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I'm a hard-working, family-oriented, responsible individual who's fallen on hard times over the last couple of years. Struggling to make ends meet I began racking up credit card debt. With things finally looking up (I'm starting a new job) I'm ready to cut up my credit cards and consolidate my debt, so I can focus on what really matters: my wife. One of our goals is to become debt free within 3 years and come up with a down payment for a new townhouse, so we can start our own family. This loan will be a big step towards achieving those goals.
I have a fair credit score. Never been late, never missed a payment. My only mistake was to open lots of new accounts and then almost max them out.
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