Eric's Credit Community

I live in Chicago, Illinois. I'm 44 yrs old and single. I'm a supervisor in shipping and receiving at a local hospital. We receive and distribute medical supplies. I do voluntary work in my church & independent distribution activities. I am currently staying with my mom who disabled. We're currently a one-income family, so we both help each other out. My goal is to pay off loan, Mom, debts, improve my credit score, deposit to savings. I feel I can successfully repay you $123.62 a month, and I want to show you how responsible I am. I hope to have the same chance to help others in need as well.

My estimated budget...

$30,000, annual, (new raise - $14.46 Rate) (2006)
Gross: $2316, month
Net: $1940, month
Take Home: $895.00, last $924.00, now: (Direct Deposit)

Previous Incomes: $29,000 (2005), $21,000 (2002-2004), $7,000 -16,000 (1986 -2000)

What I Have

'91 Ford Escort $2000 (Fully Paid/Own Title from friend in 2002)

Current Checking & Savings: TCF Bank (In Good Standing)

403b Job Long -Term Savings & Investment: 5%

My Expenses

Gas $40-$50, weekly/432 miles/week (approx. 1 1/2 hrs. back & forth to work)

Public Transportation w/o Car: Estimated $25.00/week (approx. 3 1/2 hrs. back & forth to work)

Past Total Cost of Car Repairs and Maintenance: $4,200 (2004-2006)

Additional Living Expenses

Housing & Living Expenses: $100

Groceries: $200/month

Utilities: $60/month

Car Insurance $250, semi-annual

Prosper Loan Monthly Payment $ 123.62 (If Loan is approved.)

Debts

Debt Management Consolidation & Counseling of 3 Unsecured Credit Cards and Cell Phone Service Cancellation at $2900, $118.00, month (2 years)
Mom's Personal Loan to pay for last two car repairs: $200.00 ($100.00 paid back)
Payday Loan #1: Total Balance: $718.00, Status: In Collection; 3 Payments: (1) Money Gram of $50.00 on Friday, 10-13-06. (2) $337.00, APR: 353.59,
Payday Loan #2: Total Balance: $325.00, Payments: Refinancing $75.00, month, auto debited from personal checking account), APR: 547.50
Old Checking Account: Chase Bank, Insufficient Funds: $250.00

Total Est. Expenses: $480.00

Total Est. Debts: $2200.00
Total Est. Monthly Cash Flow after Debt and Expenses: $200

Thank you for taking time to read my request.

Yours Truly,

Positivefreevibes7