Eric's Credit Community

I?d like to take the time to thank everyone for reading my loan request. I am a marine. I married at an early age and immediately got into debt with the wedding.

My wife wanted to wait until she was ready before having a baby and now she is. We would like to have our cards all paid off before they start gaining interest and before the baby is born. Right now they are at 0% and will go to 30%, our goal is to pay off the cards and replace that debt with a single payment.

I have a Home Depot card with a $4,000 credit limit that hasn't been used, just have it for the credit right now.

The debts are as follows:

Capital One $483 @ $20 minimum, Limit is $500
Chase Bank USA $621 @ $35 minimum, Limit is $800
Gordon?s/CBUSA $526 @ $10 minimum, Limit is $3,000
USAA Savings Bank $1,223 $25 minimum, Limit is $1,300
USAA Savings Bank $517 @ $15 minimum, Limit is $600
Discover Financials $923 @ $30 minimum, Limit is $1,000
HSBC Retail Services $1,490 @ $30 minimum, Limit is $1,500
Kay Jewelers $502 @ $15 minimum. Limit is $1,000

Credit card debt totals $6,285.00 and never a missed payment on anything.

We also financed a 2005 Pontiac G6 priced at $21,900 @ $360 a month and have not missed a single payment.

My credit is about a 560 mainly because my cards are too close to there limits.

The monthly bills are:
electricity - $120,
cell phones - $100,
groceries - $600,
and water is included with the rent which is $400.

The total of our money going out for utilities and payments is $1,760.00 if we just pay minimums, but we normally pay well over them just to get them down a little quicker. 

I make around $60K. We also have a loan from her father that we pay back that doesn?t show up anywhere, the loan was for $10,000 as a down payment on our car. We are paying him $500 a month.

The debt mentioned here is in both of our names and we are both paying them down. I have just been promoted and am now making an additional $10k a year. I?m coming up for another promotion in 6 months. We heard about prosper from a friend and thought we?d give it a try. We want to build our credit and this looks like a good way to do it. We appreciate anything that you are willing to do for us.