Eric's Credit Community

I am a 30-year-old student with (hopefully) one year of schooling left to get my teaching certification. I have no children but I do help take care of my mother who is disabled. I have been working for the past three years with the Houston Independent School District.  I am the first person to graduate from college in my family majoring in education. I have lived in Texas all my life and I have no children yet. I grew up in a housing development (projects) surrounded by gangs and violence. I now work at a camp in Trinity, Texas teaching science, math, and graphs to fifth graders by taking them hiking, horseback riding, fishing, canoeing an example of few of the things we do at the camp I work at.  I also work in the summer at a camp in New York teaching special (handicapped) teens and adults and I love doing it very much.

Explanation of bad credit

I have been in school a long time and I had to take a couple of years off to help take care of my mom. I was getting by but after hurricane Katrina, I had to use my credit card to help us survive for a few months. I want to pay off my credit cards so that I will stop getting the harassing phone calls, which stresses me, and affect my grades. When I get through with school all I want have to worry about paying is my off my college loans. I also want to start building up my credit score if you bid on my listing I promise that I will not let you down. Making my payments on time will be my top priority each month, I sincerely promise you that and as you can see from my financial details, I will have the money to do it. I am determined to help my group not obstruct them and I eventually want to be able to loan money out to help people. I pay all my bills first so I know that I will not let my group down.

What will I do with the money?

$800 is to pay off credit cards, 500 to pay for dental surgery and $400 is to pay off payday loans this will get them allow me to have more money to pay off my prosper loans.

HERE ARE MY MONTHLY FINANCIAL DETAILS:

Net income after payroll deductions from all sources: $ 1,200.00 monthly

Mortgage/Rent: $ 0.00
Phone: $ 50.00
Car Loan and Operating Expenses: $ 450.00
Food: $ 50.00
Insurance: $ 100.00
Cable/Internet: $ 50.00
Credit cards and loans that won't be paid off with my Prosper loan: $ 250.00
Other: $ 50.00
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Total Monthly Expenses: $1000.00

I will have $200.00 to pay back a prosper loan

I am ready able and willing to hold up my part of the bargain so please give me a chance to show that I am a trustworthy and responsible person. I know that I have 44 delinquencies on my credit report but I am serious about getting my credit together.  Please give me a chance to show you that you can trust me.