Eric's Credit Community

I am 26 years old and have two beautiful children.  I have worked full time for the past 7 years and just recently got another part time job as a bartender.  I am also planning my wedding for this next summer, 7-7-07! 

I am applying for this loan to eliminate some debt that I have and most importantly to improve my credit score.  I have had some misfortune and financial hardship over the past few years, that has really put me behind the 8 ball.  My credit has suffered tremendously and I want to get it back on track.  I know that I can do it and I know that success is on the horizon. 

My monthly income is $2,100.00 after taxes.  My monthly obligations are as follows:
House:  $500.00
Utilities:  $310.00
Car (payment, ins. & gas): $450.00
Grocery: $300.00
Misc.:  $200.00

My fiance and I live together so all of these expences, except my car, are split with him.  That leaves me $655.00 a month to put into savings & pay my Prosper loan. 

I have really learned that credit is everything in your life from financing a car, to getting a job, to getting insurance.  I am ready to take this opportunity at Prosper and get my credit back on track.  My credit score says high risk but a lot of good investments are, and given the chance I can prove that it is a reflection of hard times, not purpose neglect of my responsibilities.  I am determined to get my credit back to good standings.  You will not be let down by giving me this loan, I will make every payment on time.   Thank you for your consideration.