Eric's Credit Community

About me:  I am a mom of a 4yr old son. I have been separated from his father for 2 years. I am a claims examiner and have been in the health insurance industry for 15 years. I have been with my employer for 3 years and enjoy my job.  

EXPLANATION OF MY HR RATING:   When I met my husband I was a very trusting individual and thought nothing of letting him have my personal information and handling the finances. I had no idea that he was not paying bills. Due to my negligence and his behavior, this is the result. If you will notice, however, I did start taking care of things such as my rental history and paying off my auto loans. 
 
WHAT I WILL DO WITH THE MONEY LOANED TO ME: My immediate goal is to pay off my payday loan when Ihad to get  my heater and window motor in my car fixed. I paid the car loan off earlier this year and, such as life, things started breaking down. I also desire to start paying off the smaller debts that appear on my report to increase my credit score with the goal of getting a house for myself and my son.  

MY FINANCES:
 NET INCOME-$1900
 RENT- $615
 WATER - $50 PHONE- $40
GAS-    $75
 CAR INSURANCE-$60
DAYCARE-$460
FOOD-  $125  

TOTAL MONTHLY EXPENSES - $1425  

That will leave me with $475 to make the payments on my Prosper loan. FYI--- I do receive sporadic child support but did not feel comfortable listing in my net income. 

  I thank all  who take the time to consider all I have stated and as a end note would like to say that with this opportunity I will be able to improve mine and my sons future which will allow me to one day soon be able to turn around and help others to ?prosper?.

Thanks again in advance,   Lisa