Eric's Credit Community

My name is Kristy and I am 50 years old with 25 years of starting and selling businesses.  State requires no more than 20% interest that I can ask for says this site.

I own my home appraised at $450K (purchased on my own) I started in the dental field in 2000 with research and development for a high tech dental company which utilized a complex software program called CEREC ($100K) Dentists do not want to purchase this machine and operate themselves. The company does not sell CEREC and there are no competitors for CEREC. We train computer technicians to operate and/or this business and train dentists who have purchased it.

More about the business at www.vorofco.comwww.rmca.blogging.com and ebay under CEREC ?business opportunity? and www.box.net login: DLOW and password DLOW

Since 2003, I have put my credit into the company along with $600K from others. My salary is $126K (W-2) I was going to re-fi my house in June and consolidate my debt but my score is low because my cards are high. I pay my bills on time. My DTI is 14%. It shows with this loan I will be at 22% but I am using all money to pay off debt to remain at 14%. Interest is killing me because I feel ripped off and my over the minimum payments don?t get me much further. I am a good risk and pay my bills ON TIME.

House: 2500 Utilities

Ph/Cell/Cable/Satellite $600

Food $600

Clothes $100

Animals $100

$600 Insurance (Med, Auto,Life)

Ailing family Member support $500

CCards $1195.00 a month but I pay $1,800.00 total each month

What I save from Prosper, I can pay on my remaining low rate card

RX: $500

My debt says $33,000 but Auto is paid by business so is Gas & Maintenance. I am trying to get rid of the balance of my debt which is $24,000. The $19,000 will go a long way, I will handle the last card on my own.

I have always held my own and I will be a good on-time payer. Please visit the web-sites. I appreciate everybody?s input on the review forum and hope this is a better and more attractive listing. My goal is to get out of paying the interest to the card companies and giving back to the people on Prosper. What a great place to help people.

Thanks for your help

Kristy

Punctual