Eric's Credit Community

First and Foremost thank you for taking time to look at my request.  Let me tell you about myself.  I?m Michelle and I?ve lived in Wisconsin all my life.  I?m a high school/technical school graduate.  In fact, because of my hard work and dedication I finished high school two years early.  I?m married to the most phenomenal man happily renting at the time.  We plan on owning a home but are saving money for a down payment.  I work at a trucking company; my husband works hard at landscaping.

Currently I make $1520.00 before taxes ($1331.92 after taxes) a month at my full-time data entry job. I have just started a part-time job as well where I make between $210.00-$245.00 a week.  Based on this I make a total $2129.00 every month AFTER taxes.  My husband does landscaping which will turn to snow removal soon.  He currently makes $2000 a month but that will only turn to about $1000-$1200 a month next week since snow removal is always so unpredictable (at least that was the average last year/ we expect no difference this year).  That brings our income after taxes every month to $3129.00-$3329.00.

*Current credit card/student loan bills:

Student Loan-Started in December, 2005
Monthly Payment: $171.86 (90 months/7 and a half years)
10.750% Variable Interest Rate

As quoted from my account..
?Total Principal to be Paid:  $7,496.00
Estimated Amount of Interest to be Paid During Repayment: $8,009.68
Estimated Total Amount to be Paid: $15,505.68?

This means I would be paying back 207% of what they borrowed to me.  I am currently on a deferment which ends this month.  I have currently been paying $10 a month and starting October 16th I will have to pay $171.86 a month.  My aunt has agreed to pay this for me as a gift for finishing school so strongly but I have to pay only $1000 of it.  She was going to have it be $2000 but she decided lower.  
Capital One-Started in January, 2006
Monthly Payment: $14
21.05% Interest Rate
Current Balance: $491.11

I used a credit card payoff calculator and if I paid minimum payments it would take 58 months (4 years, 10 months) to pay off my card which means I would pay back 160% of what they ?borrowed? to me.

Victoria?s Secret-Started in February, 2006
Monthly Payment: $10
22.80% Interest Rate
Current Balance: $239.88

Using the same credit card payoff calculator I calculated that it would take 34 months (2 years, 10 months) to pay off my card which means I would pay back 142% of what they ?borrowed? to me.

Fashion Bug-February, 2006
Monthly Payment: $10
22.90% Interest Rate
Current Balance: $95.83

Using the same credit card payoff calculator I calculated that it would take 11 months to pay off my card which means I would pay back 115% of what they borrowed to me.

Keep in mind that these do not include finance charges.  For example:  Last month on my Capital One I paid a minimum of $14 in which $8.84 went to finance charges!!!  This means only $5.16 went towards the principle!

*In addition to this we pay $120-$140/month on gas
*Food-$300/month
*Car insurance-$50/month
*Rent-$550/month
*Utilities-$50/month
*My husband sends money to his home country every week for his daughter, his mother, and to pay for his house there-$200.00/week
*Down payment for house-$400/month

*This brings our main bills to $2475.86-$2495.86.

I was asking for $3000 to pay all my bills but decided now to just ask for $1000 to just pay my student loan (my main problem) and then to gain trust from lenders and ev