Consoladating debt to save my credit.

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Listing Information
Amount: $8,080.00 Status: Loan created
Grade: C DTI: 47%
Lender Rate: 18% Borrower: Mostghost
Time Left: Finished State: CA
Funded: 100% Group: Debt Doctor
Loan Information
Loan Status: 3 months late Origination Date: 2006-11-06 EricsCC ROI: -19%
Status History
Nov 06, 2006 Current
Aug 21, 2008 Late
Sep 07, 2008 1 month late
Oct 07, 2008 2 months late
Nov 07, 2008 3 months late
Expenses:
$875 Rent
$60 Cable
$15 Gas and electric
$40 Phone and Internet
$100 Groceries
$250 loan
*$100 Credit Card 1
*$100 Credit Card 2 *
Note the amounts listed isn?t the minimum payment due, it?s what I pay (usually) monthly in an effort to pay down my debt. Sometimes it?s more but this is the average amount.

Total Expenses = $1540

Income
Gross 2080/monthly
Balance after expenses are paid = 540

By consolidating, I reduce my monthly debt payment from 450/month to 320/month.
This frees up $130 each month.

A prosper loan will help me by making my debt much more manageable. I will now only have to make one payment towards my debt instead of three. Plus it will also save me money in the long run, since the interest is much more reasonable than the one on my current loan.
I have a steady job and I also do some freelance design work on the side so repaying the loan should be no problem.
I can'?t make anyone trust me, all I can do is state the facts of my situation as is and hope that someone can see where I am coming from and give me a chance to prove myself.

FYI..all the listings aren't because i am flaky,there just isn't any other way to edit a listing...please don't hold this against me.

 
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51775 Consoladating debt to save my credit.Please help me! C $8,080 @ 24% Oct 22, 2006 Withdrawn
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52845 Consoladating debt to save my credit. C $8,080 @ 23% Oct 24, 2006 Withdrawn

 

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