To Improve My credit score and Debt help

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Listing Information
Amount: $3,000.00 Status: Loan created
Grade: D DTI: 18%
Lender Rate: 19% Borrower: Bluetech131
Time Left: Finished State: CO
Funded: 100% Group: (No Group)
Loan Information
Loan Status: Current Origination Date: 2007-07-05 EricsCC ROI: 15%
Status History
Jul 04, 2007 Current
Purpose of loan:
I need to improve my credit score and have a little bit of savings for the future

My financial situation:
I have a good paying job at a Mercedes Benz dealer. Been there for 5 years and Not planing on going any where else

Monthly net income: $ 3200

Monthly expenses: $
  Housing: $ 0
  Insurance: $ 94
  Car expenses: $ 250
  Utilities: $ 0
  Phone, cable, internet: $ 75
  Food, entertainment: $ 500
  Clothing, household expenses $ 220
  Credit cards and other loans: $ 563
  Other expenses: $ 0
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