Eric's Credit Community

Hello, 


I want to start by saying thank you to all the gracious lenders that bid on my previous loan requests.  I have relisted to request a smaller loan to pay off our credit cards.  I realize our journey towards healthy credit is going to be one small step at a time.  I hope you will read through my listing and see that we are good, trustworthy people who will repay our loan back. 

My name is Summer [LAST NAME DELETED] and my husbands name is Frank [LAST NAME DELETED]. We live in Garden City, KS and have four children ages 7, 6, 5, & 3. The two oldest children are my step children and have special needs; our son has autism and epilepsy, and our daughter has autism. Due to our children's special needs we have incurred many medical bills that we were totally unprepared for. Thankfully, we have since paid off our medical bills and many other of our debts as well as you can see by my debt to income ratio.

My husband is a veteran of the United States Marine Corp. where he served 8 years.  He currently is a manager at Enterprise Rent A Car and we are both going to be completing our Bachelors degree in August. 

As you can see by looking at my credit I have no late payments or delinquencies; also my debt to income ratio is low. We would like to use the $2,800 to pay off our high interest credit cards.  We are hoping to receive a loan to help us consolidate our credit card debt and in doing so reduce our monthly payments as well. We are hoping to get out of debt and work our way towards healthy credit so that we can have a healthy future financially for ourselves and our children.

We have been paying all our bills on time for a very long time now, the only reason why our credit shows negative is because our credit card balances are high and need to be paid down.  I have selected the highest interest rate our state will allow which is 20.75%.  If we are to receive this loan through the gracious lenders at prosper, we wil pay this loan on time just as we have been paying all our other bills on time.

Sincerely Grateful,

Summer [LAST NAME DELETED]