I agree with the Prosper recommendation. Depending on how well you grade-out with Experian's Scorex Plus model (Prosper does not pull FICOs), you might be able to get a loan with Prosper. I recommend you be VERY forthcoming if you list over their. Explain all of your bad stuff, give a very clear and concise breakdown of your after tax monthly income and expenses, answer all questions lenders ask of you PUBLICLY (no PMing), explain exactly how the money will be used and post a pic of yourself or a pet. Prove to the lenders you are capable and willing to repay the loan. Do not mention your current family issues, lenders at Prosper will runaway if they hear about your newfound responsibilities. I would factor in the increased expenses you will incur by taking care of your family members tho. If you grade-out at D or better, a 5K loan is certainly possible, worse than D, do not list for more than 2.5K. Also, expect to pay a high APR if your loan funds.
Edited to add: look into joining a group that will help you with your listing. They might require verfication of certain things, but they can also help you with endorments and funding your listing.
Message Edited by fused on
08-04-2008 09:38 AM
