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Consolidation Loan For $30000 Near 70130, Louisiana With A Credit Score Of 453

$30000 Consolidation Loan – New Orleans Louisiana, Credit Rating Of 453

  • Experian: 471 – This individual had a bad Experian rating
  • Transunion: 440 – Francene had a bad credit score with Transunion.
  • Equifax: Francene’s Experian score was 453, which is a bad credit rating with the Experian rating scheme.

Francene’s Transunion score was changed by the consolidation loan loan, changing to 440 from 453, which is typical in our experience.

Transunion Score: 440

Fast Loans for Francene in New Orleans, Louisiana to prevent bankruptcy or bodily harm from debt collectors.

Fast loans in New Orleans, Louisiana aren’t actually that difficult to obtain, particularly if you have some gumption like Francene. Francene was able to find a fast loan for $30000 from Bank of Gonzales and Bank of Grand Cane, but declined both offers in favor of their consolidation loan from Homeseekers Savings and Loan Association. The difference with a fast loan over a personal loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 7 weeks for personal loans. A big improvement if a borrower is in a time sensitive situation.

Paraphrased and Standardized Quote from Francene for this consolidation loan of $30000, provided by Homeseekers Savings and Loan Association

Hi, I am Francene and my hometown is New Orleans in Louisiana. Orleans, county is where I grew up, and now I need a consolidation loan in Louisiana for $30000 to pay bills. It wasn’t easy, but Homeseekers Savings and Loan Association really came through for me with this loan for 6.5% interest APR and a term of 8 years. I can probably repay the loan over the 8 year term, including interest. A big thanks to Homeseekers Savings and Loan Association for trusting me and my bad credit. It look me 7 years to create my credit to 453, and I won’t tarnish it any more. I’m pleased with Find Texas Loans for assisting me this far.

Debt Consolidation Will Assist Most Highly Indebted Borrower to Escape Bad Debts like Loan Sharks

Normal debt consolidation loans range from $20,000.00 to $58,000.00. They are typically used to pay off existing high interest loans like credit cards. Francene required a debt consolidation loan to pay for their existing consolidation loan and their credit card. Francene was able to find a consolidation loan in the end. Debt consolidation, or simply consolidation, is a tactic in the debt snowball method which converts your bad, catastrophically high interest loans to one lower interest loan. Debt consolidation loans generally have interest rates that are low, like 4.7%.

Francene has a sad current yearly income, but has a large amount of prospects

Francene has always wanted to be a military analyst, but would have to attend Salter College again to become one. Francene has other prospects as well, including social worker, fishery worker supervisor, and child support investigator, which pay $50,000 through to $99,000 per year, at least. For this reason, we believe that Francene can afford this consolidation loan of $30000.

Installment loan for Francene, a graduate of Salter College and a copy writer working for over $75,000 per year

Francene, an alumnus at Salter College and a copy writer in New Orleans, Louisiana wants a consolidation loan to purchase a new cell phone. Francene has instead chosen to get an installment loan for $6,000 and is currently seeking lenders like Bank of Gonzales to provide it.

When Francene was 21, they tried to obtain a student loan from 5 different lenders, which damaged their credit score. Below is a list of Francene’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $20,000.00 on April 16, 2012
  • Attempt 2) Loan for $30,000.00 on January 22, 2012
  • Attempt 3) Loan for $29,000.00 on April 10, 2012
  • Attempt 4) Loan for $35,000.00 on July 24, 2009
  • Attempt 5) Loan for $36,000.00 on April 18, 2013
Client Profile: Francene Hallet of New Orleans, Louisiana
  • Full name (Changed if requested): Francene Hallet
  • Current Credit: loans.hit.utils.Fico@65b3120a
  • Current City: New Orleans
  • State: Louisiana
  • Zip code: 70139
  • Yearly income: $34,000
  • Current Job: copy writer
  • Current County: Orleans
  • Goal Yearly Income: $133,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $0

Before applying for this consolidation loan, Francene had an Experian score of 471, which is bad, so Homeseekers Savings and Loan Association most likely cannot provide Francene a consolidation loan

Experian Score: 471

Contact Details for Homeseekers Savings and Loan Association, the provider of this consolidation loan

  • Homeseekers Savings and Loan Association
  • City: New Orleans
  • State: Louisiana
  • Address: 129 Carondelet St
  • County: Orleans
  • Zip code: 70130

Personal Loan for a copy writer named Francene in New Orleans, Louisiana to Pay Off Stupid Cancer Visa Platinum Rewards Card

Francene had a lot of credit card debt on their Jeff Bank Visa Business Bonus Rewards Card and their Cache Visa Card, and they were starting to get in over their heads. Despite Francene’s job as a copy writer, they struggled to make payments on the $21,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Francene was not approved by Bank of Pleasant Hill 5 times before being granted funding by Homeseekers Savings and Loan Association at 129 Carondelet St

On December 24, 2008, Francene inquired about borrowing $15,000 from St. Bernard Bank & Trust Co. with Wendie, their friend from just outside New Orleans, and even with the co-signer, Francene was rejected for this consolidation loan. With bad credit, it can be very hard to obtain funding, even with collateral and a co-signer.

Previous requests on Francene’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$58370.00 9 9.8% $815.46 Bank of Zachary July 19, 2009
$58350.00 10 11.6% $823.72 Landmark Bank March 16, 2011
$57820.00 11 8.4% $672.56 Bank of Gonzales November 22, 2012
$57670.00 3 10.2% $1866.27 The Highlands Bank January 29, 2014

Francene’s Overall FICO score at the time of acceptance for a consolidation loan, taking into account their copy writer job and their future job as a military analyst

Fico Score: 453

Multiple previous requests for credit have been made by Francene in the past, including one from Guaranty Federal Savings and Loan Association in New Orleans, Louisiana before Francene was accepted for the $30000 by Homeseekers Savings and Loan Association

Francene made 6 previous tries to obtain a consolidation loan, 2 of which were with Guaranty Federal Savings and Loan Association, a lender in New Orleans, Louisiana known to specialize in consolidation loans specifically. Before finding Homeseekers Savings and Loan Association, Francene was very concerned due to their inexperience and bad credit score.

6 Months in the Past, Francene Tried Finding a High Risk Loan for $45,000.00, and it was Hard

It is an existing struggle for borrowers to find high risk loans in a non-harmful way. a lot of high risk loans end up originating loan sharks or the like, which can be scary to borrowers like Francene. Francene decided not to obtain a high risk loan this time. High Risk loans are given to terrible credit applicants. Individuals with credit scores as low as 474 can inquire for a high risk loan and possibly can be accepted.

Signature Loan easily acquired in New Orleans, Louisiana for $30000 with bad credit by Francene

Many borrowers have difficulty with finding signature loans in New Orleans, Louisiana, and Francene is no different. Francene went to 5 lenders or more before settling on Homeseekers Savings and Loan Association, who offered Francene a signature loan for $30000. Most signature loans simply require a client, like Francene’s signature to get them, up to $44,000 in some cases. Francene was able to get $30000 as a consolidation loan, which is very high for a consolidation loan. Because signature loans don’t require a cosigner, these loans generally need higher credit, as high as 742

Conclusion of Francene’s consolidation loan

In the end, Francene was able to find a consolidation loan for $30000 with an interest rate of 6.1% interest APR from Homeseekers Savings and Loan Association in New Orleans, Louisiana repayable over 8 years from today.

Will Alexander

Will Alexander has over 10 years of experience as a financial expert and writer. The goal of his work is to assist the people of Texas in finding loans for lower interest rates than they thought were possible. Will specializes in bad credit loans.

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