$28000 Consolidation Loan – Sanibel Florida, Credit Score Of 433
- Experian: 448 – They had a bad Experian rating
- Transunion: 416 – Christopher had a bad credit rating with Transunion.
- Equifax: Christopher’s Experian score was 433, which is a bad credit rating with the Experian rating scheme.
Previous requests on Christopher’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$112330.00||7||5.3%||$1603.54||NCNB National Bank of Florida||April 3, 2012|
|$111680.00||10||7.4%||$1319.84||Southeast Bank of Madison County, National Association||June 19, 2012|
|$111770.00||7||5.7%||$1616.77||Southeast Bank of Wildwood||April 3, 2014|
|$112470.00||11||7.6%||$1259.8||Atlantic Bank of Jacksonville||September 30, 2014|
|$112210.00||5||10.5%||$2411.83||Century National Bank of Broward||January 13, 2015|
Christopher was declined by Century National Bank of Broward 6 times before being approved by Sanibel Captiva Community Bank at 2475 Library Way
On February 12, 2009, Christopher applied about borrowing $5,000 from Southeast Bank of Perry, National Association with Katerine, their in law from just outside Sanibel, and even with the co-signer, Christopher was rejected for this consolidation loan. With bad credit, it can be very hard to procure financing, even with collateral and a co-signer.
Before applying for this consolidation loan, Christopher had an Experian score of 448, which is bad, so Sanibel Captiva Community Bank probably cannot provide Christopher a consolidation loan
Christopher’s Transunion score was changed by the consolidation loan loan, changing to 416 from 433, which is normal in our experience.
Contact Details for Sanibel Captiva Community Bank, the provider of this consolidation loan
- Sanibel Captiva Community Bank
- City: Sanibel
- State: Florida
- Address: 2475 Library Way
- County: Lee
- Zip code: 33957
Debt Consolidation Can Assist Most Highly Indebted Borrower to Escape Bad Debts like Loan Sharks
Most debt consolidation loans range from $31,000.00 to $46,000.00. They are normally used to pay off existing high interest loans like credit cards. Christopher required a debt consolidation loan to pay for their existing consolidation loan and their credit card. Christopher was able to find a consolidation loan in the end. Debt consolidation, or simply consolidation, is a tactic in the strategic borrowing method which converts your less desirable, high interest loans to one reduced interest loan. Debt consolidation loans generally have interest rates as low as 4.0%.
Installment loan for Christopher, a graduate of St. Petersburg College and a legal assistant working for over $62,000 per year
Christopher, an alumnus at St. Petersburg College and a legal assistant in Sanibel, Florida wants a consolidation loan to purchase a car. Christopher has instead chosen to get an installment loan for $25,000 and is currently seeking lenders like Sun Bank of Osceola County to process their request.
Christopher’s Overall FICO score at the time of acceptance for a consolidation loan, taking into account their legal assistant job and their future job as a home economics teacher
Paraphrased and Standardized Quote from Christopher for this consolidation loan of $28000, provided by Sanibel Captiva Community Bank
Hi, I am Christopher and I am from Sanibel in Florida. Lee, county is where I grew up, and now I need a consolidation loan in Florida for $28000 to renovate my home. It has been difficult, but Sanibel Captiva Community Bank really came through for me with this loan for 10.1% interest APR and a term of 16 years. I can probably repay the loan over the 16 year term, including interest. A big thanks to Sanibel Captiva Community Bank for giving me a chance and my bad credit. It look me 7 years to create my credit to 433, and I won’t tarnish it any more. I’m happy with Find Texas Loans for assisting me this far.
Fast Loans for Christopher in Sanibel, Florida to prevent bankruptcy or bodily harm from debt collectors.
Fast loans in Sanibel, Florida aren’t actually that difficult to obtain, especially if you have some gumption like Christopher. Christopher was able to find a fast loan for $28000 from Florida Bank of Volusia County and The First National Bank of Alachua, but declined both offers in favor of their consolidation loan from Sanibel Captiva Community Bank. 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 6 weeks for installment loans. A big improvement if a borrower is on the go.
Personal Loan for a legal assistant named Christopher in Sanibel, Florida to Pay Off Atlanta Falcons NFL Extra Points Visa Signature Card
Christopher had a tonne of credit card debt on their M&T Bank Visa Business Bonus Rewards Card and their Lowe’s Project Card, and they were starting to get in over their heads. Despite Christopher’s job as a legal assistant, they struggled to make payments on the $29,000.00 credit card balance, badly needing assistance in the form of a personal loan.
Many past requests for credit have been made by Christopher in the past, including one from Jeff Davis Bank in Sanibel, Florida before Christopher was accepted for the $28000 by Sanibel Captiva Community Bank
Christopher made 6 previous tries to obtain a consolidation loan, 2 of which were with Jeff Davis Bank, a bank in Sanibel, Florida known to specialize in consolidation loans specifically. Prior to finding Sanibel Captiva Community Bank, Christopher was concerned due to their inexperience and bad credit score.
- Full name (Changed if requested): Christopher Stowell
- Current Credit: loans.hit.utils.Fico@76fb509a
- Current City: Sanibel
- State: Florida
- Zip code: 33966
- Yearly income: $39,000
- Current Job: legal assistant
- Current County: Lee
- Goal Yearly Income: $96,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $9000
Christopher has a very low current gross income, but has a large amount of prospects
Christopher has always wanted to be a home economics teacher, but would need attend St. Petersburg College again to achieve it. Christopher has other prospects as well, including industrial health engineer, geography professor, and retail buyer, which pay $56,000 through to $96,000 per year, on average. For this reason, we think that Christopher can afford this consolidation loan of $28000.
6 Months Ago, Christopher Attempted Finding a High Risk Loan for $24,000.00, but They Didn’t Find What They were Expecting
It is an ongoing struggle for borrowers to find high risk loans in a safe manner. a lot of high risk loans end up originating loan sharks or the like, which can be frightening to borrowers like Christopher. Christopher chose not to obtain a high risk loan this time. High Risk loans are generally given by lenders to terrible credit clients. Borrowers with credit scores as low as 496 can inquire for a high risk loan and may be be accepted.
Signature Loan easily acquired in Sanibel, Florida for $28000 with bad credit by Christopher
A lot of clients struggle with finding signature loans in Sanibel, Florida, and Christopher is no different. Christopher went to 5 lenders or more before settling on Sanibel Captiva Community Bank, who offered Christopher a signature loan for $28000. Typical signature loans simply require a client, like Christopher’s signature to obtain them, up to $21,000 in some cases. Christopher was able to get $28000 as a consolidation loan, which is very high for a consolidation loan. Since signature loans do not need a cosigner, these loans generally need better credit, as high as 768
When Christopher was 18, they attempted to obtain a student loan from 4 different banks, which harmed their credit score. Below is a chronology of Christopher’s prior attempts at finding a student loan:
- Attempt 1) Loan for $21,000.00 on August 16, 2012
- Attempt 2) Loan for $33,000.00 on May 12, 2009
- Attempt 3) Loan for $26,000.00 on November 17, 2010
- Attempt 4) Loan for $34,000.00 on November 18, 2013
Conclusion of Christopher’s consolidation loan
In the end, Christopher was able to find a consolidation loan for $28000 with an interest rate of 7.7% interest APR from Sanibel Captiva Community Bank in Sanibel, Florida repayable over 16 years from today.