I am tired of paying high APR credit cards and getting nowhere. I am striving to improve my credit rating. I have two at 31% APR. I’m turning to Prosper for assistance!

I’ve worked my current position for 4 years and have gotten two raises, two bonuses and a promotion. I have delinquencies due to surgery 3/2002 and I was laid off the day I went back to work 5/2002. Starting as a temp, I found a new position, the one I currently have, within the month.

My delinquencies are:

• · Bay Area Image Consulting: As of 8/2001 Bal. Due $196.
• · Avant Inpatient Svc Med Group: original amount due of $1,460.
• · As of 5/2002 Bal. Due is $673.
• · Bay Area Image Consulting: As of 10/2002 Bal. Due $120.
• · I have a fourth delinquency of $27.

My monthly net income is $2,440.00.
My monthly expenses include:

• · Rent: $675.
• · Car note/insurance/gas: $638.
• · Food: $300.
• · Medicine: $60.
• · Utilities: $250 (electric, phone, cable, water).
• · Credit cards: $425(at least) I always try to pay more than the minimum. And as of 9.29.06 I have three zero balance credit cards.
  
  I’ve never missed a payment on my credit cards. Once I have a loan from Prosper, that will free up about $200 per month and that will help with other bills, especially my other credit cards.
  
  With $6000 from Prosper I’ll pay:
  · One Visa that is at bal due of $3120 - APR 31%
  · One Master Card bal due of $2400 - APR 31%
  · The remainder will be used to pay off my largest medical bill, $673.
  
  I’ll be paying back my Prosper loan at $250 - $300 per month. Which would be great.
  
  My job is great, and I love it! I’d like to supplement my income by selling my own original artwork. (Hopefully!) Shown here are sample pieces from my portfolio.
  
  Thanks so much for reading my listing.