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Low Rate Debt Consolidation Loan For Madie In Livingston, Montana

$3000 Debt Consolidation Loan – Livingston Montana, Credit Rating Of 427

  • Experian: 441 – This client had a bad Experian rating
  • Transunion: 409 – Madie had a bad credit score with Transunion.
  • Equifax: Madie’s Experian score was 427, which is a bad credit score on the Experian system.

Personal Loan for a developmental psychologist named Madie in Livingston, Montana to Pay Off Merrill Lynch EMA Signature Rewards

Madie had a lot of credit card debt on their Fulton Bank of New Jersey Visa Business Bonus Rewards Card and their OmniPeace Visa Platinum Rewards Card, and they were starting to get in over their heads. Despite Madie’s job as a developmental psychologist, they struggled to make payments on the $21,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Fast Loans for Madie in Livingston, Montana to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Livingston, Montana aren’t actually that difficult to obtain, particularly if you have some gumption like Madie. Madie was able to find a fast loan for $3000 from First Interstate Bank of Great Falls and Security State Bank, Harlem, Montana, but declined both offers in favor of their debt consolidation loan from Empire Bank. The improvement with a fast loan over a personal loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 5 weeks for personal loans. A big difference in the case that you are on the go.

Madie was rejected by Bank of Montana Glasgow 6 times prior to being approved by Empire Bank at 123 South Main St

On December 15, 2011, Madie inquired about borrowing $18,000 from Teton Banks with Jannie, their friend from just outside Livingston, and even with the co-signer, Madie was rejected for this debt consolidation loan. With bad credit, it can be a challenge to obtain funding, even with collateral and a co-signer.

Before applying for this debt consolidation loan, Madie had an Experian score of 441, which is bad, so Empire Bank most likely cannot provide Madie a debt consolidation loan

Experian Score: 441

Madie’s Overall FICO score at the time of acceptance for a debt consolidation loan, taking into account their developmental psychologist job and their future career as a fire prevention engineer

Fico Score: 427

Many past requests for credit have been made by Madie in the past, including one from The First National Bank of Frederick in Livingston, Montana before Madie was accepted for the $3000 by Empire Bank

Madie made 7 prior attempts to obtain a debt consolidation loan, 2 of which were with The First National Bank of Frederick, a bank in Livingston, Montana known to specialize in debt consolidation loans specifically. Prior to finding Empire Bank, Madie was desperate due to their inexperience and bad credit rating.

Debt Consolidation Can Help Any Highly Indebted Borrower to Escape Bad Debts like Payday Loans

Average debt consolidation loans vary from $28,000.00 to $51,000.00. They are typically used to pay off existing high interest loans like credit cards. Madie needed a debt consolidation loan to pay for their existing debt consolidation loan and their loan shark loan. Madie was able to find a debt consolidation loan in the end. Debt consolidation, or just consolidation, is a tactic in the strategic borrowing method which transfers your less desirable, high interest loans to a single lower interest loan. Debt consolidation loans usually have interest rates as low as 3.6%.

Paraphrased and Standardized Quote from Madie for this debt consolidation loan of $3000, provided by Empire Bank

Hello, I am Madie and I am from Livingston in Montana. Park, county is where I grew up, and now I need a debt consolidation loan in Montana for $3000 to avoid bankruptcy. It wasn’t easy, but Empire Bank really came through for me with this loan for 10.8% interest APR and a term of 7 years. I will repay the loan over the 7 year term, including interest. A big thanks to Empire Bank for giving me a chance and my bad credit. It look me 6 years to create my credit to 427, and I won’t harm it any future. I am happy with Find Texas Loans for helping me this far.

Previous requests on Madie’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$144440.00 10 9.7% $1884.87 Western Bank of Wolf Point June 25, 2009
$144440.00 10 8.7% $1806.34 Farmers State Bank September 20, 2009
$144200.00 4 11.1% $3733.93 Bank of Montana Shelby August 17, 2010
$144190.00 10 9.3% $1850.03 Security State Bank, Harlem, Montana August 22, 2012
$144210.00 9 5.3% $1681.86 Bank of Montana Glasgow December 6, 2013

Signature Loan easily acquired in Livingston, Montana for $3000 with bad credit by Madie

A lot of clients have difficulty with obtaining signature loans in Livingston, Montana, and Madie is not an exception. Madie went to 5 lenders or more prior to settling on Empire Bank, who offered Madie a signature loan for $3000. Most signature loans simply need a client, like Madie’s signature to get them, up to $32,000 in some cases. Madie was able to get $3000 as a debt consolidation loan, which is very high for a debt consolidation loan. Because signature loans don’t require a cosigner, they tend to require higher credit, as high as 716

Madie has a disappointing current total income, but has a large amount of prospects

Madie has always wanted to be a fire prevention engineer, but would have to attend Indiana Wesleyan University again to achieve it. Madie has other possibilities as well, including mill worker, painter, and missing person investigator, which pay $51,000 through to $102,000 per year, on average. Because of this, we think that Madie can afford this debt consolidation loan of $3000.

Client Profile: Madie Mask of Livingston, Montana
  • Full name (Changed if requested): Madie Mask
  • Current Credit: loans.hit.utils.Fico@7eda2dbb
  • Current City: Livingston
  • State: Montana
  • Zip code: 59050
  • Yearly income: $69,000
  • Current Job: developmental psychologist
  • Current County: Park
  • Goal Yearly Income: $145,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $7000

Installment loan for Madie, a graduate of Indiana Wesleyan University and a developmental psychologist working for over $73,000 per year

Madie, an alumnus at Indiana Wesleyan University and a developmental psychologist in Livingston, Montana needs a debt consolidation loan to purchase a car. Madie has instead chosen to obtain an installment loan for $23,000 and is at present seeking lenders like The State Bank of Townsend to provide it.

Madie’s Transunion score was changed by the debt consolidation loan loan, changing to 409 from 427, which is normal in our experience.

Transunion Score: 409

When Madie was 24, they tried to obtain a student loan from 5 alternate lenders, which damaged their credit score. Below is a chronology of Madie’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $36,000.00 on August 10, 2010
  • Attempt 2) Loan for $33,000.00 on December 14, 2010
  • Attempt 3) Loan for $34,000.00 on January 20, 2013
  • Attempt 4) Loan for $36,000.00 on December 6, 2009
  • Attempt 5) Loan for $20,000.00 on March 26, 2009

6 Months Ago, Madie Tried Finding a High Risk Loan for $27,000.00, but They Didn’t Find What They were Expecting

There is an ongoing struggle for clients to find high risk loans in a safe way. Many high risk loans end up coming from loan sharks or similar lenders, which can be frightening to borrowers like Madie. Madie decided not to obtain a high risk loan this time. High Risk loans are given to bad credit applicants. Borrowers with credit ratings as low as 400 can apply for a high risk loan and possibly can be accepted.

Contact Details for Empire Bank, the provider of this debt consolidation loan

  • Empire Bank
  • City: Livingston
  • State: Montana
  • Address: 123 South Main St
  • County: Park
  • Zip code: 59047

Conclusion of Madie’s debt consolidation loan

In the end, Madie was able to find a debt consolidation loan for $3000 with an interest rate of 9.0% interest APR from Empire Bank in Livingston, Montana repayable over 7 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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