Eric's Credit Community

This listing has been vetted and approved by my group leader. 

I am a fully employed single mother who is working diligently to rebuild her credit. Earlier in life I made a number of bad financial choices for which I take responsibility. Instead of making excuses, I am working to make it right.

Over the last 17 months, I have resolved 11 delinquent accounts. I am working with creditors to pay off and resolve the remaining 22. Two (for student loans) are listed in error and will soon be corrected. I am disputing another two for an old health club membership I cancelled and never used. I am absolutely committed to repaying my debts and improving my credit score so that I can someday buy a home for my children. 

The $1,500 loan I am requesting will be used to buy a reliable used car. My previous car was a 1986 Honda Accord which I sold for a down payment on a car I was going to buy on ebay. The seller defrauded me and I have filed a report with the FBI. I would not be asking for this loan if I had not been robbed.

The payments on this loan will be around $60 per month, which I can afford with my monthly net income of $2,640. Here is my monthly budget.

INCOME
$1,740 ? salary
$900 ? child support payments
$2,640 ? total monthly income after taxes  

MONTHLY EXPENSES
$575 ? rent
$120 ? cell phone
$500 ? child care
$60 ? student loans
$150 - groceries
$120 ? utilities
$120 ? toiletries, diapers, formula etc.
$50- credit card payments
$1,575 - total monthly bills  
$945 - remaining each month to pay this loan

I WILL repay this loan in full without any delinquencies. I have come too far in rebuilding my credit to turn back now, and I would appreciate your bid to help me reach my goal.