Eric's Credit Community

Hello and thank you for viewing my listing.

For me, the summer months are the most difficult; I only receive half of my regular pay. I can usually handle it, but this summer has been extremely rough since my roommate left me holding the "rental" bag, a $1100 long distance bill and $300 cable bill!  This has placed me between a financial rock and hard place.

I realize that right now I have a low credit score, and this came as a direct result of a a very contentious divorce.  Now that's behind me, I'm ready to re-establish and improve my credit score to my pre-marriage scores.  Nevertheless, I really need this loan, as I can't cover my rent with the pay checks I'll receive for August.

This loan will be used to pay my rent for August and September until my full pay starts again at the end of September. 

  Housing: $1850.00 (rent) x 2
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$3700 - Total amount of housing for August & September

I'm a good candidate for this loan because I have been working on my job for close to ten years, and I have tenure.  Also, my union just negotiated a new contract that will give me a 3% raise for the upcoming school year, which is not reflected in my current monthly net income. 

My current monthly net income is $6000, which starts up again on September 28th.

Here's my monthly budget with the prosper loan in place:
  Housing: 1850.00
  Insurance:  200.00
  Car Loan:  435.00
  Car expenses: 150.00
  Utilities:  150.00
  Phone, cable, internet:  200.00
  Groceries:  200.00
  Cell phone:  150.00
  Credit cards:  500.00
  Student Loan: 530.00
  Misc. Expenses: 100.00
  Prosper Loan:  156.00
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$4621 - total monthly expenditures

As you can see, I have over $1379 left over to be used for savings and emergencies so that I never get into this situation again.  My payments to Prosper will be my top priority each month and my payments will be automatically taken out.  I plan on doubling up on my payments so that I can repay the loan before one year and improve my credit score.

Thank you again for viewing my listing and God bless.