Eric's Credit Community

Why am I here:
The purpose of this loan to pay off my final 3 past due accounts and increase my available credit. When I started on Prosper I had 8 past due accounts and I recently paid off 5 when I started my new bartending job. My goal is to pay-off all of my outstanding debts to increase my available credit, and hopefully to raise my credit score fast enough to qualify for a mortgage loan.
My parents still help me with several of my bills, including rent, and my father recently told me he would rather spend my 'rent' money on mortgage payments, but I need to be able to qualify for a mortgage loan. So, I am turning to Prosper to quickly consolidate my outstanding debts into one loan and free-up my available credit card debt and resolve my remaining outstanding credit report issue.

Executive Summary:
Requesting: $3,000.00
Interest Rate: 29%
Monthly Payment: $126.00

Purpose of Loan:
Pay off 3 of my past(1999) bills to increase my score and available credit.
Asset Acceptance: $2000 to Settle
Portifolio Aquistion: $745
MAF Collections: $245


Budget:
Monthly Income:
Bartending Job - $1800
Monthly Net Take-home: $1800

Current Expenses:
Rent: Paid by Dad
Utilities: $150
Car Loan: PIF
Car Insurance: Paid by Dad
Student Loans: Deferred for at least 2+ years
Cell Phone: Paid by Dad
Bank of American CC: $100
Premeir Bank CC : $100
Richs CC: $125
Food/Gas/etc: $250
Misc: $150
Savings/emergency: $200 (starting this month)
Gym Membership: $34
Income v Monthly Expenses: $1800 vs $1109

Expenses w/ Prosper Loan:
Rent: Paid by Dad
Utilities: $150
Car Loan: N/A
Car Insurance: Paid by Dad
Student Loans: Deferred at lest 2+ years
Cell Phone: Paid by Dad
Food/Gas/etc: $250
Savings/emergency: $400
Misc: $150
Prosper Loan - $126 x's 2 (double payments)
Gym Membership: $34
Income v Monthly Expenses: $1800 vs $1236

Other Items of Note:
I have sent all my verification documents to my GL please contact Tommy or myself if you have any questions.

Thank you for your consideration,
Courage