Eric's Credit Community

I am responsible, have been with the same employer since Aug 1987. I pay my bills on time to the best of my ability. Lately my consumer credit is getting out of hand. I?ve had a few listings that came close, but  I think I set my sights too high-came very close though. I?ve reassessed my goals and will go with a lower amount this time.

 I have 4 wonderful boys aged 3-18 years old. I have a great relationship with them even after my wife and I separated in June 97. I do pay my child support and I spend every weekend with the little ones. I try to be a good role model to them and to teach them to do the right thing.

 Also I'm pursuing a part time job, and It looks like that will pan out any day now. I also sell on EBay to supplement my income and help pay my expenses, and have an excellent 100% reputation.I did go through Chap 7 bankruptcy in 1999, and I don?t want to go that route again. I can do it on my own with a little help. I also have a 401k loan that will be paid off in Dec 08, and plan to take out a new one to pay off my Prosper loan early. I will invest back into this program as a lender when I get back on my feet. I do hope the community takes an interest in my situation and funding this loan will do so much good to improve my financial situation.

Monthly net income: $ 2200 (after child support)

Monthly expenses: $ 2200
  Housing: $ 725 monthly rent
  Insurance: $ 0 Health and life paid by employer
  Car expenses: $ 0 don?t drive at this time
  Utilities: $ 50 Electric-Gas and water included in rent
  Phone, cable, internet: $ 175 Att & Comcast
  Food, entertainment: $ 300
  Clothing, household expenses $ 100
  Credit cards and other loans: $ 650
  Other expenses: $ 200 misc