$12000 Consolidation Loan – Jacksonville Florida, Credit Rating Of 502
- Experian: 521 – This individual had a fair Experian rating
- Transunion: 486 – Kelsi had a fair credit score with Transunion.
- Equifax: Kelsi’s Experian score was 502, which is a fair credit rating with the Experian rating scheme.
Multiple past requests for credit have been made by Kelsi in the past, including one from Cumberland Security Bank, Inc. in Jacksonville, Florida before Kelsi was accepted for the $12000 by The Jacksonville Bank
Kelsi made 8 previous attempts to obtain a consolidation loan, 2 of which were with Cumberland Security Bank, Inc., a lender in Jacksonville, Florida known to specialize in consolidation loans specifically. Prior to finding The Jacksonville Bank, Kelsi was very concerned due to their inexperience and fair credit rating.
9 Months in the Past, Kelsi Attempted to Find a High Risk Loan for $22,000.00, and it was Hard
There is an well known struggle for borrowers to get high risk loans in a non-harmful manner. Many high risk loans end up originating loan sharks or the like, which can be physically harmful to borrowers like Kelsi. Kelsi chose not to get a high risk loan this time. High Risk loans are given to terrible credit applicants. Borrowers with credit scores as low as 551 can apply for a high risk loan and possibly can be approved.
Debt Consolidation Can Assist Most Highly Indebted Borrower to Escape Bad Debts like Loan Sharks
Most debt consolidation loans vary from $31,000.00 to $59,000.00. They are mainly used to pay off existing high interest loans like credit cards. Kelsi needed a debt consolidation loan to pay for their existing consolidation loan and their credit card. Kelsi was able to find a consolidation loan in the end. Debt consolidation, or simply consolidation, is a technique in the debt snowball method which changes your dirty, high interest loans to one lower interest loan. Debt consolidation loans generally have interest rates as low as 2.6%.
Before applying for this consolidation loan, Kelsi had an Experian score of 521, which is fair, so The Jacksonville Bank probably cannot provide Kelsi a consolidation loan
Personal Loan for a forensics psychologist named Kelsi in Jacksonville, Florida to Pay Off CFCU Credit Union Visa
Kelsi had a lot of credit card debt on their AeroMexico Secured Visa Card and their American Signature Furniture Credit Card, and they were starting to get in over their heads. Despite Kelsi’s job as a forensics psychologist, they struggled to make payments on the $21,000.00 credit card balance, desperately needing assistance in the form of a personal loan.
Contact Details for The Jacksonville Bank, the provider of this consolidation loan
- The Jacksonville Bank
- City: Jacksonville
- State: Florida
- Address: 10325 San Jose Boulevard
- County: Duval
- Zip code: 32202
When Kelsi was 20, they attempted to obtain a student loan from 6 different lenders, which harmed their credit score. Below is a list of Kelsi’s previous attempts at finding a student loan:
- Attempt 1) Loan for $39,000.00 on December 8, 2008
- Attempt 2) Loan for $34,000.00 on November 5, 2010
- Attempt 3) Loan for $35,000.00 on July 2, 2012
- Attempt 4) Loan for $32,000.00 on April 15, 2010
- Attempt 5) Loan for $37,000.00 on March 19, 2012
- Attempt 6) Loan for $30,000.00 on December 28, 2009
Kelsi has a disappointing current gross income, but has several of prospects
Kelsi has always wanted to be a library consultant, but would need attend University of California – Davis again to become one. Kelsi has other possibilities as well, including budget accountant, packers and packagers, and hand and portable tool mechanic, which pay $58,000 through to $93,000 per year, on average. For this reason, we think that Kelsi can pay for this consolidation loan of $12000.
Paraphrased and Standardized Quote from Kelsi for this consolidation loan of $12000, provided by The Jacksonville Bank
Hello, I am Kelsi and I’m from Jacksonville in Florida. Duval, county is where I grew up, and now I need a consolidation loan in Florida for $12000 to avoid bankruptcy. It has been difficult, but The Jacksonville Bank really came through for me with this loan for 10.3% interest APR and a term of 20 years. I can repay the loan over the 20 year term, including interest. A big thanks to The Jacksonville Bank for giving me a chance and my fair credit. It look me 5 years to build my credit to 502, and I won’t tarnish it any future. I am pleased with Find Texas Loans for assisting me this far.
Installment loan for Kelsi, a graduate of University of California – Davis and a forensics psychologist working for over $69,000 per year
Kelsi, an alumnus at University of California – Davis and a forensics psychologist in Jacksonville, Florida wants a consolidation loan to purchase something frivolous. Kelsi has instead chosen to get an installment loan for $2,000 and is currently seeking lenders like Southeast Bank of Wildwood to process their request.
Kelsi was declined by Caribank 4 times before being granted funding by The Jacksonville Bank at 10325 San Jose Boulevard
On October 2, 2010, Kelsi inquired about borrowing $6,000 from Atlantic Bank of Jacksonville with Gricelda, their in law from just outside Jacksonville, and even with the co-signer, Kelsi was rejected for this consolidation loan. With fair credit, it can be challenging to obtain funding, even with collateral and a co-signer.
Kelsi’s Transunion score was changed by the consolidation loan loan, changing to 486 from 502, which is normal in our experience.
Signature Loan acquired in Jacksonville, Florida for $12000 with fair credit by Kelsi
Many borrowers have difficulty with obtaining signature loans in Jacksonville, Florida, and Kelsi is no different. Kelsi went to 6 lending institutions or more prior to finding The Jacksonville Bank, who offered Kelsi a signature loan for $12000. Most signature loans simply need a client, like Kelsi’s signature to obtain them, up to $47,000 in some cases. Kelsi was able to get $12000 as a consolidation loan, which is very high for a consolidation loan. Because signature loans do not require collateral, they generally require higher credit, as high as 712
Previous requests on Kelsi’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$47630.00||5||7.8%||$961.21||NCNB National Bank of Florida||January 13, 2009|
|$48330.00||7||8.3%||$760.53||Southeast Bank of Madison County, National Association||March 16, 2013|
|$48410.00||7||6.8%||$725.91||Southeast Bank of Wildwood||December 24, 2013|
|$48250.00||10||5.2%||$516.5||Atlantic Bank of Jacksonville||July 7, 2014|
|$48340.00||4||7.6%||$1171.07||Century National Bank of Broward||October 21, 2014|
Fast Loans for Kelsi in Jacksonville, Florida to prevent bankruptcy or broken legs from debt collectors.
Fast loans in Jacksonville, Florida aren’t actually that difficult to obtain, particularly if you have some gumption like Kelsi. Kelsi was able to find a fast loan for $12000 from Atlantic Bank of Jacksonville and Century National Bank of Broward, but declined both offers in favor of their consolidation loan from The Jacksonville Bank. The difference with a fast loan over a debt consolidation loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 6 weeks for debt consolidation loans. An improvement if you are on the go.
- Full name (Changed if requested): Kelsi Walbrecht
- Current Credit: loans.hit.utils.Fico@300ffa5d
- Current City: Jacksonville
- State: Florida
- Zip code: 32208
- Yearly income: $69,000
- Current Job: forensics psychologist
- Current County: Duval
- Goal Yearly Income: $130,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $5000
Kelsi’s Overall FICO score at the time of acceptance for a consolidation loan, taking into account their forensics psychologist job and their future job as a library consultant
Conclusion of Kelsi’s consolidation loan
In the end, Kelsi was able to find a consolidation loan for $12000 with an interest rate of 11.4% interest APR from The Jacksonville Bank in Jacksonville, Florida repayable over 20 years from today.