Eric's Credit Community

I am a 28 year old married father 1 1/2 year old beautiful baby girl.  .  I graduated from a Big Ten school and have been employed with the same employer since then (approaching five years).  I am currently pursuing my mba at night and I am about 3/4 way done.  I really want to finish asap and not have to skip any semesters.  My wife and I have credit cards that we want to consolidate as well. That?s where you can help.  I know my credit score isn?t the best.  When I was working towards my bachelors degree I was immature and I abused my credit cards.  However, I have grown up since then and I haven?t missed/been delinquent on my mortgage payment (approximately 3 years) my credit cards (just over three years) and any other payments. There is (1) delinquent that shows up on my credit report that was paid almost four years ago through MSUFC and it's for $109.  I have the zero balance but the credit reporting agencies are not the most thorough no matter how many times you re-send them your paid in full letter.

Aprox. Monthly Income after taxes ($4,500)?this is an average since 67% of my income is base and the rest is from quarterly bonuses. I don?t have a car/insurance/gas payment because my employer provides that as a benefit.

Mortgage/Escrow:  1,250
Wife?s Car pymt:  275
Wife?s car insurance:  100
Internet/Cable/Phone:  200
Gas/Electric:  250
My credit card:  150
Wife?s credit card:  275
Misc (formula,diapers, food):  150

Est Monthly Expenses: 2,650

Thanks for your consideration!!

Best Regards,

Joe