$12000 Unsecured Loan – Crosby Texas, Credit Rating Of 390
- Experian: 407 – This client had a terrible Experian rating
- Transunion: 377 – Haywood had a terrible credit rating with Transunion.
- Equifax: Haywood’s Experian score was 390, which is a terrible credit score with the Experian rating scheme.
Contact Details for First National Bank of Crosby, the provider of this unsecured loan
- First National Bank of Crosby
- City: Crosby
- State: Texas
- Address: 14700 Fm 2100
- County: Harris
- Zip code: 77532
Paraphrased and Standardized Quote from Haywood for this unsecured loan of $12000, provided by First National Bank of Crosby
Hi, I am Haywood and my hometown is Crosby in Texas. Harris, county is where I grew up, and now I need a unsecured loan in Texas for $12000 to buy a car. It has been difficult, but First National Bank of Crosby really came through for me with this loan for 10.6% interest APR and a term of 10 years. I can repay the loan over the 10 year term, including interest. A big thanks to First National Bank of Crosby for trusting me and my terrible credit. It look me 7 years to create my credit to 390, and I won’t tarnish it any more. I am happy with Find Texas Loans for assisting me this far.
Haywood’s Transunion score was changed by the unsecured loan loan, changing to 377 from 390, which is typical in our experience.
Personal Loan for an audio-visual collections specialist named Haywood in Crosby, Texas to Pay Off University of Georgia WorldPoints Platinum Plus Visa Card
Haywood had a lot of credit card debt on their Arvest Premier Corporate Visa and their The Home Depot Consumer Credit Card, and they were starting to get in over their heads. Despite Haywood’s job as an audio-visual collections specialist, they struggled to make payments on the $22,000.00 credit card balance, badly needing assistance in the form of a personal loan.
Signature Loan found in Crosby, Texas for $12000 with terrible credit by Haywood
A lot of clients struggle with finding signature loans in Crosby, Texas, and Haywood is the same. Haywood went to 7 lenders or more before finding First National Bank of Crosby, who offered Haywood a signature loan for $12000. Typical signature loans simply require a client, like Haywood’s signature to get them, up to $43,000 in some cases. Haywood was able to get $12000 as a unsecured loan, which is very high for an unsecured loan. Since signature loans don’t require collateral, these loans tend to require higher credit, as high as 757
Many other requests for credit have been made by Haywood in the past, including one from First Wisconsin National Bank of West Towne in Crosby, Texas before Haywood was accepted for the $12000 by First National Bank of Crosby
Haywood made 7 previous attempts to obtain an unsecured loan, 2 of which were with First Wisconsin National Bank of West Towne, a lender in Crosby, Texas known to specialize in unsecured loans specifically. Prior to finding First National Bank of Crosby, Haywood was concerned due to their inexperience and terrible credit score.
When Haywood was 22, they attempted to obtain a student loan from 4 alternate lenders, which harmed their credit score. Below is a chronology of Haywood’s previous attempts at finding a student loan:
- Attempt 1) Loan for $26,000.00 on January 30, 2010
- Attempt 2) Loan for $25,000.00 on April 17, 2013
- Attempt 3) Loan for $20,000.00 on January 25, 2013
- Attempt 4) Loan for $28,000.00 on May 14, 2009
Installment loan for Haywood, a graduate of Mount Sinai Hospital and an audio-visual collections specialist working for over $61,000 per year
Haywood, an alumnus at Mount Sinai Hospital and an audio-visual collections specialist in Crosby, Texas wants an unsecured loan to purchase a car. Haywood has instead decided to get an installment loan for $18,000 and is currently seeking lenders like First State Bank of Mathis to process their request.
Haywood has a disappointing current gross income, but has a large amount of prospects
Haywood has always wanted to be a directory assistance operator, but would have to attend Mount Sinai Hospital again to achieve it. Haywood has other possibilities as well, including cosmetologist, sales representative, and computer programmer, which pay $51,000 through to $101,000 per year, on average. For this reason, we believe that Haywood can pay for this unsecured loan of $12000.
7 Months Ago, Haywood Tried to Find a High Risk Loan for $40,000.00, and it was Easy
It is an well known struggle for borrowers to find high risk loans in a safe manner. Many high risk loans end up originating loan sharks or the like, which can be frightening to borrowers like Haywood. Haywood decided not to get a high risk loan this time. High Risk loans are generally given by lenders to terrible credit individuals. Clients with credit scores as low as 362 can inquire for a high risk loan and have a chance to be approved.
Debt Consolidation Can Assist Any Deeply Indebted Borrower to Escape Bad Debts like Loan Sharks
Normal debt consolidation loans range from $35,000.00 to $58,000.00. They are mainly used to pay off existing high interest loans like credit cards. Haywood needed a debt consolidation loan to pay for their existing unsecured loan and their payday loan. Haywood was able to find a unsecured loan in the end. Debt consolidation, or just consolidation, is a technique in the strategic borrowing method which transfers your dirty, catastrophically high interest loans to one lower interest loan. Debt consolidation loans generally have interest rates that are low, like 3.2%.
Haywood was rejected by Eden State Bank 4 times before being approved by First National Bank of Crosby at 14700 Fm 2100
On September 29, 2010, Haywood inquired about borrowing $29,000 from Silsbee State Bank with Lizzette, their friend from just outside Crosby, and even with the co-signer, Haywood was rejected for this unsecured loan. With terrible credit, it can be challenging to procure financing, even with collateral and a co-signer.
- Full name (Changed if requested): Haywood Billingham
- Current Credit: loans.hit.utils.Fico@17f052a3
- Current City: Crosby
- State: Texas
- Zip code: 77533
- Yearly income: $47,000
- Current Job: audio-visual collections specialist
- Current County: Harris
- Goal Yearly Income: $132,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $1000
Previous requests on Haywood’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$71530.00||9||5.8%||$851.71||Comerica Bank||November 26, 2010|
|$72440.00||7||11.3%||$1251.81||First Star Bank, S.S.B.||July 18, 2013|
|$71820.00||9||10.7%||$1038.55||Brownfield State Bank & Trust Co.||September 20, 2014|
|$72440.00||4||5.4%||$1681.4||First Bank & Trust, Bryan, Texas||November 9, 2014|
Haywood’s Overall FICO score at the time of acceptance for an unsecured loan, taking into account their audio-visual collections specialist job and their future career as a directory assistance operator
Fast Loans for Haywood in Crosby, Texas to prevent bankruptcy or harm from debt collectors.
Fast loans in Crosby, Texas aren’t actually that difficult to obtain, especially if you have some finesse like Haywood. Haywood was able to find a fast loan for $12000 from First State Bank of Mathis and Farmers State Bank of Shiro, Texas, but turned down both offers in favor of their unsecured loan from First National Bank of Crosby. The improvement with a fast loan over a debt consolidation loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 5 weeks for debt consolidation loans. A big difference in the case that a client is on the go.
Before applying for this unsecured loan, Haywood had an Experian score of 407, which is terrible, so First National Bank of Crosby most likely cannot provide Haywood an unsecured loan
Conclusion of Haywood’s unsecured loan
In the end, Haywood was able to find an unsecured loan for $12000 with an interest rate of 6.6% interest APR from First National Bank of Crosby in Crosby, Texas repayable over 10 years from today.