Eric's Credit Community

ABOUT ME:
I am looking for a loan in order to consolidate my wife's and I credit card debt. My wife has been employed as a rehabilitation technician for brain injury patients for 3 years. I've been employed as a security officer for 4 years. We make all of our payments on time.

WHAT I WILL DO WITH THE MONEY LOANED TO ME:
I will consolidate all of our high interest credit cards into one payment made to Prosper.

EXPLANATION OF BAD CREDIT:
I have 1 delinquency that is showing up current on my credit report. It is a phone bill that occurred when we moved from our apartment to our new home. It was paid in full this summer. The credit inquiries are from when we purchased our new home and car. The public record is: A chapter 7 bankruptcy that has been discharged.

HERE ARE MY MONTHLY FINANCIAL DETAILS:
Net monthly income: $1,350.00
Spouse's Income: $1,600.00 - $3,600 (Fluctuates depending on job assignment.)
Total Monthly Household Income: $2,950.00

1. Electricity - $74.86
2. Auto Insurance - $184.24
3. Auto - $257.00
4. Cell - $81.95
5. Cable - $17.66
6. Gas (Utility) - $30.91
7. Water (Utility) - $40.51
8. Home Phone - $81.41
9. Credit Card 1 - $20.00 (Debt Amount: $300.00) @ 19.90%
10. Credit Card 2 - $20.00 (Debt Amount: $300.00) @ 21.20%
11. Credit Card 3 - $20.00 (Debt Amount: $300.00) @ 22.19%
12. Credit Card 4 - $20.00 (Debt Amount: $1,250.00) @ 24.95%
13. Credit Card 5 ? $20.00 (Debt Amount: $500.00) @ 23.99%
14. Credit Card 6 - $20.00 (Debt Amount: $500.00) @ 15.31%
15. Mortgage- $1,104.04
16. Life Insurance- $50.00
17. Internet Service - $9.95
18. Online Movie Rental- $10.81
19. Food - $150.00
20. Gas/commute/maintenance - $160.00

Living Expenses Total: $2,253.34
Credit Card Debt: $3,150.00 (Total Credit Card Monthly Expenses: $120.00)
Total Expenses: $2,373.34
$2,950.00 - $2,373.34 = $576.66
I will have $576.66 left to make the payments on my Prosper loan.

Thank you very much for considering my loan and the opportunity to consolidate my credit card debt. I very much appreciate you considering becoming a lender to fund my loan. If the loan is funded, monthly payments will be made on time and the loan will be paid off within 3 years.

Again, Thank you for viewing my listing and being a lender.

grizzod