Card Consolidation - Planning for future

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Listing Information
Amount: $10,700.00 Status: Loan created
Grade: E DTI: 35%
Lender Rate: 23% Borrower: BrownEyesSF
Time Left: Finished State: CA
Funded: 100% Group: (No Group)
Loan Information
Loan Status: Paid Origination Date: 2007-03-16 EricsCC ROI: 22%
Status History
Mar 16, 2007 Current
Aug 30, 2008 Payoff in progress
Sep 04, 2008 Paid
I just recently heard about Prosper from a friend. I have decided to give it a and see if I can consolidate my two credit cards into one payment at (hopefully) a much better interest rate.  My goal is to buy a house in the next 4 years. I want to utilize Prosper to get on track. As you can see my DTI is very low.

I am a hardworking, dependable person with goals. I really hope this new way of borrowing and lending money can save me money and make you money!

I have outlined my current revolving debt situation below. Of course, if you have any questions please don?t hesitate to ask.

Card #1: United Airlines ? (29.24%)

Outstanding Balance - $8,485.47

Monthly Payment - $284.00

Card #2: Wells ? (22.24%)

Outstanding Balance - $2166.21

Monthly Payment - $82.00

Average Interest Rate ? 25.74%

Here is the breakdown of my monthly overhead.

Card #1 - $284.00

Card #2 - $82.00

Car Payment - $391.72

Rent - $350.00

Utilities - $130.00

Food - $125.00

Gas/Transportation - $90

Cell Phone - $70.00

Total Expenses - $1522.72

Monthly NET Income ? $2,792.29

Discretionary Cash: $1,269.57

Thank you for looking at my listing & Happy Bidding!
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