Eric's Credit Community

I have a year of solid on time payments on Prosper. I realize the first thing you are going to see is that my credit has not improved since my last loan. This is not an excuse but an explanation. We have moved three times in the last two years each time for a promotion or job change for me. I have settled in with a great company in a great community and intend to stick around a few years. Unfortunately all of the moving caused some items to get paid late and the revolving credit to go up. Then as we were starting to get back on track my Mother-In-Law became gravely ill and passed away with us incurring all of those expenses.

Credit Information ?

I have a few medical bills

I have multiple deferred student loans.

I have a car loan. ( I was late three times in the last six months and that plummeted my improving credit score way down again)

I have two credit cards one secured one not.

Income ?

*My salary $3200 per month net


Outgoing ?

*Rent $700
*Car payments $750
*Utilities $400 including phone and cable
*Misc. Payments $500
*Remaining $850- These funds are spent on groceries, school costs, and outstanding debts.

Loan Use ?

* 1000 to pay down current Prosper loan
* 600 to pay down credit card debt
* 1300 to pay expenses incurred for Mother-In-Laws funeral
*$2900 Total

I am at a stable job I have just completed one year here. My last job I was at for 9 years moved here then moved back to take my position back for another year. I also have disability insurance and gap coverage in case I get hurt or permanently disabled.

Thank you for your time and hopefully funding. Please contact me if you need further information before lending. I look forward to your feedback. Thank you.