-I can't take out a personal loan as my credit history has not been long enough...and my parents are not in a situation to co-sign
-I have already taken out federal student loans. However, my university's financial aid office says that loan will not be released until my summer balance is paid in full, which is the main reason for the loan I am asking for.
-I can't sell my car. Driving to work and school takes enough time as it is. Besides, the public transportation in this city is horrible.
-Thanks to everyone for the advice and constructive (and vulger) criticism.
-WVU,
I'll try to make that link work
-I have already taken out federal student loans. However, my university's financial aid office says that loan will not be released until my summer balance is paid in full, which is the main reason for the loan I am asking for.
-I can't sell my car. Driving to work and school takes enough time as it is. Besides, the public transportation in this city is horrible.
-Thanks to everyone for the advice and constructive (and vulger) criticism.
-WVU,
I'll try to make that link work
Jul-31-2007 <?xml:namespace prefix = o ns = "urn:schemas-microsoft-com
fficeffice" /><o
></o>
Dear *****, <o></o>
Thank you for attempting to post a loan listing on Prosper. We are unable to accept your listing because your Experian Scorex PLUS<SUP>SM</SUP> credit score was below 520. A score of at least 520 is required to be eligible to post a listing in the Prosper marketplace. <o></o>
Prosper uses a credit scoring system that assigns a numerical value to the various items of information from your credit history. These numerical values are based upon the results of analyses of repayment histories of large numbers of consumers. The information in your credit history resulted in an Experian Scorex PLUS<SUP>SM</SUP> credit score that was below the minimum score needed to post a listing. <o></o>
The most important factors affecting your credit score were: <o></o>
§ Number of recently delinquent accounts. <o></o>
§ Number of accounts with high balance-to-limit ratios. <o></o>
§ Age of accounts. <o></o>
§ Available credit on open revolving accounts. <o></o>
The Experian Scorex PLUS<SUP>SM</SUP> credit score is a proprietary credit score developed and provided to us by Experian, a consumer reporting agency. Experian played no part in our decision to limit listings to people with credit scores of 520 or above and is unable to supply specific reasons why we were unable to accept your listing. You have a right under the Fair Credit Reporting Act to know the information contained in your credit file at Experian. You also have a right to a free copy of your report from Experian, if you request it no later than 60 days after you receive this notice. It can be obtained by contacting Experian at www.experian.com, toll-free telephone no. 1-888-397-3742. In addition, if you find that any information contained in the report you receive is inaccurate or incomplete, you have the right to dispute the matter with the reporting agency. <o></o>
If you have any questions about this letter, you should contact us at:
Prosper Marketplace, Inc.
<?xml:namespace prefix = st1 ns = "urn:schemas-microsoft-comffice:smarttags" /><st1:Street><st1:address>111 Sutter Street</st1:address></st1:Street>, 22nd Floor
<st1:City><st1lace>San Francisco</st1lace></st1:City>, CA 94104
Telephone (800) 208-0103
Facsimile (415) 362-7233
support@prosper.com <o></o>
Notice: The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (with certain limited exceptions); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC 20580. <o></o>
We look forward to serving your borrowing needs in the future once you have improved your credit score. <o></o>
Sincerely,
Prosper<o></o>
Just copied and pasted it for ya WVU...Last time I checked my credit score it was around 570 with transunion, so I don't know where they got this.
fficeffice" /><o></o>Dear *****, <o
></o>Thank you for attempting to post a loan listing on Prosper. We are unable to accept your listing because your Experian Scorex PLUS<SUP>SM</SUP> credit score was below 520. A score of at least 520 is required to be eligible to post a listing in the Prosper marketplace. <o
></o>Prosper uses a credit scoring system that assigns a numerical value to the various items of information from your credit history. These numerical values are based upon the results of analyses of repayment histories of large numbers of consumers. The information in your credit history resulted in an Experian Scorex PLUS<SUP>SM</SUP> credit score that was below the minimum score needed to post a listing. <o
></o>The most important factors affecting your credit score were: <o
></o>§ Number of recently delinquent accounts. <o
></o>§ Number of accounts with high balance-to-limit ratios. <o
></o>§ Age of accounts. <o
></o>§ Available credit on open revolving accounts. <o
></o>The Experian Scorex PLUS<SUP>SM</SUP> credit score is a proprietary credit score developed and provided to us by Experian, a consumer reporting agency. Experian played no part in our decision to limit listings to people with credit scores of 520 or above and is unable to supply specific reasons why we were unable to accept your listing. You have a right under the Fair Credit Reporting Act to know the information contained in your credit file at Experian. You also have a right to a free copy of your report from Experian, if you request it no later than 60 days after you receive this notice. It can be obtained by contacting Experian at www.experian.com, toll-free telephone no. 1-888-397-3742. In addition, if you find that any information contained in the report you receive is inaccurate or incomplete, you have the right to dispute the matter with the reporting agency. <o
></o>If you have any questions about this letter, you should contact us at:
Prosper Marketplace, Inc.
<?xml:namespace prefix = st1 ns = "urn:schemas-microsoft-com
ffice:smarttags" /><st1:Street><st1:address>111 Sutter Street</st1:address></st1:Street>, 22nd Floor <st1:City><st1
lace>San Francisco</st1lace></st1:City>, CA 94104 Telephone (800) 208-0103
Facsimile (415) 362-7233
support@prosper.com <o
></o>Notice: The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (with certain limited exceptions); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC 20580. <o
></o>We look forward to serving your borrowing needs in the future once you have improved your credit score. <o
></o>Sincerely,
Prosper<o
></o>Just copied and pasted it for ya WVU...Last time I checked my credit score it was around 570 with transunion, so I don't know where they got this.
Thanks dude, hit the nail on the head.
Fellas...I'm sitting here NOT asking for a handout. I want to handle this the right way. If someone would be willing to help me out payments would start sept. 1st and come right from my bank account to their's. I would also want to sign a promissory note, contract, etc. too. You can have all of my phone numbers, emails, contacts, addresses etc. etc...I'm not going anywhere. A man has only his word, and I don't break mine.
I have to go to work now until 9, but if anyone is interested, please post on here (which I have a feeling you might get riduculed) or get my personal email from a mod and we can talk on there.
Fellas...I'm sitting here NOT asking for a handout. I want to handle this the right way. If someone would be willing to help me out payments would start sept. 1st and come right from my bank account to their's. I would also want to sign a promissory note, contract, etc. too. You can have all of my phone numbers, emails, contacts, addresses etc. etc...I'm not going anywhere. A man has only his word, and I don't break mine.
I have to go to work now until 9, but if anyone is interested, please post on here (which I have a feeling you might get riduculed) or get my personal email from a mod and we can talk on there.
