Eric's Credit Community

Family:
I have lived in Buffalo, New York my whole life.  I also have been married for the last 10 years and have two childern. 

Loan Purpose:
I had been working as a computer consultant part-time for the past 8 years while working full-time as a computer programmer for a direct mail company.  A little over a year ago, I decided to be a consultant/contractor full-time and went out and out my DBA.  I recently became incorporated and the name of my company is "Niagara Concepts".  I have had the same client since I started consulting full-time and have a very good relationship with them.  We are already planning new projects for the coming year.  I am looking for this loan so that I can purchase some new equipment and working capital so that I can expand my business.   I am also looking to pay on some credit cards that are overdue.

Credit History:
As with most people I have made several mistakes with my credit by not keeping my payments current.  I am working diligently to keep my credit score in good standings as of now and working to increase my score.  One of the problem with my credit score is that my soon to be exwife did not believe in paying the bills.  I thought you use the money I gave her each month to pay the bills and she was spending it on herself.  I also had problems with a tenat of mine not paying me on time which affected a mortgage payment that has since been corrected.

Repayment Ability:
I know my credit shows a HR, I have some debt currently.  But with my annual income of $50,000, I am working on correcting the problems now that I know how they where caused.  I can definitely pay off my Prosper loan.

If you have any questions please contact me at   [EMAIL DELETED]