Eric's Credit Community

Purpose of loan:
I have a Chase credit card that is 29.99% I pay a lot of interest every month to them and I am tired of it. I had other listings before and closed them out because I wanted to pay my Bank of America card off as well, however, that would not be a very smart financial decision. The interest here would be too high. So I just want one paid off every month.

My financial situation:
I am dependable. I live in Mobile, AL. I have been a paralegal for 2 years and 7 months. 

I do not have any delinquencies on my credit profile. I have paid on time and I usually pay more than expected. I am tired of paying high interest on this credit card. I will close this card once I am funded for a loan. I will pay on time. I also just paid off a personal loan that was a 3 year loan in June 2007. I do believe the reason my DTI is so high is because when I divorced my ex-husband pays for the explorer we purchased together and another credit card. The explorer was costly, however, he makes great money so he can afford it.

 I also had an incorrect DTI earlier. Prosper had my income as less than $24,000 and that was incorrect so I corrected it. I just signed up on prosper.com so my address isn't verified yet. It will be soon.

 I am valid for my word. I am seeking your help. I appreciate each bid. If you have any questions, please ask. Thank you for your time and consideration.

Monthly net income: $ 3,125.00

Monthly expenses: $
Housing: $ 675.00
Insurance: $ 97.00
Car expenses: $ 316.00
Utilities: $ 100.00-cable is with rent and so is water. I pay electric only.
Phone, cable, internet: $ 98.00-cell phone only.
Food, entertainment: $ 255.00
Clothing, household expenses $ 100.00
Credit cards and other loans: $ 216.00-two credit cards (Chase and Bank of America)
Other expenses: $ 150.00-school loan

 total bills: $2,007.00