My name is Jeff [LAST NAME DELETED]. I am a 49-year-old-man with no dependants. I grew up in southern Ca. After high school  I then completed a 16 mo course in automotive and Diesel repair at an accredited trade school. 

    In 1998 I became disabled due to a back injury, which had been getting progressively worse for years. I later was diagnosed with Multiple Sclerosis as well. I have been on permanent Soc Sec disability since 2000. 

    At that time, in Oct 2000, I moved to Redding in northern Ca. where I have rented my current residence since 8/3/02.

    Why I need the loan

    The loan is for a repair to my truck and some delinquent medical bills. The truck is a 1992 Ford F150 and is my sole source of transportation. In Oct the rear differential failed and is in need of an overhaul. The vehicle is in otherwise excellent condition. Both the engine and trans have been rebuilt, so it is worth repairing. It also needs tires.

       Explanation of credit

    Since my private insurance lapsed in 1999 I spent a year uninsured and had very little income from state disability. I acquired a lot of debt in medical bills and did the best I could to make payments on them, but a lot of them went to collection. I paid all of them off in 2002. A total of 6.

    At that time I had Medicare only and had to pay for all prescriptions and co-pay's. From 2003 to 2005 I had several costly procedures and could not keep up with my share of cost. During that time I acquired 6 more dq's,2 were closed last month. All but one of my credit lines are due to medical bills. There are 4 dq's left on my report totaling 335.00.

   The last line of credit is a student loan in deferment until I am able to return to work. It is still in good standing.

    There are 4 inquires, Chase credit card, Citifinancial, personal loan, .American general,personal loan, all denied. An auto loan that was approved but the terms were rediculous.