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December 01, 2006

Slutting Your Way to $100,000

posted by MR WAVETHEORY at 12/01/2006 03:24:00 AM
JessicaM is your girl next door. She models for Pantene Pro-V, has a $60,000 marketing job and has $25,000 in her bank account. She also wants to borrow $100,000 from you on Prosper.com. JessicaM's prosper profile says:

My debt to income ration is very low. I make $60,000 yearly at my primary job (Marketing) and an additional $10,000 - $60,000 as a part time model primarily for Pantene Pro-V. I have over $25,000 in my bank account. I have sent all of this information - including proof of what is on my credit report and my letter from the bank - not only to Prosper, but to my group leader. You can contact him for EXTRA verification. The only two bills I have are my rent ($650 per month) and my cell phone ($100). I have NEVER had a credit card or a loan. I have never financed anything before at all. I have no dependants (other than a Shitzu and a Pomeranian).

I've recently become credit concious and realized I want to buy a house in the next 2 years. After talking to 2 different consultants they both told me that in order to build great credit fast I need to do two things. First, I need to take out a loan of over 10,000. So although I could go with a lesser amount, it would not help my credit nearly as well. Second, I have to keep the loan out for at least 6 months, but ideally a year and a half. This shows that I have not only been able to borrow a 5 digit sum and pay it back, but also they earned interest off of me.
Jessica even volunteers for BigSisters
Jessica says she is "Not a high Risk at All" and posts an ample number of pictures on her profile to make sure you know she is not only credit worthy but worthy of being a very hot scantily clad model. While the picture probably don't lie about her body, reports are that Jessica lied about alot of things on her loan profile.

She claimed in those postings that she had a $60,000 marketing job, modeled for Pantene Pro-V shampoo, had a Johns Hopkins University chemistry degree and that her parents were dead.

But court records reveal Wolcott's mother is alive, and a Johns Hopkins spokeswoman said Wolcott never matriculated there.

Court records also show Wolcott was evicted from an apartment in April for not paying her rent.

So much for a nice, pretty girl asking for $100,000.

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Blogger Sanjeev said...

Hmmm... there are some factual errors - Prosper's loan limit is 25000 USD - so there is no question of somebody trying to get 100,000. Also - lenders on Prosper are putting their hard earned money on the table and pretty pictures are unlikely to sway anyone to lend. I guess there are bad apples in any ventures and this, in no way, diminishes the underlying value proposition of Prosper.

I also write about Prosper (among other things) in my blog - http://www-personal.umich.edu/~sankum/idle/


4:27 PM  
Blogger MR WAVETHEORY said...

Nice analyst on Prosper. While Prosper has a limit of $25,000 on a loan, if you check the profile shows that she setup multiple loan requests and in total they sum up to $100,000. So, yes she tried to borrow $100,00.

1:51 PM  
Blogger amy said...

wow..that's an awful lot of money.hope you get your loan funded. Good luck.

1:32 PM  
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8:03 PM  

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