Eric's Credit Community

I'm looking to get a Prosper loan to pay off a Visa that currently has a balance of $2400.

My score is currently low, as I had been unemployed for several months in the beginning of 2005.  As a result, I fell behind on 4 credit cards which caused the delinquencies last year.  Since then, I'm currently in a stable job, which began over a year ago, and have paid off all credit cards, except one.  I am working diligently to improve my credit in an effort to apply for a home loan within the next 2 to 3 years.

Here's a list of my monthly expenses.

Take home per month:     $2,300

Expenses:
Rent:               $700
Car loan:          $330
Insurance         $100
Cell phone:       $40
Total expenses: $1170

This leaves $1130 a month for gas, food and this loan.  I've been paying an average of $200 a month on my remaining Visa, so a monthly payment around $100 for my Prosper loan will be very easy to pay off and build my credit as well.  Thank you in advance for your consideration!