42 bids
| Borrower APR: | 14.07% |
| Mo. payment: | $135.47 (3y loan) |
erac1006 - Alabama
| Credit Profile |  Help |
| A credit grade |  Homeownership not verified  Account verified | 32% debt to income ratio | |||
 | | | | | |
| Now delinquent: | 1 | First credit line: | Oct-1997 | Employment status: | Full-time |
| Amount delinquent: | $256 | Current / open credit lines: | 15 / 7 | Length of status: | 1y 1m |
| Delinquencies in last 7y: | 0 | Total credit lines: | 31 | Income range: | $25,000-$49,999 |
| Public records last 12m / 10y: | 0 / 0 | Revolving credit balance: | $1,390 | Occupation: | Retail Management |
| Inquiries last 6m: | 1 | Bankcard utilization: | 5% | ||
Description Purpose of loan:
I will be using this loan to pay off my credit card and become debt free within 2 years or less with the exception of my car loan.
My financial situation:
I have great credit, make all payments, and pay more on loans than expected
Monthly net income: $2,500
Monthly expenses: $
Housing: $ 280.00
Insurance: $
Car expenses: $ 434.00
Utilities: $ 50.00
Phone, cable, internet: $
Food, entertainment: $ 200.00
Clothing, household expenses $
Credit cards and other loans: $ 250.00
Other expenses: $ 200.00
No endorsements from friends
Q: Please explain the current delinquency and the reason the first loan attempt did not fund. Thank you -calculating1
A: Iam working on finding out where the delinquency comes from. I'm never late on any of my bills. The first loan attempt didn't go through because I sent off the wrong information and they didn't receive the correct info in time. (Nov-14-2007)
Looking at a "A" credit grade there is one current DQ but this may be inaccurate reporting and leads to higher interest rates. There is a 10 year credit history with no DQ's I think this loan is going to pay off and be on that helps the portfolio stay in the double digits!
Looking at a "A" credit grade there is one current DQ but this may be inaccurate reporting and leads to higher interest rates. There is a 10 year credit history with no DQ's I think this loan is going to pay off and be on that helps the portfolio stay in the double digits!
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