Eric's Credit Community

Hello, I'm a mother of a wonderful 4 year old.  I have been with my spouse for over 10 years, and we have a 5 year old boxer. 

I have been with my current employer for over 2 years.  I had the opportunity to continue on with my previous employer that I was with for over 3 years, however, my current employer offered me a position that I couldn't resist.  I work there full time, and they are a wonderful company to be with. 

Four years ago I decided to help a family member obtain a pretty significant loan with a fairly good interest rate. At the time, my credit score was in the high 700's to low 800's.  I worked very hard to get to that point and was very determined to keep my obligations to my lenders, and to myself.  Unfortunately, the borrower did not make one payment, leaving me a high monthly payment that I could not handle.  Which lead me to file for bankruptcy.  It was devastating and was a lesson learned.  Not to take out any loans in my name unless I can pay the monthly payment, regardless if the person I'm helping promises to pay.

Soon after, I gave birth to my son.  Then I found that I had a serious illness that needed to be taken care of.  For the last 4 years I have been struggling to get back on my feet because of the illness.  I am now better, working full time, and ready and DETERMINED to get my credit score back to where it was with a lot of hard work and dedication if given the chance by starting here, with a fully funded loan.

My illness has gotten the best of me over the years, however, it's my turn to get the best of it.  My doctor's and I finally found a combination of treatments that are working to control the symptoms and allow me an opportunity to have a normal life. 

However, because of different treatment trials, I had to go on short term disability which lowered and sometimes deminished my pay checks.  I ended up having to take out several check loans just to pay the monthly bills and make sure my son was fed.

I am now back at work full time, feeling healthy and happy.  I already have a funded loan, of which I plan to pay off with this loan.  And I plan on paying all my check loans off.  I just feel this is the best way, out of all my options, to get back on track with my finances.

I make about $2100 monthly plus bonuses that range from $50 to $200 per check.
My spouse makes about $2800 a month.  We both work no less than 40 hours a week, and is very likely that we both end up working more hours.

Our monthly expenses are as follows:
$560 Rent
$360 Car Payment
$400 Truck Payment
$400 Day Care
$194 Insurance for both cars
$80 Utilities
$60 Cable/Internet
$70 Phone
$80 or so for gas
$400 for food and gas

We also have about $2000 (total, not monthly) in other debt that won't be paid off with the prosper loan.
= $2700 for monthly expenses combined

Plently of money left to make monthly payments on the prosper loan!! 

The current deliquency's listed are 1.  Student Loan  2.  Hospital Bill.  Both of which you could understand can be hard to pay at times, however, they are getting payments now.

Thanks