Eric's Credit Community

My name is Gina [LAST NAME DELETED] and I am a single mom raising 3 beautiful children.
I've been a struggling single mom for 9 years, working at dead end jobs. I moved to Texas 2 years ago, and started working for a fortune 100 Pharmaceutical Company. In the past I was unable to make ends meet working for minimum wage, in which I've had some delinquencies on my credit. Now that I'm making better money, I think it's time to pay my old debts off. This is where Prosper comes in. I would like to go the honest route, and hire a lawyer to consolidate my debts into a low monthly payment.
I'm not going to make excuses on why my credit scores are low. It is caused from poor judgment, and not knowing how to budget money. Now that I'm a lot older, and wiser I am able to budget my bill money, before anything else. My credit scores are low, and I would like to raise them up, so I may provide a better future for my children. Right now I do not own a home, and I cannot purchase one until I pay off my debts.

current income : $33,656/Anually

Employer- 1650(monthly)
Child support- 529
S.S.I.- 609

Total monthly-2788.00

I have outlined my monthly budget for you to look at and see that I am capable of repaying the loan.

Rent 700
Car payment 328
Credit card 50
car insurance 120
Phone 55
Student loan 50
Gasoline 60
Groceries - 150
Total Expenses & Debt = 1513
Cash left over: 1275

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 delinquencies, but I am trying to get back on track, and erase any debts that I may have. I just want to make things right. And that is what I intend to do. I may be a single mom, but I know I can make things better for my children. And I will do anything it takes to achieve this. I need the loan to help improve my credit scores by showing that I can make payments on time, and payout loans. I give you my word, that I will pay on time every month. My desire is to work towards becoming a Prosper lender and to build the American Dream for myself and my family. Because of that determination, I will not let my lenders down and will make every monthly payment on time. I?m asking for a chance to prove myself . Once I get on I would like to help others achieve their dreams also.

Thank you for taking the time to consider me , I truly appreciate it.