Here is my information on u/cherub02216:

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u/cherub02216 has taken out and paid back 9 loans, for a total of $955.00

u/cherub02216 has given out and gotten returned 0 loans, for a total of $0.00

Loans unpaid with u/cherub02216 as a borrower:

Loans unpaid with u/cherub02216 as a lender:

In-progress loans with u/cherub02216 as a lender:

In-progress loans with u/cherub02216 as borrower:

Chronological REQ and PAID posts, reddit investigator, justin paulin creddit rating

Pming

Hello u/cherub02216,

B1) Please read all of our Rules and Borrower FAQ's

B2) Do not delete this submission (or ANY submission past or present), for any reason, or any of your comments as it will result in a ban. If your request is fulfilled or you no longer need the money please do one or a combination of A) edit your post to reflect the change, B) flair your post as 'complete' (the flair button is under the body text of the post), and/or C) make a comment that it's no longer needed.

B3) Wait 24 hours from this post to make another unless this post or the next is prearranged with a particular lender

B4) Vet your lenders! Be careful who you send your personal information to A) CHECK your lenders r/borrow history by clicking here. Do this for every loan request you recieve. B) Are they BLACKLISTED or asking for PROHIBITED ITEMS/INFORMATION (see THIS LINK)? Message moderators immediately C) Are they eligible (90+ day account, 1000+ karma, not banned) and active (any big account activity gaps?). Ultimately, you are free to accept loans from any user though you do so at your own risk. Loans made with ineligible/banned users will not be tracked by LoansBot and you will not get credit for loans fulfilled by ineligible lenders, so proceed at your own risk

B5) Understand and properly use all LoansBot commands to mark loan status

B6) If you have any questions or concerns whatsoever, feel free to ask moderators by clicking HERE

LENDERS:

L1) Please read all of our Rules and Lender FAQ's

L2) Vet your borrowers! A) See items 2 and 3 right below, B) Check for any past REQ posts and scan the comments for red flags, C) Check the UniversalScammerList, D) Install RedditScamLabeler to your browser, E) Install this quick karma-earning investigation tool to your browser, F) See these lists of sketchy user behaviors: "Karma farmers", How to identify high risk borrowers

L3) Check to see if cherub02216 has a Post Deletion History

L4) Check cherub02216's Spam History, RedditMetis profile, or Atomiks Analyzer Profile, or Redetective profile !

L5) We have a Rule 19 that requires new lenders to contact existing lenders holding late debt to OK providing more funds to this post author (borrower). Please adhere to this rule or you will be banned! Additionally, it is suggested that lenders take into account a user’s current open loans and repayment history when considering funding a loan. This includes a) do they have any repayment history? Extra vetting may be required if not, b) are they asking for loans while still having some out (this is not against the rules)? It is encouraged and courteous to contact current lenders to inquire about open loans, c) How much has a borrower repaid historically (in total) vs. how much do they have out now in total? "Piling", or lenders continuously providing loans to borrowers with many already open loans, is highly discouraged unless the borrower has a very solid repayment history

L6) Understand and properly use all LoansBot commands to mark loan status

L7) For your convenience, upon conclusion of this loan you can follow these links for prefilled posts regarding this loan - PAID, LATE, UNPAID

Here is a copy of the original post:

Hi all,

Thanks for reading. I currently have a loan out with u/spiderpikachu. He has approved me to make this post. While I haven’t missed final pay off, I have missed a few payments in between. This is because my mom was hospitalized for a few weeks for emergency surgeries and I had to take some time off of work. I am now back working on a regular income and can show proof that.

This loan would allow me to secure enough funds to pay my lender off completely. Despite missing payments, I have always kept in full contact with him and all of my previous lenders. Prior to this I had paid back several high loans with no problem.

Ideally, I can pay you a chunk of this sooner than 10/17. I am open to discussing a different interest amount if lender chooses. And I would more than happy to show any proof of any ID, income, medical proof for my mom, etc.

Please reach out to me with any questions, concerns, really anything I can do to help ease your mind

Thanks much, Reddit :)

I am a bot, and this action was performed automatically. Please contact the moderators of this subreddit if you have any questions or concerns.

$confirm u/civarc $400

$paid u/cherub02216 150

$loan 400