ZERO DELINQUENCY'S Needs To Improve Credit Score

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Listing Information
Amount: $4,000.00 Status: Loan created
Grade: HR DTI: 17%
Lender Rate: 19% Borrower: BusinessTrust
Time Left: Finished State: CA
Funded: 100% Group: BORROWERS - Free instant Listings - LARGEST GROUP
Loan Information
Loan Status: 1 month late Origination Date: 2006-12-06 EricsCC ROI: -16%
Status History
Dec 07, 2006 Current
Nov 09, 2008 1 month late
    During my four college years I have built up a pretty decent Credit Card Debt which has made my credit score go down quite a bit.  I have had no delinquency's but I am stuck with a high interest rate. I am looking to fully pay off my credit cards and help restore my credit by making payments to Prosper.
   I am an office supervisor for an electrical company called City Wide electric which takes care of all of California.  My company has over 50 technicians all over California and are spreading to other states soon.  My company is growing quickly and I just recently got a raise to $1,000 every two weeks.  They gave me the raise because they wish for me to stay with their company full time and maybe make a career out of it. 
     I moved back in with my parents to save money. Right now I don't have any serious expences besides my credit card bills which hopefully will be taken care of by the prosper community.   Below is a detailed breakdown of my expenses and credit cards.  Thank you for your help!! :)

Monthly Gross Pay:  Around $2,000

Mortgage/Rent: $ 0 (Live with Parents)

Phone:$ 80(Cell)

Gas:  $ 0 (Parents take care of this)

Electricity & Water: $ 0 (Parents)

Car Loan and Operating Expenses: $ 80

GasolineFood: $ 200

Insurance: $ 0 (Parents)

Cable/Internet: $ 0 (Parents)

Clothing, expenses for children, etc.$ 200

Credit cards and loans that won't be paid off with my Prosper loan: $ 0                    
                            Total owed-
                                      Providian -                       $500
                                      American Express -      $2,000
                                      Circuit City Credit -          $500
                                      Wells Fargo Credit -      $1,000

 Total Monthly Expenses : $ 560 ( Not including Credit Cards Prosper Loan will take care of) 

I will have $1,440  left to make the payments on my Prosper loan.  
Borrower's Other Listings
64711 Paying off Credit Card Dept HR $4,000 @ 17% Nov 21, 2006 Withdrawn
65511 Need Loan To Pay off High Interest Rate Credit Card HR $2,550 @ 16% Nov 22, 2006 Withdrawn
224092 2nd Listing Pay off Motorcycle HR $7,000 @ 18% Oct 31, 2007 Withdrawn
225227 ZERO DELIQUENCIES HR $7,000 @ 25% Nov 02, 2007 Expired
231451 ZERO DELINQUENCIES HR $4,999 @ 30% Nov 13, 2007 Withdrawn
236442 ZERO DELINQUENCIES HR $3,490 @ 31% Nov 23, 2007 Loan created

 

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