Eric's Credit Community

About Me:
I am Noel a Consultant at a Major Financial Institution in Georgia.  I have a career in Banking and Finance and have earned a Bachelors Degree in Finance and two Master Degrees one in Accounting and the second in Financial Management.  I have joined the Prosper Community and I am glad that I did! I have one loan and have been successful with the payment history as promised!
Why I am requesting this loan:

I am in the process of consolidating my debts.  I have some credit cards with balances ranging between $250 to $990 and I would like to consolidate all of my debt and pay just one bill.  I am in the process of consolidating primarily my credit card debt and will be closing all of them after payoff expect for ONE in which I will use only for emergencies.  I also have one installment loan about $900 that I would also like to consolidate as well.  I have had some credit problems in the past due to a job layoff three years ago and of course that takes time to rebuild.  However, since that time I have paid all of my debts on time and have moved up one credit grade according to prosper!  I am well on my way.

Why should you invest in me:

I have a great debt to income ratio. Currently I have the following monthly obligations:  $364 student loan payment, $275 car payment and credit card payments per month add up to about $300 per month and car insurance at $90 per month .  I don't have any utilities or mortgages to pay so my debt to income at the moment is about 13%.  I currently have a mortgage listed on my credit report that is being rented by my parents and yes, it is paid on time! I have a base salary of $80,000 and work also on a monthly bonus schedule. I do have the ability to repay this loan well before the three year maturity date!  I do not have any unpaid liens, judgements, or bankruptcies and I don't have any outstanding collection items that need to be paid.  I have established credit history and over 2 years of on time payments on all of the credit cards that I would like to consolidate.  I have some inquries on my bureau that show where I've attempted to get this loan through major banks but of course my score is all that they look at. 

One would also beg the question, if I make $80,000 why can't I just pay these off, I just recently got a promotion and I am trying to get caught up and have actually brought some of the debt down almost $3000 worth.  However, I am seeking an ultiimate goal of getting my credit score above a 720 and I believe that what's causing my credit score to remain between 600 to 640 is because of the high revolving balances that I am keeping.  I've seen the improvement since I've been paying down debt.  I thought I would try the consolidation route! 
If you have questions regarding my loan request please don't hesitate to ask, thank you for reviewing my request.