Eric's Credit Community

Purpose of loan
To pay off my multiple pay day loans, and clean credit. It would allow me to only have one payment @ 1/3 of what I pay now monthly. 3 months ago my credit score was 671

Monthly net income: $ 2550 not including my wife

Monthly expenses: $ 1830 + 475 above = $ 2305
  Housing: $ 1150
  Insurance: $ 50
  Car expenses: $ 50
  Utilities: $ 300
  Phone, cable, internet: $ 50
  Food, entertainment: $ 200
  Clothing $ 30

The one delinquency is a medical billing dispute that I lost I have other bills but am making payments.  The recent public record is my last landlord that ran into financial trouble and had to sell his property I was renting.  It was his problem not mine but I still had to move and pay. I have some payday loans from a new engine I had to install. They are current and even paid down a little but the interest is killing me.  I have a bank loan and small car loan that are also current. 

My payment history for the past few years has been excellent but my credit score doesn?t reflect that.  I would save $250 mo by owning instead of renting so I plan on buying a house in February and this prosper loan will definitely help improve my credit situation.  Also the loans I have at my credit union are not reported to all credit agencies.  I have been at my present fortune 500 job for 3 years now.  Feel free to contact me if you have questions.

        Advance America - $ 485                 $ 95 mo. int.
        Noble finance      -  $ 500                 $ 90 mo. int.
        King  finance        - $ 485                 $ 160 mo
        misc bills             - $1750                $ 150 mo
                                  _______                   ________
                                 $ 3500 to pay off         $ 495 mo.           

I always make my payments on time. The loan would be paid back directly out of my checking account, I would make every effort to pay off early.  The remaining $1000 would be for emergencies My car breaking down taught me a lesson.