Eric's Credit Community

My account is now verified, I have taken care of my delinquency (explanation below), and requested a higher interest rate.  Any and all consideration would be very much appreciated.  Please feel free to ask me questions.

Purpose of loan:
When my wife and I got married we incurred some high interest credit card debt(AMEX) paying for the wedding in OCT 06.  We purchased a house last March.  We then had to furnish it with the AMEX and a furniture loan.  The furniture loan is interest free for 28 months so I'm not concerned with using this loan to pay that off.  But, we now have about $8000 all together on the AMEX in high interest revolving debt.
Two weeks ago, I was offered my dream job in the Seattle/Tacoma area in the specialized field I work in. It is an opportunity that you can't find in Maine as far as a carrer goes, not to mention I would be starting out at a $2000/month pay increase.  This truly is an opportunity of a lifetime for my wife and me.  The move is going to cost me about $6000 to be used as follows:

Moving Company:$3400
Gas, Meals, Hotels:$800
First/Last Months rent on Apartment:$1400
Incidentals:$400
----------------------------
Total:$6000

My financial situation:
Great!!  If you look at my credit summary it will say that I have a delinquency for $177.  I didn't know about it until I signed onto this site.  Apparently, it was an overdue electric bill from college 5 years ago. So, I PAID it off.  If you would like to see my bank statement as proof I can email you a copy. I am sending it to prosper so they can adjust it.  To summarize, I am never late on any loan no matter what size.  I screwed up a little in college because I was a broke college kid and forgot to pay an electric bill, please do not judge my financial credibility on that overlooked bill alone.  I am nothing short of trustworthy when it comes to money or any other matter. I have taken a closer look at my monthly budget, gotten real numbers rather than just rough estimates and relisted.

Monthly net income: $ 3000(myself)               +               Monthly net income: $3300(my wife) 

 Monthly expenses: $
  Housing: $ 0(my wife pays the $1512 mortgage, taxes, insurance)
  Insurance: $  300
  Car expenses: $ 640
  Utilities: $ 150(my wife pays the $70 electric bill)
  Phone, cable, internet: $ 300
  Food, entertainment: $ 100(my wife pays $300)
  Clothing, household expenses $ 400
  Credit cards and other loans: $ 475(my wife pays $330)
  Other expenses: $ 100(my wife pays $200)

Total Expenses: $2465 for me   $2412 for my wife

Our combined Monthly Expenses after the move will be as follows:
New Combined Monthly Income:$8300

Housing: $700(rent)+$1512(mortgage)-$1095(rental income from our house)=$1117
Insurance: $  300 
Car expenses: $ 640  
Utilities: $ 200
Phone, cable, internet: $ 300  
Food, entertainment: $400 
Clothing, household expenses $ 400  
Credit cards and other loans: $375(furniture bill and school loans)
Other Expenses:$300
Prosper Loan:$494

New Combined Total Expenses:$4526