Eric's Credit Community

    I am a 48 year old single male living in Seattle Washington.  I?m an owner of a 2 bdrm, 1.75 bath condo in North Seattle since Oct 2000.  Prior to that, I rented an apt in downtown Seattle since moving here from Hawaii in March 1996.  Prior to moving to Seattle, I was a renter of a 2 bdrm cottage in Honolulu for 13 years.
    I work as a paralegal for an asbestos law firm in Seattle since March 1998.  My yearly income, after taxes, in 2004 was $79,000; in 2005 $110,000; this year at present $55,000.   A change in overtime procedure implemented this year, has and will affect my income for this year.  Because of that, I find myself trying not to fall behind in my financial obligations.  My mortgage is paid first, with the other creditors getting paid the minimum amount due.  I don?t think I?m in a dire situation yet, but I?m just afraid of missing a payment.  Something I don?t want to ever do again.
    My past credit history contains delinquencies.  I am proud in the fact that in the past 5 years I have made my payments on schedule and at times had my accounts down to zero balances.  However, because I like to eat out a lot and have been buying designer suits [since losing 50 pounds], I find myself in need of some help.
    I currently owe about $6050. in credit cards, both bank and retail cards. My monthly expense for paying these creditors is about $450. 
    My recurring monthly expenses is about $2650, which consist of a mortgage $1700, condo homeowner dues $275, electricity $350, phone $45, and auto insurance $275.
    This loan will not be used by me to keep going out to dinners or keep buying expensive suits.  I want to pay off my bills and start saving again.  I plan on not using my cards as much or even using just one card to pay for all my purchases.  I also plan on closing some of my credit and retail charge cards, but will definitely keep my Nordstrom and Banana Republic cards.
    The left over amount from this loan will go towards the purchase of new kitchen appliances [stove, fridge and dishwasher], something that I?ve been wanting to get for a long time.
    I feel very comfortable in my ability to repay this loan.  I treat it like a mortgage loan or even like borrowing money from a family member.  I know I?m not going to embarrass myself or screw up on this.
    I hope you find my listing honest, sincere and worthy of your trust for a potential loan.  I promise you full repayment of this loan, on time, on schedule, and at the terms agreed.   Thank you very much for your consideration.