Eric's Credit Community

Hello & thank you for taking the time to view my listing =)

I'm a single mother, divorced over 5 yrs ago, went thru bankruptcy which has hurt my credit. Have been using PayDay loans to help pay bills. They are so easy to get, seems like I've gotten into ?bind? w/them now. Currently have 4 & interest/pymts every two weeks is taking so much of my checks, getting hard to pay everything. Just wanting to get a small personal loan to pay off the payday loans & few other bills.

I work for a community action agency for over 10 years, it?s similar to social services, we assist w/utility assistance programs, find jobs, affordable housing & many other services.

I applied for this loan at my bank, said would consider w/co-signer, but I don?t have family/friends able to do this for me. Unfortunately, since I got into Pay Day loans, now need help to get out of them,
I understand it?s my own doing & have learned a valuable lesson from using them!

Prosper Loan would pay off the following (to see verification, feel free to ask me):
CheckCity (have 2 loans) $500
Pay Day Ok ? $275
Security Finance (like pd loan co just longer to pay off) - $300
HSBC ? balance is little under $600
Borrowed from daughter (used her credit card) - $375
Hartville Propane ? $155
Hartville Medical Ctr $68
Past Phone Bills - $135
Property Tax - $82
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$2490 - Total amount of Debt to pay off

My current monthly NET income is $1680.00
$350 - Rent (trying to find a place w/cheaper rent)
60 - Electricity
30 ? Water/trash
40 ? House phone
39 ? Cell Phone
185 - Car Payment
50 ? Car insurance
20 ? School lunches
50 - Gas
150 ? Groceries/household
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974.00 - total monthly expenses

I have $700 left over (if I can get the above loans paid off), for Prosper Payment, & maybe little emergencies so I never get into this situation again. I promise my payment to Prosper will be top priority each month. I would have Prosper automatically withdraw my payments each month so that everyone knows my payment would be on time each month. I?m not about to make a mistake with this opportunity to start rebuilding my credit and again I thank you for viewing!