Eric's Credit Community

Hi everyone

Thank you for taking the time to take a look at my listing. I will try my best to explain my situation and I hope you find me a worthy risk.

About me: I?m 22 years old and I am working full time as a bank teller at Army Aviation Center Federal Credit Union. June 19^th will be my one year anniversary at this job. I am also a student at . I am working on an Associate?s Degree in Applied Science. I plan on going into education when I finish. I will be graduating in December this year if everything goes right.

I?ve moved in with my fiance and we are planning our wedding now. We will be getting married next June and I?m so excited. He is a hard worker and he takes care of the rent and utility bills. I have a few bills that I will list in detail below.

Purpose of this loan: The purpose of this loan is pretty simple. I have 5 credit/dept store cards and I have been making the minimum payments on them for a few months. This is getting me nowhere as I?m only paying interest.

Capital One ? 490.00

First Premier ? 225.00

JC Penney ? 492.00

Parisian ? 290.00

Express ? 438.00

That?s $1928.00 of debt that I need to consolidate so I can make some progress.

The rest of the money will be used to finish financing our wedding. My family is not able to offer much help and my fiance?s family has already given all they can to help. We?re young and in love so please help make my dream come true with the wedding I?ve looked forward to since I was a little girl.

Income vs. Expenses

As I said earlier, my fiance takes care of the rent and utilities. I make about 1695.00 a month before taxes.

Car payment ? 230.00

Car Insurance ? 75.00

Cell Phone Bill ? 70.00

Health Insurance ? 66.00

Life Insurance ? 22.00

Savings Account ? 50.00

Gas ? 120.00

Groceries ? 200.00

Misc. Expenses (10% of income) ? 170.00

That?s a total of 1003.00 per month in expenses.  

With this loan, I can pay off these high interest cards and pay for my wedding easily. As you can see I will have sufficient cash flow remaining to pay my monthly prosper payment on time.

Thank you again for taking the time to look at my listing. Please help me get out of credit card debt and make my dream wedding a reality.