Eric's Credit Community

Per my group leader, I have withdrawn my original listing and relisted with a lower amount.(Thanks to everyone who bid on my original loan).

The purpose of this loan is to consolidate my remaining debt and continue the improvement of my credit rating. My new credit rating is actually a D, however, has not been updated in PROSPER. A copy of my credit report, new credit grade, as well as other documents reviewed by my GROUP LEADER can be viewed at: http://texasprosperers.com/vetting/4PnRzOvSePqExR2EdRdS5/bella35/bella35vetting.html

Additional Q&A's can also be viewed at the RML forum: http://forums.prosper.com/index.php?showtopic=9270

Below is a list of my monthly expenses and net income.

Monthly net income: $3,800
Monthly Expenses:

• Rent: $450
• Student Loan: $250
• Auto & Renters Ins: $126
• Auto: $538
• Utilities (electricity, water) ? (phone & DSL free) $95
• Cell phone: $75
• Dish Network:$75
• Gold?s Gym: $25
• Misc (Food/Gas/Etc.): $300
• TOTAL Monthly Expenses: $1,934

Total Debt Expenses$1,045

Total Monthly Expenses $1,934 + Mo Debt Expenses $1,045 = $2,979 surplus of $821

My total debt to date is $12,576. I am asking for a loan of $7.5K that will cover a good portion of the debt. I will payoff my delinquent accounts first, then go down the list from high APR credit cards & loans, etc.

Delinquent Accounts:

1. Paragon Way Bal: $1,100 (Original bal. was $1,239, made pymt on 9/5/06 $139 --- on 20th of each month $100 pymts will be deducted from checking acct)
2. Sky Recovery Services Bal: $479 (Pymt arrangements of $50 on 20th of ea month deducted from checking acct)
3. First Premier Bank Bal $260 (Original bal. was $520, made pymt on 9/21/06 $260 ? balance of $260 will be paid on 10/20/06 leaving a $0 balance. TOTAL Delinquent Expenses: $1,839 I will be more than happy to answer any questions you may have.

Thank you for viewing my listing.