Eric's Credit Community

Hello my name is Heather; this is my second listing. My income has gone up a little since my last listing, not much but every little bit helps. I just recently started working; it doesn?t pay much but does cover the little bills that I do have. My fiance covers the bulk of our bills. I am responsible for the water bill and cable bill which totals $140 per month. As you can see on my credit rating I am rated at HR, the three DQ?s that I have are the following: #1 is a small credit card totaling $564.00. #2 is $370.00 for daycare services (I have paid more on this since my last listing), I am currently making monthly payments on this and #3 is $1,137.00 for an apartment that I rented and could no longer afford after losing my job. I would like to get a loan of $1726 to payoff the two higher accounts and continue to make payments on the smaller account. I am a young mother that had my first child at age 19 with no support from his father. I now have a loving fiance that has accepted my son as his own and tries his hardiest to support all of us, by me paying off my larger debts would not only better my credit score, but would remove financial stress off of both me and my fiance?. Below are both my fiances income, my income and our monthly debt.

My fiances income: $1864

My Income: $ 758.61(Including monthly child support)

Rent: $730

Electric/Gas: $108

Water: $40

Cable: $50

Car Note: $300

Gas: $100

Insurance: $112

Food/Clothing: $400

Diapers: $25

Debt payments $100

Fiances? prosper loan: $74.48

$2039

With a loan of $1726 @ 29% from Prosper lenders, I could payoff my two larger debts, continue to pay off my smaller debt and increase my credit rating. My monthly ach payment on my loan would be $72.33, leaving us with a left over monthly net operating income of $510.80 after the loan payment has been made. Thank you for your time, consideration and help of getting me on the right track to get of the HR status.