Wiseclerk.com - Your tool for statistic information on loans

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Loan status history for listing 123820
Listing #	Borrower	Borrower rate	Credit grade	Amount	Group	Status switch to	Time status change was detected
123820	bradhall75	21.80%	HR	5000.00	HaveMoney	Created	Apr-28-2007
123820	bradhall75	21.80%	HR	5000.00	HaveMoney	Late	Aug-15-2007
123820	bradhall75	21.80%	HR	5000.00	HaveMoney	1 month late	Oct-02-2007
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Important note: Tracking of complete Status information started Feb. 2007
From July 2006 to January 2007 only changes between "Current" and any other loan status were reported. Therefore the incident of a loan switching from "Late" to "1 month late" was not reported before Feb. 2007
No status changes before July 2006 were tracked

Listing Description:

Hello and thank you for viewing my listing.

My name is Brad; I have been out of college for about 1 year. I am employed as an RF Engineer. I love my job and look forward to having a stable career for many years to come. I work on Cell Phone Towers and travel all over the country for my job. In my opinion it doesn't get any better than that, until I own my own business someday (my other degree).

I have no dependents, very little "other debt". Credit report does not reflect other Auto/Personal loans paid off (some early, never late). Maintained Equifax at 678 credit score while in college. Working on correcting Experian, Transunion.

I want to consolidate the high interest rate personal loans obtained while I was in college. Currently $4,789.00 (425.00 monthly, never late) and lower monthly payment. I'll be keeping the lower rate student loans (consolidated at $195 per month). Only one credit card and is maintained for work expenses only.

As I said before, I am employed as an RF Engineer, and have been at this now for about a year. I love my job and look forward to having a stable career for many years to come.

My current monthly net income is $2,450.

Here's my monthly budget with the prosper loan in place:
My monthly budget:
Mortgage/rent: $ 350
Insurance: $ 80
Car expenses: $ Employer
Utilities: $ 60
Phone, cable, internet: $ 220
Food, entertainment: $ 150-300
Clothing, household expenses $ 75
Credit cards and other loan payments: $ 50.00
Other expenses: $ 200
---------------------------------------
Total monthly expenses: $1285

As you can see, I have over $1,165 left over to be used, not only for my Prosper Payment, but for savings and emergencies. I can easily afford this loan.

I promise that my payments to Prosper will be my top priority each month. In fact, I am going to have Prosper automatically withdraw my payments each month so that everyone, including myself, knows that my payment will be made on time, every time. I'm not about to make a mistake with this opportunity to start rebuilding my credit.

Thank you again for viewing my listing, and God bless.

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This site shows reports based on data openly available at Prosper.com. While reports are calculated with care, there can be no guarantee for the accuracy of data in these reports. You should treat all displays as estimates or approximations aimed to give you a first overview.