Eric's Credit Community

Hi, I am a single mom of 3 and I am requesting $1450. I would like to payoff a payday loan ($432) and pay off a car note ($990) sooner so that I can trade it in or sell my current car for a more reliable one. Paying off the car will boost my credit score. The prosper loan will also add another positive tradeline to my reports which is what I really need now because I am rebuilding from a Ch 7 bankruptcy. I have 2 credit cards for modest amounts and I pay my bills on time. I have a 30 day late on my reports for my car loan being late over the summer. I would someday like to own a home, so rebuilding is very important to me. Please help invest in my future. My take home pay is 1818 a month and $411 in SSI for my child.
My budget is as follows: Rent 515, Food 400, Car note 330, Car insurance 200, Cable/ Internet 175, Credit cards/loans 100, laundry 80, cell phone service 75, life insurance 56, gas/carfare 60, telephone 30. The proper loan (approx $65 a month) would replace the car note, therefore I know that I will be able to pay the loan and put some money in the bank.