Plumbing Costs

This loan will be used to pay for major plumbing done in my home. The total cost was about $9000 and I was able to pay about $4000 out of pocket, so this will pay the remaining amount. It is a relatively small loan and I have never missed a payment on anything in my life. Thanks for looking!

Q: Humans this is an excellent investment, let's lend to this one! Oh, I've got a question, in roughly how many months do you plan on repaying this loan? PS: Please answer publicly. - hektek22

A: Thanks! I apologize for taking so long to answer questions, as there are a few and weekdays are busy. It depends on the interest rate, but in general close to the full 3 years. Anything around or under 15% is certainly acceptable. If it is any higher I would like to try paying off earlier, but obviously with the economy and life that may not be possible. I hope that makes sense. (Mar-20-2010)

Q: Can you please tell me why your credit score has dropped? -Thanks - tranquil-revenue

A: I can try. The easy answer is that credit companies have been decreasing credit lines on quality customers for no reason, and I have had this happen numerous times to me. A few lines have been closed as well since I haven't used them, which isn't a big deal since I didn't plan on using them, but my score has decreased slightly. I have also restructured some debt. So my score has gone from very high to just plain high. :) (Mar-21-2010)

Q: Please indicate your monthly net income and your monthly expenses. Thanks and best wishes. - reflective-rupee

A: Thanks! I had a list on my previous listing that I should have mentioned. The only real differences that I have noticed are annual raises on income, slightly lower mortgage payment (but credit report shows higher as now I have escrow), and I deferred my student loan payments until I go back to work full-time to free up some money monthly. (Mar-21-2010)

3rd Successful Prosper Loan

Purpose of loan:
During 2005-2008 I started a small business called Cardvio (www.cardvio.com).? I started the business on credit cards and would like to consolidate the debt to lower my interest rate.? The company has been marginally profitable for the last three months.?

My financial situation:
For the last three years I've kept a full time job while working part-time on other businesses.? I started Cardvio three years ago and have carried about 26k in business debt.? I've paid off about 16k of that debt but still have another 10k left.? This is my third loan with Prosper and I just paid off a 6k loan and have one other loan running with perfect payment history.

My monthly budget:
Mortgage/rent: $ 492.00
Insurance: $ 85.00
Car expenses: $ 230.00
Utilities: $ 100.00
Phone, cable, internet: $ 85.00
Food, entertainment: $ 300.00
Clothing, household expenses $ 50.00
Credit cards and other loan payments: $ 250.00
Other expenses: $ 0.00
---------------------------------------
Total monthly expenses: $ 1885.00

Q: Hi Is your business now your only means of income? Thank you - CA_Lender

A: Hi, No, I also have a full time consulting job. I have this job to pay the bills and work on my business on nights and weekends. Thanks. (Mar-29-2010)

Q: Cardvio looks like a cool concept - same price as a regular greeting card but you get to personalize it. I hope the business takes off for you! - 113121

A: thank you very much. I've worked very hard to build it and it's nice to see it start making money. (Apr-01-2010)

Making debt headway

This loan will be used to pay off credit card debt I have accumulated through college expenses, dental work, and a medical emergency with my cat. Long-term, this will help me put more money in savings and eliminate dependency on credit cards.

As my credit score and income reflect, I have the means to make monthly payments and am financially dependable. I am an Administrative Assistant/Supporting Developer at a web consulting company, with a BA in Creative Writing and technical experience.
I am currently paying off two credit cards, one with a low monthly rate, and one with a rate of 14%. This loan is to pay off the second credit card.
Monthly take-home pay: $2300 (after taxes, healthcare, and transportation)Rent: $500 Utilities: $110Phone: $80Groceries $100Internet/cable: $35Student Loans: $480Credit card payments: $400
Monthly expenses: 1380+400 credit card repayment
Questions? Let me know.

Paying off my credit cards

Purpose of loan:
This loan will be used to?payoff my credit card debt. By consolidating these cards I'll be able to manage my finances a little easier.

My financial situation:
I am a good candidate for this loan because?I am currently employed and have been making my regular payments on all of my accounts.

Monthly net income: $ 2700

Monthly expenses: $
??Housing: $ 550
??Insurance: $ 96
??Car expenses: $ 520
??Utilities: $ 175
??Phone, cable, internet: $ 125
??Food, entertainment: $ 250
??Clothing, household expenses $ 200
??Credit cards and other loans: $ 500
??Other expenses: $

Not a high risk!

Purpose of loan:
This loan will be used to? consolidate my credit cards

My financial situation:
I am a good candidate for this loan because?I?pay my bills on time, have a good job and have worked all my life even in the worst?economies.? I have been the primary supporter in?my household throughout my marriage.? After 29yrs?of marriage I have seperated from my husband?and would like to get back on track with my finances/credit.? I can afford to pay the loan off in 1yr or a max payment of $300 mth, as everything is included in my rent.? Thank you for your consideration.
Monthly net income: $ 4640.00

Monthly expenses: $
??Housing: $ 1000
??Insurance: $ 0
??Car expenses: $ 353
??Utilities: $ 0
??Phone, cable, internet: $ phone 53
??Food, entertainment: $ 200
??Clothing, household expenses $50
??Credit cards and other loans: $ 800
??Other expenses: $ 0

Q: If you say that you are not a HR loan, why does Prosper say you are? Thanks Mr-M - Mr-Miracle

A: This is due to debt/income ratio. My credit cards are at 95% and I am on the house mortgage ($250,000.00). My daughter/son-in-law could not buy us out due to their school loans and my husband is disabled. All four of us are on the mortgage because my income was needed for the kids to be on the loan. They pay all expenses pertaining to the house. After 29yrs of marriage my husband decided he would like to live alone and I am trying to get my finances/ credit/life straightened away. Thank you (Apr-08-2010)

Paying off my credit cards

Purpose of loan:
This loan will be used to?
I have two credit cards that I would like to pay off????????
My financial situation:
I am a good candidate for this loan because?
the loan amount is not very high and it is my only?revolving debt. I am very determined to get out of my high intrest rate cards
Monthly net income: $ 3,000????????????

Monthly expenses: $
??Housing: $ 2300????
??Insurance: $0
??Car expenses: $0
??Utilities: $ 300
??Phone, cable, internet: $78
??Food, entertainment: $250
??Clothing, household expenses $ 50
??Credit cards and other loans: $?2500
??Other expenses: $0

Paying Down High Int Credit Cards

Purpose of loan:
This loan will be used to consolidate credit card debt and lower the effective interest rate I am paying.

My financial situation:
I have worked in an executive position at a global consumer electronics company for the last 16 years. I also have a?flawless credit history for the?last?16 years. Interest rate hikes on my credit cards have brought some to anywhere from 21% to 29%.

Monthly net income: $ 14,698 gross plus annual bonus of $42,000 gross
Monthly expenses: $
??Housing: $ 2250/month
??Insurance: $
??Car expenses: $ 200 fuel + $168 loan / month
??Utilities: $ 150
??Phone, cable, internet: $ 53
??Food, entertainment: $ 1000
??Clothing, household expenses $ 150
??Credit cards and other loans: $ 2500
??Other expenses: $

Personal Expenses During Basic

Purpose of loan:
This loan will be used to make student loan payments and pay for my place of residence till the end of the lease while I am attending Basic training for the Active Army.

My financial situation: I am Currently unemployed and recently joined the Active Army. I will be making a monthly check coming May 5, 2010.
I am a good candidate for this loan because I am reliable and trustworthy. My merit and integrity is demonstrated by my commitment to a cause and my strong sense of honesty and respect. As a member of the armed forces reliability and an intense desire to be a member of a team that can trust and depend on me are values I hold high. These values carry into my personal life and are applied to my life as a whole.

Monthly net income: As stated above, my monthly income is 1705.80 according to 2010 military basic pay charts.$

Monthly expenses: Phone, Housing, and student loan payments approximately 350/mo. $
??Housing: $
??Insurance: $
??Car expenses: $
??Utilities: $
??Phone, cable, internet: $
??Food, entertainment: $
??Clothing, household expenses $
??Credit cards and other loans: $
??Other expenses: $

Q: Congratulations on leaving for Basic. How will you make your payments on this loan while you are there? Do you have the money to make your first payment before you receive your first paycheck? - JaceSpade

A: Thank you! I am very excited to get started with my army career. I will be making regular payments while at basic and adjusting my payment amount once I start receiving my regular paycheck. (Apr-07-2010)

Paying Off Credit Cards

Purpose of loan:
This loan will be used to consolidate and quickly pay off my credit cards.

My financial situation: I am financially stable, however my wife and I are having a baby, and I want to pay off the debt faster.
I am a good candidate for this loan because I have a stable job (Assistant State Attorney = Prosecutor) and I am on the ground floor with the potential to make much more money the future.

Monthly net income: $ 3200.00

Monthly expenses: $
??Housing: $ 700.00
??Insurance: $ 70.00
??Car expenses: $ 294.64
??Utilities: $ 25.00
??Phone, cable, internet: $ 230.00
??Food, entertainment: $ 800.00
??Clothing, household expenses $
??Credit cards and other loans: $ 381.00
??Other expenses: $

hilbedo has bid a total of $25.00 in winning bids.

Credit Card Consolidation

Purpose of loan:
This loan will be used to pay down credit cards with high rates.??I?have two cards that have decreased the credit limit which has?put me in a bind when I travel?for my work.? I work in the Medical field and travel?weekly.? ?

My financial situation:
I feel I am worthy of a Loan due to a sturdy income and financial history with ZERO late payments.??My wife and?I?are trying to pay down a couple of credit cards that have lowered the available credit and caused my debt to income ratio to increase and cause my credit score to decrease.? I just paid off?some current?debt which will allow me to be?more aggressive in paying other items such as this loan down.? If?anyone has any questions they are more than welcome to ask.? I want to thank everyone for bidding and I feel it will benefit us?all.? My wife and I both have worked in the Healthcare market for over 7 years and have a solid foundation for a healthy lifestyle as well as a strong?financial start in our lives.?? The Monthly net income includes my income only, my wifes income is additional income which allows us to?be even more reliable in paying the loan off. ??

Monthly net income: $ 4,200

Monthly expenses: $
??Housing: $ 1360
??Insurance: $ 210
??Car expenses: $590
??Utilities: $ 200
??Phone, cable, internet: $120
??Food, entertainment: $ 120
??Clothing, household expenses $60?
??Credit cards and other loans: $?250
??Other expenses: $

Q: Could you please explain the delinquency showing on your listing. Thanks. Little_Tuna_College_Fund - Little_Tuna_College_Fund

A: The Delinquency shown on my credit report is from an Apartment Complex. My wife and I were building a house and lived in an appartment when we first got married, we had to close on our house a month before our apartment lease was up so we notifed the apartment complex of the break lease and they agreed and we signed a document realeasing us. "I have signed documents to prove it". When we moved out they sent us a letter trying to backcharge us for pro rated amount. Laywer has been hired by us (Apr-05-2010)

Q: You said you have a history of zero late payments. Please explain the delinquency. - Loan_Stranger

A: The Delinquency shown on my credit report is from an Apartment Complex. My wife and I were building a house and lived in an appartment when we first got married, we had to close on our house a month before our apartment lease was up so we notifed the apartment complex of the break lease and they agreed and we signed a document realeasing us. "I have signed documents to prove it". When we moved out they sent us a letter trying to backcharge us for pro rated amount. Laywer has been hired by us (Apr-05-2010)

Q: What are the balances on the credit cards and their interest rates? - principal-star

A: I currently have two cards, one for business and one for personal . The personal card is currently not being used and has a balance of 4,500. The second card is used for my work expenses when I travel. It ranges from month to month of 2,000 to 5,000. The money is being used to pay down both cards as the credit card companies have lowered my available credit and messed my high balances up. (Apr-05-2010)

Q: Could you please explain the delinquent? Thanks. - rockhound84

A: The Delinquency shown on my credit report is from an Apartment Complex. My wife and I were building a house and lived in an appartment when we first got married, we had to close on our house a month before our apartment lease was up so we notifed the apartment complex of the break lease and they agreed and we signed a document realeasing us. "I have signed documents to prove it". When we moved out they sent us a letter trying to backcharge us for pro rated amount. Laywer has been hired by us (Apr-05-2010)

Pay off one high interest c.c.

Purpose of loan:
This loan will be used to pay off one very high interest credit card.

My financial situation:
I am a good candidate for this loan because I am very ethical.? I make very good income. I have an excellent history of past and current loan repayments.

To reinvest and build my Credit

Purpose of loan:
This loan will be used to reinvest in Prosper and to rebuild my credit. After a divorce that put me into bankruptcy I'm coming back stronger. I've recently purchased an undervalued house that I'm rehabing, will be moved in by the end of April. My debt load is currently low,?but I have been using my card to purchase material for the house then paying it back off (building points) so I'm not sure what it shows?for a balance on the credit report. ?

My financial situation:
I am a good candidate for this loan because I keep my debt load low and I am focused on building net worth and income, as well as my credit score. Thanks for your consideration.

Paying off one of my credit cards

Purpose of loan:
This loan will be used to? pay off a credit card and help with some small home improvements, since we just purchased a home
My financial situation:
I am a good candidate for this loan because? I always make my payments on time and I have a solid work history in management with our local government. My focus each and every month is to ensure that our bills are paid before any money goes for anything else.?? I would like to slowly start paying off my credit cards with three year loans, so I will not spend 27 years paying off credit cards like each of my statements tell me.? I would rather give interest to a person who is loaning money to help people than a greedy bank who wants to charge interest for a quarter of a decade.?

Monthly net income: $ 4552

Monthly expenses: $
??Housing: $ 1027
??Insurance: $ 142
??Car expenses: $ 475
??Utilities: $ 200
??Phone, cable, internet: $ 100
??Food, entertainment: $ 500
??Clothing, household expenses $ 100
??Credit cards and other loans: $ 700
??Other expenses: $ 100