Eric's Credit Community

My credit rating is a D,due to high balances on credit cards, and one delinquency.This past due was from a payment made over the phone. The person on the phone had written the account information wrong.This caused the check to not be processed.This made the account delinquent.They (Citifinancial) called and accepted responsibility for this, but, it still went on my credit.

As for public record there is a bankruptsy which is discharged.
My wife became ill and had to leave her job.With the doctors, hospital,and medication bills I fell behind on the rest.

My monthly take home income is 3600.This being our only income all expenses come out of this.Mortgage (1250), utilities (500), credit cards (300),and all other living expenses.

With this loan I can pay off three credit cards.
They, with the monthly payments are:
Ebay Mastercard             60
Visa                                 50
Providian                          50
 
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