Hello, I am a twenty four year old single mother with two kids. I do quality assurance work for a filtration company and work full time making about 32,000 a year. I love to play in my backyard with my kids and do yard work.

I am HR listing as you may have already noticed. In the year 2002 I made the decision to stay at home and start a family with my boyfriend. He worked on the road and made plenty of money for the two of us. However, I had no say in what bills got paid and what bills did not. Now years later I finally had enough and started working again. When I went to pull my credit report there were all kinds of accounts he had opened in my name and never paid. Now, It is my responsibility to rectify my credit.

Two months ago I made the mistake of taking out a payday loan that I thought would help me buy the kids some winter clothes (which it did) but when it came time to pay the loan back, I needed another one. Now I’m caught in this crazy interest rate loan cycle and need your assistance getting out of this trouble.

I realize as an HR listing in a low rate capped sate my listing isn’t very attractive. I am willing to show you my pay stubs or anything you need to verify I am everything I say I am.

I plan on taking my funded listing and paying off my outstanding payday loans. Then with my budget loosened a little, I plan on paying back my Prosper loan with in a year. This will help me show positive payment history and hopefully boost my FICO. Then I will hopefully be able to lend to someone who is just like me. Thank you for your time and consideration.

Monthly I bring home $1700
I have rent $550
Utilities$160
Phone and cable$60
Groceries $220
Car insurance $37.00
Credit card $50 (if I make the minimum payment)
Diapers $40
Gas for my car $100-120 (depending on gas prices)
Regular expenses $200

This leaves $263 to pay off my Prosper loan and start a savings.

I have four outstanding payday loans totaling 1200 dollars. I can make payments on them as I see fit but basically I am just rolling the accounts over and over. I have plenty of money left over at the end of the month to make my prosper payment on time and every time. I really want to pay it off quickly so I can show a positive history. Thank you in for reviewing my listing.

This is my second attempt to fund to help relieve my paydayloan nightmare!!! Thanks for all your support!!!