Eric's Credit Community

PERSONAL INFO
I am in Marketing and I have been with my current company for almost 5 years. I am single with no kids; I rent a condo and have been living in the city for five years.

CREDIT RATING EXPLANATION
My credit rating is D with a DTI of 3%. The rating is low because I was a stupid college student who overwhelmed herself with too much debt. (NOTE: there are no current late amounts. I have submitted disputes to have this corrected and I have a Trans Union Report that more accurate.)

For my birthday last year, I paid off those credit cards and my car (6 months early)! Well like everyone said?once you payoff your car-you have problems with the car.

My car is a Honda so I never had problems before.  Recently I had to take my car in for repairs to my engine, engine right block (I think that is the right terminology), complete brake job, 90,000 mile service, and blinking D4 dashboard issue due to a transmission issue. I plan on keeping this car for a long time.  I am being relocated to New York City next year and thank God I will not need a vehicle. I will sell my car to my brother before I leave for NY in May.

REASON FOR LOAN
I will also use the loan to pay for the following:
1) To pay for the Car repairs
2) To pay for two medical bills for my mother (Kennestone & Gwinnett)
3) To establish additional positive credit to continue the upward movement of my credit score. My goal is to pay of this loan early as I did my car loan.


BUDGET INFO
Monthly Income after taxes: $ 4,346.74 (verified with GL)
Monthly Payments - before Loan
Rent: = $1,300
Phone + DSL = $115.00
Utilities = $65
Rental Insurance = $20
Cellphone/Blackberry = $125
Car Insurance = $150
Gasoline = $30 (I live and work in the city)
Credit Card $500 (car repairs)
Food $150
Misc (10% pay) $500 (this is estimated)
Total Exp per mth = $2,955
*Total Cash Flow = $1,391.74 (with need to pay immediate amounts = Car Repairs & Medical Bills)

Monthly Income after taxes: $ 4,346.74 (verified with GL)
Monthly Payments - after Loan
Rent: = $1,300
Phone + DSL = $115.00
Utilities = $65
Rental Insurance = $20
Cellphone/Blackberry = $125
Car Insurance = $150
Gasoline = $30 (I live and work in the city)
Food $150
Misc (10% pay) $500 (this is estimated)
Prosper Loan Payment = $402.92 paid in full plus paid off Car Repairs (credit card) / Medical Bills (mom)
Total Exp per mth = $2,707.92
*Total Cash Flow = $1,638.82 with paid off Car Repairs (credit card) / Medical Bills (mom)

As you can see my cash flow after the loan increases due to the payoff of the car repairs. 
I hope you consider me a worthy risk and bid on my listing.
T