Eric's Credit Community

Thank you for taking the time to read our request...

As a New Hampshire resident the state min is 10,001.00 and makes it very difficult for those only requesting a much smaller amount. We would very much appreciate your consideration. We like to borrow $2000.00 for our web site, paying the 8001.00 immediately (same down as funded). We would like to purchase a good digital camera to create quality pictures of our items (especially our labels, now listed on a drop down) instead of paying to have them professionally done. Cost $400.00. We would also like to create an ebay storefront, professionally done $436.00. (I have quote)The balance of the 2000.00 will be used to purchase new inventory for our newly created wine accessory web page, update our computer tower and also to market our web site(software 349.00 called web position). The 8001.00 would be paid back immediately, as soon as we are funded, an advanced payment would be made the same day. You have my word.

We started I Bead It/ Our Wine Crafts in 2001. A hobby/business we had started right after 9/11. I wanted to do something to help after 9/11.I started beading red white and blue beads with red hearts bracelets. I was working at a clothing manufacturer and distributed the bracelets for a donation. We raised over 500.00. I had enjoyed beading and found it to be therapeutic and relaxing. I had some old jewelry and cut them up and started creating unusual beaded bracelets. That's when I came up with the name I Bead It. showed me hand beaded wine charms and how they were being created and learned how to make the labeled wine bottle cheese boards. We changed the name to Our Wine Crafts, saying clearly what we sold.

As far as my credit history..it started going down hill when I was laid off from my job in the garment industry in 2001 (Dec). Imports eliminated my job of 15 years. Losing my job and over 50 was going to be a challenge. What was I going to be when I grow up? Not unemployed! I was out of work for almost 7 months. I went back to school to learn computer skills. July of 2002 I was hired at Brandeis University for 28 hr week as an administrative assistant, 4 years later I am a Senior Department Coordinator.. It was a large cut in salary from what I was making,. It was really tough as I had always been the bread winner in the family, working my way up the management poll and making a higher salary then Ted. Not there's anything wrong with that, I never minded that. I liked to work.

During this time, my husband was going through some serious medical issues with his legs.He was developing clots in his legs. He, a driver in the medical field was out of work for over a year in 2002. so combine that with my employment crisis our credit went sour. We were able to sell our condo to pay off the mortgage so not to be foreclosed without making any extra. We were than forced to chapter 7.

I have to say all during this time we did manage to keep our wine crafts doing craft shows every weekend.. The expense of the shows and traveling was too much for us to handle. The last two years of doing craft shows have been more of a lost for us. Staying on line was the way to go.

We live now on Ted's S/S disability which is 1389.00 a month and my net check each week is 400.00. That's after insurance, dental, 403K and flex plan are deducted. our rent now is 995.00 a month includes heat and hot water, cell phone 100.00 ,cable 100.00 (includes internet). We have no credit cards only use our debit/credit. we have one car now paid for, the other car we lost in bankruptsy.

We could afford to pay back the 3 year loan of 2000.00.

Our Wine Crafts is one thing we have not had to give up and would like the opportunity to make it work...

Please contact us if you have any questions. Visit us at www.ourwinecrafts.com

Thank you for listening and hope you consider our request.