Eric's Credit Community

    Hello,
      Thanks for your consideration.  I have had some bad luck in the past and want to help and give back as much as possible. I was born with type 1 diabetes so I know what it is to work hard just for the little things in life. I work for an advertising agency and look forward to running my own one day. That is why I am on this site because I believe we are all ethical and moral people trying to better ourselves. I want to pay off at lower interest rates, which went up because I was a victim of identify theft. That is the reason for the 7 delinquencies. This happened to me about 2 1/2 years ago and I resolved it with my credit cards. I was enrolled in a credit protection agreement and they were not following through in helping me, but we finally got is resolved and I am back on track without any late payments. I am planning on getting married and need to fix my credit.  I think this site is a helpful tool for people that were not given the right opportunity in life but want to overcome that and prosper. I have a DIR of 15% and this loan just raised it to 24%. I will eliminate all my credit card debt with this and cut the payment done by more than $100.

Net monthly income: $2200 (not including commission which includes $50-200 a month.)
Rent-utilities/cable: $600
Truck and insurance: $600
Cell phone: $75
medical bills/supplies: $150
Credit cards which will be replaced with Prosper loan: $400

This loan with make up for the 400 dollars in credit card dept and reduce the monthly payment and allow me to pay off sooner. I am a responsible man that wants to achieve success in life. This is a step in me trying to better my self and for my future wife that I plan on asking to marry. That is why I want to get all this resolved and get my credit score back up to the 700. Thanks to you all and God Bless