Eric's Credit Community

My husband and I are wanting to get rid of our 2 credit cards. It gets hard to keep making pmts and the balance is going nowhere. We are very good with our money. The only reason we have the cards are due to getting married, honeymoon, moving to the city buying and furnishing a home, In those 3 yrs the cost had added up.
We are now at the stage of wanting to have a child. the smartest thing first is to get out of debt. Moreless a new beginning.
We have never been late on payments, never in a bind for paying bills, always pay more than required (those bills come first, reguardless.) The goal for this loan is to see the light at the end of the loan within 3 yrs, or less.

HERE IS OUR MONTHLY EXPENSES:

MORTGAGE: $820.00
HELOC: $100.00
PHONE: $112.00
UTILITIES: $80-$140 (season)
CREDIT CARDS: $600
CAR INS: $54.00
GAS: $110
TRASH: $8.50
DEALER ASSOC: $100

ON AVERAGE WITH ANY EXTRA EXPENSES TOTALS $2100-$2300

Budget of Monthly Income

Base 1688.00
Spouse Base 1612.00
Totals: $3,300.00

That gives us at least $1000 extra after all required bills

I have worked 2yrs for the now the largest credit card company in the world JP Morgan Chase. It provides both of us, medical, dental, life insurance, 401k, short/long term leave. Coverage is nearly endless.
I also just received a new job position along with a pay raise 2.7% that will reflect in November. I also get paid incentive, (amount varies)
I?m also co-owner of a dealership, used imported auto?s (www.pjsauto.biz) I do not claim any income with the business. I do bookwork, inventory, website?etc
My husband has worked at a family owned business Ace Transmission for the past 5yrs. His review is in December.

Credit Scores are great. Mine:731 His:724
I am I am actually considered with no debt ratio. Husband is ?primary? on everything except for 2 credit cards.

We have never had any credit risks, or payment problems. Our jobs are permanent. Bills are always paid first.
Hope you put time and trust into us.
Thank your for your time and consideration.