Eric's Credit Community

RELISTED WITH AUTOMATIC FUNDING AND LOWER AMOUNT


Background Information:

I am a 29 year old IT Consultant with annual salary of $95,000.  I have borrowed on prosper before as well as benig a current lender of two loans.  I am in the process of fine-tuning my credit in hopes to achieve a 800 FICO within within the next couple of months.  My actual FICO scores are 700+ with the exception of Experian which is incorrectly reporting a satisfied judgement from a very old cash-to-payday loan.  I have recently rehabilitated two Department of Education loans which you may know is a lengthly, tedious process in which you cant miss payment.  Experian incorrectly lists these as current yet "derogatory" on my credit report, and they have been improperly listed as deliquent on this Prosper listing.  Trust that is not the case.  See attached credit summary from truecredit.com.  I have been mailing Experian and Prosper about this issue but they will not correct.

Purpose of the Loan:

I would like to pay off two 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)

I will have no problem covering this ~150 or so monthly payment.  Any additional information can be provided.  This will be a slam dunk opportunity for those looking to make a rocksolid return on thier investment.