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Consolidation Loan For $129000 Near 75160, Texas With A Credit Score Of 839

$129000 Consolidation Loan – Terrell Texas, Credit Score Of 839

  • Experian: 858 – This client had an excellent Experian score
  • Transunion: 824 – Tommy had an excellent credit score with Transunion.
  • Equifax: Tommy’s Experian score was 839, which is an excellent credit rating with the Experian scale.

Fast Loans for Tommy in Terrell, Texas to prevent bankruptcy or bodily harm from debt collectors.

Fast loans in Terrell, Texas aren’t actually that difficult to obtain, particularly if you have some gumption like Tommy. Tommy was able to find a fast loan for $129000 from First State Bank of Mathis and Comerica Bank, but declined both offers in favor of their consolidation loan from The American National Bank of Texas. The difference with a fast loan over a debt consolidation loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 7 weeks for debt consolidation loans. An improvement in the case that a borrower is in a time sensitive situation.

Tommy has a disappointing current yearly income, but has a large amount of prospects

Tommy has always wanted to be a greenhouse and nursery manager, but would have to attend Strayer University again to become one. Tommy has other possibilities as well, including child support services worker, soil scientist, and production planner, which pay $55,000 through to $104,000 per year, on average. For this reason, we believe that Tommy can afford this consolidation loan of $129000.

Contact Details for The American National Bank of Texas, the provider of this consolidation loan

  • The American National Bank of Texas
  • City: Terrell
  • State: Texas
  • Address: 102 West Moore Ave
  • County: Kaufman
  • Zip code: 75160

Paraphrased and Standardized Quote from Tommy for this consolidation loan of $129000, provided by The American National Bank of Texas

Hi, I am Tommy and my hometown is Terrell in Texas. Kaufman, county is where I grew up, and now I need a consolidation loan in Texas for $129000 to avoid bankruptcy. It wasn’t easy, but The American National Bank of Texas really came through for me with this loan for 11.2% interest APR and a term of 18 years. I can probably repay the loan over the 18 year term, including interest. A big thanks to The American National Bank of Texas for giving me a chance and my excellent credit. It look me 9 years to build my credit to 839, and I won’t tarnish it any future. I’m pleased with Find Texas Loans for assisting me this far.

Before applying for this consolidation loan, Tommy had an Experian score of 858, which is excellent, so The American National Bank of Texas likely can provide Tommy a consolidation loan

Experian Score: 858

Installment loan for Tommy, a graduate of Strayer University and an industrial relations analyst working for over $78,000 per year

Tommy, an alumnus at Strayer University and an industrial relations analyst in Terrell, Texas needs a consolidation loan to purchase something frivolous. Tommy has instead chosen to obtain an installment loan for $15,000 and is at present seeking lenders like Farmers State Bank of Shiro, Texas to process their request.

Tommy was not approved by First State Bank of Mathis 6 times prior to being approved by The American National Bank of Texas at 102 West Moore Ave

On June 6, 2013, Tommy applied about borrowing $7,000 from Brownfield State Bank & Trust Co. with Meggan, their in law from just outside Terrell, and even with the co-signer, Tommy was rejected for this consolidation loan. With excellent credit, it can be difficult to procure funding, even with collateral and a co-signer.

Personal Loan for an industrial relations analyst named Tommy in Terrell, Texas to Pay Off Firstrust Maximum Rewards Platinum Edition Visa Card

Tommy had a tonne of credit card debt on their Plains Commerce Bank Visa Gold Card and their BBVA Compass Visa Platinum, and they were starting to get in over their heads. Despite Tommy’s job as an industrial relations analyst, they struggled to make payments on the $28,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Previous requests on Tommy’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$122400.00 5 10.6% $2636.92 Comerica Bank August 8, 2011
$121720.00 3 8.2% $3825.5 First Star Bank, S.S.B. September 2, 2013
$121730.00 7 5.3% $1737.73 Brownfield State Bank & Trust Co. May 12, 2014
$122120.00 3 8.4% $3849.37 First Bank & Trust, Bryan, Texas October 8, 2014
$122170.00 6 5.4% $1990.29 First Bank & Trust of Clarendon January 14, 2015

Tommy’s Overall FICO score at the time of acceptance for a consolidation loan, taking into account their industrial relations analyst job and their future career as a greenhouse and nursery manager

Fico Score: 839

Multiple previous requests for credit have been made by Tommy in the past, including one from The North Cincinnati Savings Bank, Inc. in Terrell, Texas before Tommy was accepted for the $129000 by The American National Bank of Texas

Tommy made 8 previous tries to obtain a consolidation loan, 2 of which were with The North Cincinnati Savings Bank, Inc., a bank in Terrell, Texas known to specialize in consolidation loans specifically. Before finding The American National Bank of Texas, Tommy was very concerned due to their inexperience and excellent credit score.

Tommy’s Transunion score was changed by the consolidation loan loan, changing to 824 from 839, which is normal in our experience.

Transunion Score: 824

Signature Loan easily acquired in Terrell, Texas for $129000 with excellent credit by Tommy

Many clients struggle with obtaining signature loans in Terrell, Texas, and Tommy is no exception. Tommy went to 7 lenders or more before settling on The American National Bank of Texas, who offered Tommy a signature loan for $129000. Typical signature loans simply need a client, like Tommy’s signature to obtain them, up to $22,000 in some cases. Tommy was able to get $129000 as a consolidation loan, which is very high for a consolidation loan. Since signature loans don’t require a cosigner, they tend to require improved credit, as high as 787

When Tommy was 21, they tried to obtain a student loan from 6 alternate banks, which harmed their credit rating. Below is a list of Tommy’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $26,000.00 on August 3, 2009
  • Attempt 2) Loan for $34,000.00 on June 22, 2011
  • Attempt 3) Loan for $39,000.00 on August 1, 2009
  • Attempt 4) Loan for $31,000.00 on July 21, 2012
  • Attempt 5) Loan for $26,000.00 on July 10, 2013
  • Attempt 6) Loan for $37,000.00 on June 28, 2012

Debt Consolidation Will Help Most Highly Indebted Borrower to Escape Bad Debts like Credit Card Debt

Average debt consolidation loans range from $20,000.00 to $48,000.00. They are normally used to pay off existing high interest loans like credit cards. Tommy required a debt consolidation loan to pay for their existing consolidation loan and their credit card. Tommy was able to find a consolidation loan in the end. Debt consolidation, or simply consolidation, is a tactic in the debt snowball method which changes your bad, high interest loans to one reduced interest loan. Debt consolidation loans usually have interest rates as low as 3.8%.

7 Months Ago, Tommy Tried to Find a High Risk Loan for $44,000.00, and it was Hard

It is an existing struggle for borrowers to get high risk loans in a non-harmful manner. Many high risk loans end up originating loan sharks or similar lenders, which can be physically harmful to borrowers like Tommy. Tommy decided not to obtain a high risk loan this time. High Risk loans are generally given by lenders to bad credit applicants. Borrowers with credit scores as low as 534 can apply for a high risk loan and have a chance to be approved.

Client Profile: Tommy Neuby of Terrell, Texas
  • Full name (Changed if requested): Tommy Neuby
  • Current Credit: loans.hit.utils.Fico@3d646c37
  • Current City: Terrell
  • State: Texas
  • Zip code: 75165
  • Yearly income: $46,000
  • Current Job: industrial relations analyst
  • Current County: Kaufman
  • Goal Yearly Income: $148,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $7000

Conclusion of Tommy’s consolidation loan

In the end, Tommy was able to find a consolidation loan for $129000 with an interest rate of 11.7% interest APR from The American National Bank of Texas in Terrell, Texas repayable over 18 years from now.

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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Names of borrowers and lenders have been modified, substituted, or fictionalized for search and privacy purposes. Information presented here is for entertainment purposes only and should not be interpreted as the truth.