I'm a single mother and have worked full time for a local government office for seven years.  I have two outstanding medical bills 200, 3 PayDay loans 900 (one late payment), property taxes 700, new brakes and tires are needed for my truck 900.
I recently contacted my mortgage comp & made arrangements to pay my missed paymt @ the end of my loan.  When checking my credit report found a mistake reported. My lender updated my file w/ someone else’s late paymt.  This has caused a major prob.  I have a letter from my lender faxed to my GL stating a reporting mistake on their end.  I am requesting a loan of $2,740.00 (includes 1% for Prosper @ closing). My GL has vetted my info.
Income: 
$1332.00 twice monthly
New Mo. Exps:
Mortgage $639.00
Truck $400
Groceries $250
Gasoline $100 Regular
Electric $125 Strictly my account
Water $80
Internet $40
Cell $70
Daycare $300
Prosper $125
Savings $25.00
Total: $2154.00
Credit History: I have 2correct DQ accounts on my credit report. A hospital emergency room copay & a late payment on a high interest PDL.
I had a vehicle stolen in 1998. My credit cards, DL, SSC, were in the vehicle. I obtained a police report & submitted it to the creditors disputing the unauthorized charges to my CCs, but since the charges were Point of Sale & IDs weren’t verified, the bills were left for me to repay. I didn’t feel I should've had to pay & not understanding credit then, I didn't pay. 2 years ago, I made paymt arrangements for them all & paid them off in a settlement.
How I Got in this Situation:  I misjudged my funds in my account and paid my son's daycare $600 not my current unexpected expenses.
What I will use the loan for: I will pay the two delinquent accounts on my credit report, property taxes, PDLs and repairs to my truck.
How this will fix my current budget: Cutting back on current expenses and paying off unnecessary debt, I’ll save $150 a month & have monies for Prosper.
I can and will repay this loan.&nbs