Eric's Credit Community

I NEED YOUR HELP!!!!!

This is my second time posting on here. I pulled the first listing (even though I had bids) because I got a lot of great advice form different people on here. I hope this time things go a little better. I still have not decided if I want to be in a group or not, but if this loan does not get funded, then I will definitely look into it.

I have placed a copy of my credit report on the "Review My Listing" forum. There is also a copy of my monthly spending and my Public Record information. Look at the second posting for the monthly spending. The first one on the thread is for the $4500 loan. If you would like to take a look please copy and paste the below link into your address box.

http://forums.prosper.com/index.php?showto...=0&#entry150546

Then click on "Review My Listing". Then look for my post. It has a heart next to it and is titled "PLEASE DO NOT PASS ME UP BECAUSE I AM AN "E" SCORE". If you do not see it on the first page, take on look on the next few pages. 

Thanks.First of all, thank you for taking your time out to read my message!!! I will start by telling you a little bit about myself. I am an extremely hard working single mother of two beautiful children. I work full time, I go to school full time, and I take care of my children full time. As you can see I am extremely busy. I have been working with the same company for 5 years and I love it!!!! I have gradually moved my way up to a management position. My work is like my second family. Actually, it is more like my first family (not including my children), due to the fact that I don't have much family that I can rely on. I guess that is why I am on this web site asking to borrow strangers money vs. family. If I had family that could help out, I would have taken that route.

Anyway, I am currently in pursuit of my degree in business management and after that I will get my masters. I love going to school. I believe you can never learn enough!!! I guess the whole reason why I am here today is because of some poor decisions that I made when I was younger (I am definitely paying for them now).

I have many high interest credit cards that I would like to consolidate into one loan and make only one payment. I need $9,000.00 in order to pay off all of my credit card debt and consolodate it into one monthly payment I was originally only asking for half that (to just pay off part of my debt) with a much lower interst rate, but decided to try for the whole amount with a much higher interest rate instead. 

If you look at my credit report, you will see that I have not made any 30 day late payments in over 3 years. I promise not to start now!!! I also promise that I will always pay on time. Also if you look at my credit report, it is not that bad. The only reason why I am an "E" score is because of the Public Record on there (it is for $165.00). You will notice that my Equifax credit score is a 644 (the public record was not reported to them). I have overextended myself with high interest credit cards and am ready to change things.

I hope that you take me into consideration when deciding who to lend your money too. I promise you will not regret it. If you have any questions for me, feel free to ask. Thank you very much for your time.

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