Eric's Credit Community

ABOUT ME:

I just turned 34 March 1. I?m engaged. I don?t have any children. I have a BS in Business Management. I?m a licensed real estate agent (for 6 years) I have been with my current broker since early this year. I also have a graphic design business (for 7 years, www.custombiz.net). My plan is to take these businesses to the next level in 2008.  I also need to get my credit back in order so I can get the financial backing that I will need for my businesses. I invest in real estate as well and currently have a property on the market. Along with 2 other customer listings, and 1 more on the way. I also have 2 contracts pending, for two of my buyers and they should close next month.

EXPLANATION OF BAD CREDIT:

The judgment on my credit is ?satisfied? and has been since 2002. My accounts are current, if there is anything not showing current it's probably because it was after they updated my file. Most of the inquiries are old accept for a few this year from trying to get a loan.

HERE ARE MY MONTHLY FINANCIAL DETAILS:

My current annual income is: $85,000
Spouse?s annual income: $55,000

Car loan: $475 a month
Credit Cards: $350 a month
Student loan: $260 a month
Housing: $1478.00 a month
Gas: $100 a month
Food: $250 a month
Car Insurance: $600 every six months

WHAT I WILL DO WITH THE MONEY LOANED TO ME:
I plan on using the money to pay off my current prosper loan and to pay up a few bills while this month, since most of my closing will be taking place next month. will pay off my credit cards and use the rest for business advertising.

I will have $8000 left to pay off my current Prosper loan.

I'm asking for a chance to prove myself and to get my credit scores back up to where they use to be and higher. Making my payments on time will be my top priority each month, I sincerely promise you that and as you can see from my financial details, I will have the money to do it.

Thank you for help.