Eric's Credit Community

    Hello.  Thank you for taking your time to consider my loan listing.  Here is some background to my request:   

    In March, 2002, my husband?s company shutdown their West Coast operation, and he lost his engineering job and medical insurance.  Four months later, he required major surgery.  Although the surgery was successful, we incurred very high medical bills, fell behind on current bills, and eventually had to sell our home in 2003.   

    In the last (2) years we have been making headway, and my credit report has improved considerably.  This is because we have significantly increased our income.  My husband has worked consistently as a  contract engineer since 2003.  Also in 2003, I began working in as a Child Care Leader for a local school district.  In March, 2005, I additionally began working as a part-time Administrative Assistant for a successful general contractor.  In August, 2006, the general contractor offered me a raise to work full-time, which I accepted because it more than offset the child care job.          

    Now that we are on a steady footing, my next goal is to clean up my credit and medical bills.   My income amounts to $4,333/month and my husband?s income is $2,240/month; for a combined total of $6,573/month (verifiable).  Our only active account is a $447/month car payment, which is current.  Thus, our combined DTI is less than 7%; mine alone is 11%.  Our rent is $1,400/month.  Our other expenses (groceries, utilities, phones, gasoline, car insurance, etc.) are $1,000/month.  

    Thus, we can easily afford the payment on this loan, and intend on paying it off early.   

    I would deeply appreciate your consideration of my loan request, and again I thank you very much for your time.