Eric's Credit Community

ABOUT ME:
I am a 21 year old young man trying to improve my credit score in order to secure a better future for my family and I.  I have a fiancee of two years and two sons (1 & 8 years old) .  I am a Full Time Warehouse Specialist.  I work from 4am-4pm Monday thru Friday and 8a-4p on Saturdays.


EXPLANATION OF NO CREDIT ETC.:
I just began my credit line in 2004.  I have a delinquent hospital bill and a bank collection on my credit.  The bank collection was a misunderstanding that occurred at the branch which rendered a negative balance on my then account.  Other than those two, I have no other credit history.  I just have been unsure as to where I wanted to build my credit. A friend told me of Prosper.com and I thought; ?Why not kill two birds with one stone??  I can build my score and get much needed cash to fulfill my responsibilities as a man. Please help give me a chance to prove myself by bidding on my listing, thanks.

WHAT I WILL DO WITH THE MONEY LOANED TO ME:
$500-$800 will go to purchase a 2nd vehicle because my fiancee has to wake up every morning at 3:45a to pick me up and then come back and take a one hour nap.  She then wakes back up at 6am, preparing our son for school, dropping him off, taking our neighbor back to the job she picked me up from at 3:45a and then go to school.   She is losing a lot of sleep and I just want to purchase my own vehicle, so that she can remain focused on her studies to graduate.  She deserves it!!!   $200-500 will go for tags/title/insurance

HERE ARE MY MONTHLY FINANCIAL DETAILS:
 Net income after taxes and payroll deductions from all sources: $1500
Spouse's Income: $ 500
Total net monthly family Income $ 2000

Mortgage/Rent: $ 700.00           
Phone: $ 100.00
Gas: $ not applicable
Electricity & Water: $ 150.00                             
Car Loan and Operating Expenses: $ 50.00
Food: $ 150Insurance: $ 100.00
Cable/Internet: $ not applicable
Clothing, expenses for children, etc. $ 50.00
Credit cards and loans that won't be paid off with my Prosper loan: $ not applicable
Other: $ not applicable
----------------------- Total Monthly Expenses : $ 1400.00

Remaining Income that I can use to make monthly payments on the Prosper loan (net income minus expenses): $ 600.00