Eric's Credit Community

(Note; this is my 2nd listing. Apparently after I contacted prosper I wasn't listing the right way! hopefully I got it right this time:)

Introduction:

My name is Hal and I want to change my financial future and take charge of my debt levels.I am single , 42 years old, with no children,enployed full-time.And a part-time student finishing my Graduate degree (I just need to complete my Master Theisis).

Loan Purpose:
 
I want to refinance my high interest rate credit cards into one loan and pay them off quickly. I also hope to increase my credit score so I can get better credit and possibly a larger debt consolidation loan from Prosper in the future. My ultimate goal is to become 'financially healthy' and then be a future Prosper lender myself--give back for what I was given.

Credit History:

I have always been very responsible with my finances, however, 5 years ago my credit slipped to E from a bankruptcy and personal illness. But things have vastly improved with my physical health, my doctor has given me a clean sheet! And, now I want to get my "financial health" improved. I am asking for a chance to prove myself and get my credit scores back up to where they used to be. If you bid on my listing I promise I will not let you down. Making my payments on time will be my top priority each month, I sincerely promise you that and I will have the money to do it.

Repayment Ability:

I am Employed at FULL time as a Loan Officer at a Mortgage Company for 6+ years now with the same firm (over 13 years total in the industry).

What I will do with the money loaned to me:

$1500 will be used to pay off the high rate/payment credit cards, another $400 to finally pay off my past medical bills. And that will leave me sufficient amount to pay back my Prosper loan. I figure I will save/free up around $170 each month.

Income:

Base: $3900-$4200 (varies/commission)
Coaching/tutoring (part time): $100-$300 per month
Total : $ 4200 (average)

Expenses:

Rent + Utilities/Water/Sewer: $ 1115
Car (13 payments left): $323
Car ins.: $ 78
Gas: $ 200
Credit cards: $400 - some will be replaced by the Prosper loan
Cell phone: $ 45
Food: $ 350
Telephone: $105
Cable: $45
Installment Loans (18 payments left): $658
Entertainment/fun: $200

Total: $ 3519
Total cash flow: $ 681

As you can see I can easily afford the loan and I feel I am good credit risk. This loan will improve my credit and financial situation. I have strong desire to improve my financial health and pay this loan on time each month.
Thank you for your time and consideration.