$28000 Consolidation Loan – New York New York, Credit Rating Of 839
- Experian: 849 – This individual had an excellent Experian score
- Transunion: 822 – Melodee had an excellent credit rating with Transunion.
- Equifax: Melodee’s Experian score was 839, which is an excellent credit score using the Experian system.
9 Months Ago, Melodee Attempted Finding a High Risk Loan for $33,000.00, and it was Hard
It is an existing struggle for clients to get high risk loans in a safe way. a lot of high risk loans end up coming from loan sharks or the like, which can be frightening to borrowers like Melodee. Melodee chose not to get a high risk loan this time. High Risk loans are generally given by lenders to bad credit clients. Individuals with credit ratings as low as 562 can apply for a high risk loan and possibly can be approved.
Before applying for this consolidation loan, Melodee had an Experian score of 849, which is excellent, so Saddle River Valley Bank most likely cannot provide Melodee a consolidation loan
- Full name (Changed if requested): Melodee Hardsock
- Current Credit: loans.hit.utils.Fico@12edcd21
- Current City: New York
- State: New York
- Zip code: 10024
- Yearly income: $68,000
- Current Job: retail buyer
- Current County: New York
- Goal Yearly Income: $85,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $0
Melodee’s Transunion score was altered by the consolidation loan loan, changing to 822 from 839, which is normal in our experience.
Installment loan for Melodee, a graduate of Four Rivers Career Center and a retail buyer working for over $74,000 per year
Melodee, an alumnus at Four Rivers Career Center and a retail buyer in New York, New York wants a consolidation loan to purchase a house. Melodee has instead chosen to obtain an installment loan for $17,000 and is currently seeking lenders like Fleet Bank of New York, National Association to process their request.
Personal Loan for a retail buyer named Melodee in New York, New York to Pay Off Great Southern Bank Visa Business Card
Melodee had a tonne of credit card debt on their Sunoco Rewards Plus Card and their Popular Community Bank Platinum MasterCard, and they were starting to get in over their heads. Despite Melodee’s job as a retail buyer, they struggled to make payments on the $27,000.00 credit card balance, desperately needing assistance in the form of a personal loan.
Contact Details for Saddle River Valley Bank, the provider of this consolidation loan
- Saddle River Valley Bank
- City: New York
- State: New York
- Address: 717 Fifth Avenue, 26th Floor
- County: New York
- Zip code: 10022
Debt Consolidation Will Assist Most Highly Indebted Borrower to Escape Bad Debts like Payday Loans
Average debt consolidation loans vary from $31,000.00 to $41,000.00. They are mainly used to pay off existing high interest loans like credit cards. Melodee needed a debt consolidation loan to pay for their existing consolidation loan and their loan shark loan. Melodee was able to find a consolidation loan in the end. Debt consolidation, or simply consolidation, is a tactic in the debt snowball method which transfers your less desirable, catastrophically high interest loans to one reduced interest loan. Debt consolidation loans usually have interest rates that are low, like 2.4%.
Previous requests on Melodee’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$84510.00||6||10.7%||$1595.61||Bankers Trust Company of Albany, National Association||November 30, 2011|
|$85390.00||11||9.1%||$1026.05||Montgomery County Trust Company||September 18, 2013|
|$84860.00||6||10.3%||$1584.97||Bank of Avoca||November 11, 2014|
|$85100.00||10||6.5%||$966.29||The State Bank of Belmont||June 21, 2015|
Signature Loan found in New York, New York for $28000 with excellent credit by Melodee
Most clients struggle with finding signature loans in New York, New York, and Melodee is the same. Melodee went to 6 lenders or more prior to finding Saddle River Valley Bank, who offered Melodee a signature loan for $28000. Typical signature loans simply require a client, like Melodee’s signature to obtain them, up to $23,000 in some cases. Melodee was able to get $28000 as a consolidation loan, which is very high for a consolidation loan. Because signature loans don’t require a cosigner, they generally need better credit, as high as 730
When Melodee was 23, they tried to obtain a student loan from 4 alternate banks, which damaged their credit rating. Below is a list of Melodee’s prior attempts at finding a student loan:
- Attempt 1) Loan for $29,000.00 on February 26, 2009
- Attempt 2) Loan for $26,000.00 on December 21, 2009
- Attempt 3) Loan for $32,000.00 on January 17, 2009
- Attempt 4) Loan for $34,000.00 on January 24, 2012
Fast Loans for Melodee in New York, New York to prevent bankruptcy or harm from debt collectors.
Fast loans in New York, New York aren’t actually that difficult to obtain, especially if you have some gumption like Melodee. Melodee was able to find a fast loan for $28000 from United States Trust Company of New York and Lewis County Trust Company, but declined both offers in favor of their consolidation loan from Saddle River Valley Bank. The difference with a fast loan over a debt consolidation loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 6 weeks for personal loans. A big improvement in the case that you are on the go.
Several past requests for credit have been made by Melodee in the past, including one from Commerce Bank of University City in New York, New York before Melodee was accepted for the $28000 by Saddle River Valley Bank
Melodee made 5 prior attempts to obtain a consolidation loan, 2 of which were with Commerce Bank of University City, a bank in New York, New York known to specialize in consolidation loans specifically. Prior to finding Saddle River Valley Bank, Melodee was desperate due to their inexperience and excellent credit score.
Melodee has a sad current total income, but has a large amount of prospects
Melodee has always wanted to be an employment interviewer, but would need attend Four Rivers Career Center again to become one. Melodee has other possibilities as well, including student affairs administrator, private nurse, and athletic trainer, which pay $53,000 through to $108,000 per year, at least. Because of this, we think that Melodee can afford this consolidation loan of $28000.
Paraphrased and Standardized Quote from Melodee for this consolidation loan of $28000, provided by Saddle River Valley Bank
Hi, I am Melodee and I am from New York in New York. New York, county is where I grew up, and now I need a consolidation loan in New York for $28000 to avoid bankruptcy. It wasn’t easy, but Saddle River Valley Bank really came through for me with this loan for 11.5% interest APR and a term of 14 years. I can probably repay the loan over the 14 year term, including interest. A big thanks to Saddle River Valley Bank for trusting me and my excellent credit. It look me 6 years to build my credit to 839, and I won’t harm it any future. I’m pleased with Find Texas Loans for assisting me this far.
Melodee was rejected by Bank of Millbrook 4 times before being approved by Saddle River Valley Bank at 717 Fifth Avenue, 26th Floor
On March 28, 2009, Melodee inquired about borrowing $30,000 from Trade Bank and Trust Company with Anabel, their friend from just outside New York, and even with the co-signer, Melodee was rejected for this consolidation loan. With excellent credit, it can be challenging to obtain funding, even with collateral and a co-signer.
Melodee’s Overall FICO score at the time of acceptance for a consolidation loan, taking into account their retail buyer job and their future career as an employment interviewer
Conclusion of Melodee’s consolidation loan
In the end, Melodee was able to find a consolidation loan for $28000 with an interest rate of 8.0% interest APR from Saddle River Valley Bank in New York, New York repayable over 14 years from now.