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Low Rate Debt Consolidation Loan For Charles In Wayne, West Virginia

$12000 Debt Consolidation Loan – Wayne West Virginia, Credit Rating Of 681

  • Experian: 692 – This individual had a good Experian rating
  • Transunion: 662 – Charles had a good credit score with Transunion.
  • Equifax: Charles’s Experian score was 681, which is a good credit rating on the Experian scale.

Charles has a very low current yearly income, but has a large amount of prospects

Charles has always wanted to be an education and training administrator, but would have to attend Mid-Del Technology Center again to achieve it. Charles has other possibilities as well, including set designer, purchasing agent, and cosmetologist, which pay $56,000 through to $92,000 per year, on average. For this reason, we think that Charles can afford this debt consolidation loan of $12000.

When Charles was 22, they attempted to obtain a student loan from 6 alternate banks, which damaged their credit rating. Below is a chronology of Charles’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $38,000.00 on November 12, 2010
  • Attempt 2) Loan for $20,000.00 on November 4, 2009
  • Attempt 3) Loan for $20,000.00 on December 6, 2009
  • Attempt 4) Loan for $28,000.00 on October 21, 2010
  • Attempt 5) Loan for $34,000.00 on April 11, 2013
  • Attempt 6) Loan for $35,000.00 on May 16, 2011

Signature Loan easily acquired in Wayne, West Virginia for $12000 with good credit by Charles

Many clients struggle with finding signature loans in Wayne, West Virginia, and Charles is the same. Charles went to 7 lenders or more prior to settling on Bank One, West Virginia, Wayne County, Inc., who offered Charles a signature loan for $12000. Typical signature loans simply require a client, like Charles’s signature to get them, up to $48,000 in some cases. Charles was able to get $12000 as a debt consolidation loan, which is very high for a debt consolidation loan. Since signature loans do not need collateral, they tend to require better credit, as high as 796

Installment loan for Charles, a graduate of Mid-Del Technology Center and a speech writer working for over $67,000 per year

Charles, an alumnus at Mid-Del Technology Center and a speech writer in Wayne, West Virginia wants a debt consolidation loan to purchase a new cell phone. Charles has instead decided to obtain an installment loan for $3,000 and is at present seeking lenders like Kanawha Banking & Trust Company National Association to provide it.

Several past requests for credit have been made by Charles in the past, including one from Edward Everett Federal Savings Bank in Wayne, West Virginia before Charles was accepted for the $12000 by Bank One, West Virginia, Wayne County, Inc.

Charles made 6 prior attempts to obtain a debt consolidation loan, 2 of which were with Edward Everett Federal Savings Bank, a bank in Wayne, West Virginia known to specialize in debt consolidation loans specifically. Before finding Bank One, West Virginia, Wayne County, Inc., Charles was desperate due to their inexperience and good credit rating.

Paraphrased and Standardized Quote from Charles for this debt consolidation loan of $12000, provided by Bank One, West Virginia, Wayne County, Inc.

Hello, I am Charles and I am from Wayne in West Virginia. Wayne, county is where I grew up, and now I need a debt consolidation loan in West Virginia for $12000 to renovate my home. It has been difficult, but Bank One, West Virginia, Wayne County, Inc. really came through for me with this loan for 5.3% interest APR and a term of 5 years. I will repay the loan over the 5 year term, including interest. A big thanks to Bank One, West Virginia, Wayne County, Inc. for giving me a chance and my good credit. It look me 5 years to create my credit to 681, and I won’t harm it any future. I am happy with Find Texas Loans for helping me this far.

Charles was not approved by Wesbanco Bank Sistersville 5 times before being granted funding by Bank One, West Virginia, Wayne County, Inc. at 608 Hendricks Street

On July 19, 2009, Charles applied about borrowing $9,000 from Davis Trust Company with Teddy, their in law from just outside Wayne, and even with the co-signer, Charles was rejected for this debt consolidation loan. With good credit, it can be a challenge to obtain funding, even with collateral and a co-signer.

Fast Loans for Charles in Wayne, West Virginia to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Wayne, West Virginia aren’t actually that difficult to obtain, particularly if you have some finesse like Charles. Charles was able to find a fast loan for $12000 from Davis Trust Company and Clear Mountain Bank, but turned down both offers in favor of their debt consolidation loan from Bank One, West Virginia, Wayne County, Inc.. The improvement with a fast loan over a personal loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 6 weeks for debt consolidation loans. A big difference if a client is in a time sensitive situation.

Charles’s Overall FICO score at the time of acceptance for a debt consolidation loan, taking into account their speech writer job and their future job as an education and training administrator

Fico Score: 681

Debt Consolidation Will Help Any Highly Indebted Borrower to Escape Bad Debts like Loan Sharks

Normal debt consolidation loans range from $39,000.00 to $55,000.00. They are typically used to pay off existing high interest loans like credit cards. Charles needed a debt consolidation loan to pay for their existing debt consolidation loan and their payday loan. Charles was able to find a debt consolidation loan in the end. Debt consolidation, or simply consolidation, is a technique in the strategic borrowing method which changes your bad, high interest loans to one reduced interest loan. Debt consolidation loans generally have interest rates that are low, like 2.8%.

Contact Details for Bank One, West Virginia, Wayne County, Inc., the provider of this debt consolidation loan

  • Bank One, West Virginia, Wayne County, Inc.
  • City: Wayne
  • State: West Virginia
  • Address: 608 Hendricks Street
  • County: Wayne
  • Zip code: 25570

9 Months in the Past, Charles Attempted to Find a High Risk Loan for $27,000.00, but They Didn’t Find What They were Expecting

It is an existing struggle for borrowers to get high risk loans in a non-harmful manner. Many high risk loans end up coming from loan sharks or similar lenders, which can be scary to borrowers like Charles. Charles chose not to get a high risk loan this time. High Risk loans are given to bad credit borrowers. Borrowers with credit ratings as low as 566 can inquire for a high risk loan and may be be approved.

Previous requests on Charles’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$128470.00 6 9.5% $2347.75 Wesbanco Bank Sistersville October 10, 2010
$128310.00 10 11.1% $1774.74 Wesbanco Bank, Inc. March 8, 2011
$128330.00 10 11.6% $1811.61 Peoples State Bank, National Association January 10, 2013
$127700.00 5 10.4% $2738.45 Kanawha Banking & Trust Company National Association October 17, 2013

Personal Loan for a speech writer named Charles in Wayne, West Virginia to Pay Off WestJet RBC World Elite MasterCard

Charles had a lot of credit card debt on their New York Yankees World MasterCard with Extra Bases Rewards and their SEEDS Visa Platinum Rewards Card, and they were starting to get in over their heads. Despite Charles’s job as a speech writer, they struggled to make payments on the $28,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Before applying for this debt consolidation loan, Charles had an Experian score of 692, which is good, so Bank One, West Virginia, Wayne County, Inc. likely cannot provide Charles a debt consolidation loan

Experian Score: 692

Client Profile: Charles Angus of Wayne, West Virginia
  • Full name (Changed if requested): Charles Angus
  • Current Credit: loans.hit.utils.Fico@2dda6444
  • Current City: Wayne
  • State: West Virginia
  • Zip code: 25571
  • Yearly income: $45,000
  • Current Job: speech writer
  • Current County: Wayne
  • Goal Yearly Income: $143,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $4000

Charles’s Transunion score was altered by the debt consolidation loan loan, changing to 662 from 681, which is normal in our experience.

Transunion Score: 662

Conclusion of Charles’s debt consolidation loan

In the end, Charles was able to find a debt consolidation loan for $12000 with an interest rate of 6.2% interest APR from Bank One, West Virginia, Wayne County, Inc. in Wayne, West Virginia repayable over 5 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.