bills on time!? I may have a large debt to balance ratio, but I have a very very steady goverment job that I have worked at for 13 years and I am always able to pay by debts.

One more to go

Purpose of loan:
This loan will be used to pay off?a business loans, tax-related debt, and a credit card.? The business was unsuccessful and now I am employed full-time in my regular occupation and working diligently to pay off debt and improve my credit.?

My financial situation:
I am a good candidate for this loan because I have already paid off one 5K prosper loan.?I have good stable?employment and I am in the process of repairing my credit.? My wife is also employed full-time and contributes to paying our regular bills. The items that will be consolidated with this loan include a $4K Tax Debt that is $300 per month and a second business loan of $4K that we took out that is also $300 per month. Paying off the tax debt will save us on interest and penalties and eliminating the other debts will also help us improve our overall credit standing.

Pay off dedt

Purpose of loan:
This loan will be used to payoff my wife's 401(k) loan so that we can use that ot payoff income taxes that are due.

My financial situation:
I am a good candidate for this loan because the markets hace come back up to where I'm bring home decent money again.?

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: $

Debt B Gone

Purpose of loan:
This loan will be used to? Pay down my debt. I have always tried to put my bills first, and with every bill together, will make it easier to pay each month. I've always made my payments in a timely manner, no matter what, the bills get paid, on time.

My financial situation:
I am a good candidate for this loan because??? make my payments when due, and always pay on time.

Christmas and appliances

Purpose of loan:
This loan will be used to? new appliances and christmas

My financial situation:
I am a good candidate for this loan because? I pay my bills on time (unless emergency) have worked for County Government over thirty years

Monthly net income: $ 3,606.26

Monthly expenses: $
??Housing: $ 550.00
??Insurance: $?300.00
??Utilities: $?300.00
??Phone, cable, internet: $ 150.00
??Food, entertainment: $?400.00??Clothing, household expenses $ 200.00
??Credit cards and other loans: $300.00
??Other expenses: $ 200.00

Paying off my credit cards

Purpose of loan:
This loan will be used to pay down some higher interest debt.

My financial situation:
I am a good candidate for this loan because I am employed and have a small amount of unsecured debt.??

Dumping credit cards

Purpose of loan:
This loan will be used to? fire the credit card companies that have been changing the terms on my credit cards.

My financial situation:
I am a good candidate for this loan because?I have a great job that pays me well to do what I love. My husband also has a stable job. We know we are blessed in today's environment. We have been paying off our debt per the Dave Ramsey plan. We are on track but I am so upset that the credit card companies are changing terms that I just want to get rid of them completely.

Refinancing from business startup

Purpose of loan:
This loan will be used as a first step in refinancing credit card debt incurred during the business start up of Impulse Creations. The business has been profitable for several years but interest on credit cards is limiting growth. This initial loan is the first to prove myself here on Prosper and other loans will follow until all debt has been refinanced.

My financial situation:
I am a good candidate for this loan because I pay both all business and personal debts on time with no exceptions. I have no late payments of any kind. This business debt on personal cards gives me a high debt to income ratio but the debt is actually a business expense and is paid for with business funds which are far more than sufficient. Once business debt on personal cards is removed from the equation, the debt to income ratio is excellent and would greatly improve the Prosper rating.

I have no problem meeting current or future obligations and take those obligations seriously. Creditors and my customers come first before anything else. In addition, this loan will not incur any new debt since it will be used exclusively to pay off old debt.

Monthly net income: $ 4335.00

Monthly expenses: $ 2470.00

Working Capital

Purpose of loan:
This loan will be used to manage the expenses associated with my increasing REO real estate listings.? Given the current real estate market, I am receiving more REO listings.? As an REO broker, I am responsible for the paying the expenses (utilities and maintenance) and getting reimbursed from the seller (bank).??The reimbursement timeframe is generally 30 - 60 days.

My financial situation:
I am a good candidate for this loan because of my?continuously improving credit standing, impeccable payment history on a previous Prosper loan?and the business opportunity at hand.?

Monthly net income: $ 4,800

Monthly expenses: $ 3185
??Housing: $ 1298
??Insurance: $ 86
??Car expenses: $ 413
??Utilities: $?300
??Phone, cable, internet: $ 150
??Food, entertainment: $ 300
??Clothing, household expenses $
??Credit cards and other loans: $ 463
??Other expenses: $ 150