Eric's Credit Community

Hello, my name is Benjamin [LAST NAME DELETED]. Please read my member profile for more information.
Over the summer there have been a number of Hobby Festivals in Japan dealing with Japanese Animation.  I saw this as an opportunity as each festival has rare items up for pre-order that can be resold in the store at a later date. I snatched the opportunity and found a deputy service that would acquire/pre-order and ship the items to us. My friend cleared a small portion of the store to sell import goods just as long as he gets a small percentage of the profit. The only problem is, because I pre-ordered in BULK, the items must be shipped via Sea. I am always charged first for shipped items.  As of today, I still have not received ALL the items from Japan, SOME are still in transit. I have already begun to resell the items that I have received.  In the last few days, I was able to sell off a number of items, and I was able to pay off my Capital One Credit Card Account IN FULL, and pay off my Pay Pal Buyer Credit Account IN FULL.

I am requesting this Prosper loan for reasons. 1) My WaMu MasterCard account had an over limit status and an overcharge in the month of September; because of the over limit and overcharge, I am no longer in the introductory rate of new accounts and my APR was increased. This Prosper loan will help me get out of high interest debt.  2) The deputy service finally acquired the last batch of merchandise from manufacturers in Japan and is planning to ship it to me very soon, so I will need funds to pay them.  If I do not pay them they will charge me a late fee and for the number of days that I do not make my payment on time, they will apply storage fees in addition to my total invoice.  This Prosper loan eliminates my debt to the deputy service.

I know I am asking for a lot, but I have an extremely stable income and I have a very low cost of living each month. The reason why my credit score is HR is because I do not have a very old credit history. As you can see, I started my first credit card in Sept 2005. I've only made a couple of payments that were minimum. Every other payment in the past has been made in FULL.

Personal Income (Monthly):
University Housing Services = $900 (After TAX)
Anime Club = $100~$1000 - Because this is not stable income I will not include it into my Monthly Net Income.
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Monthly net income = $900

Rent = I do not pay rent; I live in a condo with my Brother that is completely paid-off.
Tithe = $100 (10% of my stable income goes to the Church)
Utilities = $25 (Shared with my Brother)
Home Phone/DSL = $34
Cellular Phone = $55 (I pay for myself, and my brother)
Gas = All is paid for by my Brother.
Food = $150 (Shared with my Brother)
ALL other expenses are covered by my family.
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Total Fixed Expenses: $364

I would include credit card payment as a fixed expense, but if this loan is funded I will not have any credit card payments to make.

Remaining Expenses = $536
All of this will go to Prosper each month.
I guarantee that I will make my payments on time every month for the entire duration of my loan.
If you have any questions you would like to ask me, please post in the thread here:
http://forums.prosper.com/index.php?showtopic=12818
More details about me and my Listing are in the thread.

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