Eric's Credit Community

ABOUT ME
51-year-old professionally employed with the U.S. Government in federal law enforcement for more than 18 years with a strong regular income. Custody of kids last six years now 22, 20,18,12 and 3 yr old grandson.
INCOME
Annual salary $146,100 ($5610 gross per biweekly payday), verifiable + $2400 incoming child support.
    $12175 gross monthly income
   + $200 monthly incoming child support
    =$12375
   - $3,440 monthly expenses (see below)-
   - $3,700 monthly housing, revolving and other debt payments (see below)
MONTHLY BUDGET & EXPENSES
* Food-Groceries/$800
* Utilities/$600/gas, water, electric, phone, cable
* Cell Phones/$180
* Car insurance/$420/ 2 young drivers
* Day Care/$250/Grandson
* Prescriptions/$100
* Dental/$100
* Clothing/$200
* Auto/$200/oil, gas
*Misc Costs    $539
*Savings/$1000/savings and emergency funds savings and emergency fund: $4589
* Total Monthly revolving debt $3800 including current Prosper loan with perfect payments.

PLAN LAST TIME
Raise score to mid 600s for 100% mortgage on house *DONE Pay car off  DONE. Divorce related collections PAID OFF

PLAN THIS TIME
Used CURRENT prosper loan to clear up old debt.I raised my scores and bought my house. Used some credit to fix up and furnish my house, yard landscaping, new carpet, sprinkler system etc... I now want to want to pay down those cards and some I used to pay out the IRS with the last $7k surprise fees the last from all tax years before divorce.

I want credit to reflect less sources and less usage to re-raise scores since I am getting Re-married(different person) and want to start a little cleaner, sell current house and move into larger house.  Have had my last loan almost two years and never missed a single payment..not one! Not sure why my grade here is lower since on Experian's own public site I am at a 679,  My real FICOS all range from 632 to 665. Down some for usage on upgrading my house and rebuilding with decent furniture after divorce. Another pay increase scheduled for Jan 09 will raise gross by 6 percent to over $150,000 Future wife is a RN income of $64k per year so we will be over $215k after the big day September 12, 2008. THANKS IN ADVANCE TO THOSE WHO HELPED LAST TIME AND TO THOSE WHO MIGHT HELP THIS TIME! Feel free to email me with any questions.