Eric's Credit Community

Purpose of loan:
This loan will be used to consolidate, refinance and redistribute my debt, thereby guiding me quickly onto the path of prosperity. Your money will give me the opportunity to get a handle on my finances so that I may begin to pursue a lifelong goal of mine (and my partner's) which is to open a wine bar / art gallery. I am a passionate artist, an unpretentious wine lover and an ambitious entrepreneur. I have a strong desire to succeed.

My financial situation:
I am a good candidate for this loan because all of my accounts are in good standing and I always make my payments on time. My credit rating is low because I have been extended and subsequently have taken on too much credit. Currently, I'm in the position where I am able to keep the status quo going, but, I can't seem to get out from under my debt. I work very hard as a professional waiter in a prestigious restaurant and I make a good steady income. I have supported myself as a fine-dining waiter for 18 years.

Monthly net income: $2250+
Monthly expenses: $1810

  Housing: $495
  Insurance: $45
  Car expenses: $155
  Utilities: $65
  Phone, cable, internet: $100
  Food, entertainment: $200
  Credit cards and other loans: $750 (my debt to income ratio should improve once I am able to pay down my cards)

With your financial help and my spreadsheet / budget in place I can begin to rebuild my finances and confidently move on toward achieving my goals. I thank you for your time and consideration! P.S. If you click on the photos above you will see some examples of my art...