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Signature Loan For $6000 Near 12754, New York With A Credit Score Of 435

$6000 Signature Loan – Liberty New York, Credit Rating Of 435

  • Experian: 452 – The client had a bad Experian rating
  • Transunion: 417 – Hortensia had a bad credit score with Transunion.
  • Equifax: Hortensia’s Experian score was 435, which is a bad credit score with the Experian rating scheme.

Hortensia’s Transunion score was changed by the signature loan loan, changing to 417 from 435, which is typical in our experience.

Transunion Score: 417

Personal Loan for a radio & tv producer named Hortensia in Liberty, New York to Pay Off Teachers FCU Student No Frills Card

Hortensia had a tonne of credit card debt on their American Savings Bank Platinum Edition Visa Card and their RBC Visa Infinite Avion, and they were starting to get in over their heads. Despite Hortensia’s job as a radio & tv producer, they struggled to make payments on the $20,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Previous requests on Hortensia’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$79220.00 7 11.5% $1377.36 Bankers Trust Company of Albany, National Association June 16, 2011
$79240.00 8 6.7% $1068.54 Montgomery County Trust Company October 10, 2011
$79220.00 3 9.7% $2545.06 Bank of Avoca June 19, 2012
$79170.00 11 7.1% $865.85 The State Bank of Belmont October 24, 2014
Client Profile: Hortensia Goes of Liberty, New York
  • Full name (Changed if requested): Hortensia Goes
  • Current Credit: loans.hit.utils.Fico@728938a9
  • Current City: Liberty
  • State: New York
  • Zip code: 12761
  • Yearly income: $36,000
  • Current Job: radio & tv producer
  • Current County: Sullivan
  • Goal Yearly Income: $129,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $5000

Before applying for this signature loan, Hortensia had an Experian score of 452, which is bad, so The Sullivan County National Bank of Liberty most likely cannot provide Hortensia a signature loan

Experian Score: 452

Installment loan for Hortensia, a graduate of ATI Career Training Center – Dallas and a radio & tv producer working for over $62,000 per year

Hortensia, an alumnus at ATI Career Training Center – Dallas and a radio & tv producer in Liberty, New York needs a signature loan to purchase a new cell phone. Hortensia has instead chosen to get an installment loan for $26,000 and is currently seeking lenders like Bankers Trust Company of Albany, National Association to provide it.

Signature Loan found in Liberty, New York for $6000 with bad credit by Hortensia

Many borrowers struggle with finding signature loans in Liberty, New York, and Hortensia is the same. Hortensia went to 8 lenders or more before settling on The Sullivan County National Bank of Liberty, who offered Hortensia a signature loan for $6000. Typical signature loans simply require a client, like Hortensia’s signature to obtain them, up to $32,000 in some cases. Hortensia was able to get $6000 as a signature loan, which is very high for a signature loan. Because signature loans don’t need collateral, they tend to require higher credit, as high as 705

Debt Consolidation Will Help Any Deeply Indebted Borrower to Escape Bad Debts like Credit Card Debt

Most debt consolidation loans range from $31,000.00 to $41,000.00. They are normally used to pay off existing high interest loans like credit cards. Hortensia required a debt consolidation loan to pay for their existing signature loan and their payday loan. Hortensia was able to find a signature loan in the end. Debt consolidation, or just consolidation, is a technique in the debt snowball method which transfers your less desirable, high interest loans to one reduced interest loan. Debt consolidation loans usually have interest rates that are low, like 2.7%.

Hortensia has a disappointing current yearly income, but has a high number of prospects

Hortensia has always wanted to be a marine/port engineer, but would have to attend ATI Career Training Center – Dallas again to become one. Hortensia has other prospects as well, including new accounts clerk, nuclear equipment operation technician, and industrial arts teacher, which pay $58,000 through to $93,000 per year, on average. For this reason, we believe that Hortensia can afford this signature loan of $6000.

Paraphrased and Standardized Quote from Hortensia for this signature loan of $6000, provided by The Sullivan County National Bank of Liberty

Hi, I am Hortensia and I am from Liberty in New York. Sullivan, county is where I grew up, and now I need a signature loan in New York for $6000 to renovate my home. It wasn’t easy, but The Sullivan County National Bank of Liberty really came through for me with this loan for 11.4% interest APR and a term of 11 years. I can repay the loan over the 11 year term, including interest. A big thanks to The Sullivan County National Bank of Liberty for giving me a chance and my bad credit. It look me 6 years to create my credit to 435, and I won’t harm it any more. I’m pleased with Find Texas Loans for assisting me this far.

Hortensia was not approved by Endicott Trust Company 6 times prior to being approved by The Sullivan County National Bank of Liberty at Main Street

On December 7, 2012, Hortensia applied about borrowing $9,000 from Chemung Canal Trust Company with Deetta, their friend from just outside Liberty, and even with the co-signer, Hortensia was rejected for this signature loan. With bad credit, it can be challenging to procure financing, even with collateral and a co-signer.

Hortensia’s Overall FICO score at the time of acceptance for a signature loan, taking into account their radio & tv producer job and their future career as a marine/port engineer

Fico Score: 435

Fast Loans for Hortensia in Liberty, New York to prevent bankruptcy or bodily harm from debt collectors.

Fast loans in Liberty, New York aren’t actually that difficult to obtain, particularly if you have some gumption like Hortensia. Hortensia was able to find a fast loan for $6000 from HSBC Bank USA and Tompkins Trust Company, but turned down both offers in favor of their signature loan from The Sullivan County National Bank of Liberty. 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 debt consolidation loans. An improvement if you are in a pinch.

Contact Details for The Sullivan County National Bank of Liberty, the provider of this signature loan

  • The Sullivan County National Bank of Liberty
  • City: Liberty
  • State: New York
  • Address: Main Street
  • County: Sullivan
  • Zip code: 12754

Many past requests for credit have been made by Hortensia in the past, including one from Texas American Bank/Longview National Association in Liberty, New York before Hortensia was accepted for the $6000 by The Sullivan County National Bank of Liberty

Hortensia made 7 previous tries to obtain a signature loan, 2 of which were with Texas American Bank/Longview National Association, a bank in Liberty, New York known to specialize in signature loans specifically. Prior to finding The Sullivan County National Bank of Liberty, Hortensia was desperate due to their inexperience and bad credit score.

When Hortensia was 24, they tried to obtain a student loan from 4 different lenders, which harmed their credit score. Below is a chronology of Hortensia’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $26,000.00 on September 22, 2011
  • Attempt 2) Loan for $23,000.00 on December 24, 2010
  • Attempt 3) Loan for $32,000.00 on October 26, 2008
  • Attempt 4) Loan for $37,000.00 on December 26, 2008

7 Months Ago, Hortensia Tried Finding a High Risk Loan for $46,000.00, and it was Easy

It is an well known struggle for clients to find high risk loans in a non-harmful way. a lot of high risk loans end up originating loan sharks or the like, which can be physically harmful to borrowers like Hortensia. Hortensia chose not to obtain a high risk loan this time. High Risk loans are the instrument of choice, and are given to terrible credit applicants. Borrowers with credit ratings as low as 345 can inquire for a high risk loan and may be be approved.

Conclusion of Hortensia’s signature loan

In the end, Hortensia was able to find a signature loan for $6000 with an interest rate of 5.4% interest APR from The Sullivan County National Bank of Liberty in Liberty, New York repayable over 11 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.