Eric's Credit Community

First let me introduce my self: My name is Kim [LAST NAME DELETED] and I am a single mom raising a teenage daughter.   I work in Customer Service for a Corrugated Box Company.

The Purpose for my Loan: I went through a divorce and bankruptcy about 3.5 years ago.   I have been working hard at getting out of debt and increasing my credit score.  I have the last of my debt totaling $5000.00 that I want to take care of.     My Credit History: I went through a bankruptcy and divorce at the same time.   I was able to keep the house and recently refinanced at a lower rate.   That has helped but I have around $5000.00 left that I would like to combine in to one payment.   My daughter who is a senior this year would like to attend college next fall and I would like to be able to put some money in savings to help her.   I also want to get out of debt and increase my credit score.   I have been working very hard since the divorce/bankruptcy to achieve this goal.  

Income Information: My current income is $45,000/Anually and I also received $450.00/monthy child support which my daughter will be staying with me during college so I will receive child support until she is 21 years old as long as she is in college.     I have outlined my monthly budget for you to look at and see that I am capable of repaying the loan.  

Breakdown of Income: Customer Service: $2647.00 Child Support: $450.0
Total $3097.00
 
Expenses
Mortgage: $790.00
Car Payment: $270.00
Credit Cards: $100.00
Utilities: $110.00
Car Insurance: $75.00
Cell Phone $60.00
Gasoline: $80.00
Groceries: $300.00
Prosper Payment: $201.00
Entertainment: $100.00
Total Expenses & Debt =$2086.00
Total Monthly Cash Flow after Debt and Expenses: $1011.00

By looking at my income vs. outgoing bills I can afford to make the payment.    I know I have had some late payments in the past and in the last 6-8 months had not had any late payments except for one on my mortgage which was due to paying two $500.00 deductibles on the house and car after a thunderstorm did hail damage on my car and roof.    I have been working very hard to keep doing what I need to do to increase my credit score.   I have worked hard to keep the house and I am not a quitter and do not see any reason to back down now.   I appreciate you taking the time to consider me and I will not let you down.