Eric's Credit Community

ABOUT ME
I am a 28 year old single mother of a six year old little girl. I have been working full time for a one of the top Commercial Insurance companies in the US for over four years. EXPLANATION OF CREDIT
At that time of my pregnancy I was working from 3:30 - midnight. Unfortunately, when I was ready to return to work I was unable to get a normal day shift and therefore could not find childcare. So at that point I became unemployed and I was paying just the "essential" bills. I stopped paying all of my credit cards because I didn't have the money, and everything went to collections.

LOAN USE:
Derogatory Accounts:
Crossing Pointe: $235.00
First Premier: $481.00
Seventh Ave: $255.00
Aspire Visa: $209.00
Total: $1180.00

I did not have any open accounts, so several months ago I applied for a few credit cards. Unfortunately, these cards came with a lot of upfront fees, so by the time I received them, the balances were already over $200.00. Since I have lowered my requested amount, I will work on paying these down on my own.
Card1 - Limit $300, Balance $253
Card2 - Limit $250, Balance $234
Card3 - Limit $300, Balance $247
Card4 - Limit - $300, Balance $276
Card5 - Limit $300, Balance $291

MONTHLY FINANCES:
Monthly take-home
$1790
Rent $240
Heat/Electric $75
Cable $65
Phones (cell & home) $95
Child Care $205
Groceries $250
Gas $60
Car Insurance $40
Student Loan $176
Credit Cards $150
Total - $1355
Leftover - $435

That will leave me more than enough to pay my prosper loan every month (the payment would be $41.60), In closing, I just want to thank everyone for taking the time to read this, and thank anyone who can find it in their heart to help me out with a loan. Raising my credit scores and getting rid of these old debts is of the utmost importance to me. I will make it my first priority every month to make sure my Prosper loan is paid. Then, this spring I hope to finally buy my first home and start lending to others here on Prosper!