Eric's Credit Community

RELISTED WITH AUTOMATIC FUNDING


Background Information:

I am a 29 year old Software Engineer / IT Consultant with an annual salary of 95,000.  Unfortunately I have had the burden of helping a relative through a tough time which has left me unable to save money.  I am in the process of cleaning my credit in hopes to achieve a 800 within within the next couple of months.  My actual FICO scores are 700+ with the exception of Experian which is incorrectly reporting a Judgement from a very old paid PayDay loan (see picture).  I have recently rehabilitated two Department of Education loans (see picture) which you may know is a lengthly, tedious process in which you cant miss payment.

Purpose of the Loan:

I would like to pay off these credit cards.  I have researched many consolidation companies and am unsatisfied with the credit results.  Paying these in full will have a greater impact than consolidations and credit utilization is one of the biggest factors on credit score.  I'd like to move this debt to installment credit.

Itemized Monthly Expenses:

Mortgage	$1600
Mercedes Auto Loan (never late)	$802
Auto Insurance Account:	$149
Mobile and IP Phone Accounts	$100
2 Rehabbed School Loans	$125
Bally's Total Fitness	$34+
HOA Fees	$250
Others (Gas, Food, Shopping, Etc)	$300+
Total:	~$3360+

Monthly income after taxes:   $4800 (pay stubs can be furnished)

Any additional information can be provided.  This will be a slam dunk opportunity for those looking to make a rocksolid return on thier investment.