Eric's Credit Community

ABOUT ME:   Hi I'm Alice and I?m looking to make a new start and  pay off my debts and help restore my credit by making payments to Prosper.

EXPLANATION OF BAD CREDIT:  Tried to make a go of a new job in Hawaii and got laid off after a few months and finding a new job on the Islands is not easy. So I?ve come back home to start over and I?ve been falling too far behind and need a jump start.

LIST OF DEBTS:
Palisades Collection LLC       $917
American Agencies               $411
Credit Protection Assoc         $139
Master Card                          $2500

Total Debts         $4067
My DQ's can be explained simply. I have moved back home to help my Son while she was in school and got my old job back at Home Depot. We then lost a roommate suddenly. Yes, Bad timing. I was paying a majority of the rent this past summer and been trying to get back on track.  

WHAT I WILL DO WITH THE MONEY LOANED TO ME:
1) First priority is paying the above debt ASAP.
2) Open a secured Credit line $500 to start a positive report and reestablish credit. 

HERE AREMY MONTHLY FINANCIAL DETAILS:
Income:                $1900.00 (NET) After\Taxes
Rent:                     $700.00
Utilities:                 $45 
Insurance:            $35
Food:                    $160
Cable/Internet:      $20 (Shared)
Total monthly expenses: $985 
I will have $915 left to make the Prosper loan. And still have enough in case of emergencies/savings.

CLOSING REMARKS TO LENDERS:  I would like to request $6000 and starting out at the Max rate of 29% I understand the DQ's are a concern and I would like to encourage your questions and advice. I'm positive about making a real change in my life. Thanks very much for Looking and considering my loan request.

Alice