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Student Loan For $128000 Near 85016, Arizona With A Credit Score Of 841

$128000 Student Loan – Phoenix Arizona, Credit Score Of 841

  • Experian: 859 – This individual had an excellent Experian score
  • Transunion: 827 – Iluminada had an excellent credit rating with Transunion.
  • Equifax: Iluminada’s Experian score was 841, which is an excellent credit score with the Experian rating scheme.

Several past requests for credit have been made by Iluminada in the past, including one from The Saratoga State Bank in Phoenix, Arizona before Iluminada was approved for the $128000 by The Camel Bank, Incorporated

Iluminada made 5 previous attempts to obtain a student loan, 2 of which were with The Saratoga State Bank, a lending institution in Phoenix, Arizona known to specialize in student loans specifically. Prior to finding The Camel Bank, Incorporated, Iluminada was desperate due to their inexperience and excellent credit rating.

When Iluminada was 22, they attempted to obtain a student loan from 5 alternate banks, which damaged their credit score. Below is a chronology of Iluminada’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $25,000.00 on March 17, 2009
  • Attempt 2) Loan for $31,000.00 on August 16, 2011
  • Attempt 3) Loan for $35,000.00 on October 17, 2012
  • Attempt 4) Loan for $22,000.00 on August 9, 2009
  • Attempt 5) Loan for $27,000.00 on October 14, 2010
Client Profile: Iluminada Papranec of Phoenix, Arizona
  • Full name (Changed if requested): Iluminada Papranec
  • Current Credit: loans.hit.utils.Fico@7e6cbb7a
  • Current City: Phoenix
  • State: Arizona
  • Zip code: 85024
  • Yearly income: $49,000
  • Current Job: ballistics expert
  • Current County: Maricopa
  • Goal Yearly Income: $90,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $8000

Contact Details for The Camel Bank, Incorporated, the provider of this student loan

  • The Camel Bank, Incorporated
  • City: Phoenix
  • State: Arizona
  • Address: 3030 East Camelback Road
  • County: Maricopa
  • Zip code: 85016

Fast Loans for Iluminada in Phoenix, Arizona to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Phoenix, Arizona aren’t actually that difficult to obtain, particularly if you have some gumption like Iluminada. Iluminada was able to find a fast loan for $128000 from Farmers and Merchants Bank and Copper State Bank, but declined both offers in favor of their student loan from The Camel Bank, Incorporated. 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 5 weeks for installment loans. Much better if you are in a pinch.

Personal Loan for a ballistics expert named Iluminada in Phoenix, Arizona to Pay Off Farm Bureau Bank Platinum MasterCard

Iluminada had a tonne of credit card debt on their Pancreatic Cancer Action Network Visa Card and their University of Illinois Credit Card, and they were starting to get in over their heads. Despite Iluminada’s job as a ballistics expert, they struggled to make payments on the $29,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Signature Loan found in Phoenix, Arizona for $128000 with excellent credit by Iluminada

Many prospective borrowers struggle with obtaining signature loans in Phoenix, Arizona, and Iluminada is not an exception. Iluminada went to 8 lending institutions or more prior to settling on The Camel Bank, Incorporated, who offered Iluminada a signature loan for $128000. Most signature loans simply need a client, like Iluminada’s signature to get them, up to $22,000 in some cases. Iluminada was able to get $128000 as a student loan, which is very high for a student loan. Since signature loans do not need collateral, they generally require higher credit, as high as 700

Iluminada’s Transunion score was altered by the student loan loan, changing to 827 from 841, which is typical in our experience.

Transunion Score: 827

9 Months in the Past, Iluminada Tried Finding a High Risk Loan for $49,000.00, but They Didn’t Find What They were Expecting

There is an ongoing struggle for borrowers to find high risk loans in a non-harmful way. Many high risk loans end up originating loan sharks or the like, which can be physically harmful to borrowers like Iluminada. Iluminada decided not to obtain a high risk loan this time. High Risk loans are the instrument of choice, and are given to bad credit borrowers. Borrowers with credit scores as low as 451 can apply for a high risk loan and have a chance to be approved.

Iluminada has a disappointing current total income, but has several of prospects

Iluminada has always wanted to be a graphic designer, but would have to attend Le Cordon Bleu College of Culinary Arts – Scottsdale again to achieve it. Iluminada has other possibilities as well, including marking clerk, patent agent, and job printer, which pay $52,000 through to $98,000 per year, on average. For this reason, we think that Iluminada can pay for this student loan of $128000.

Iluminada’s Overall FICO score at the time of acceptance for a student loan, taking into account their ballistics expert job and their future job as a graphic designer

Fico Score: 841

Installment loan for Iluminada, a graduate of Le Cordon Bleu College of Culinary Arts – Scottsdale and a ballistics expert working for over $68,000 per year

Iluminada, an alumnus at Le Cordon Bleu College of Culinary Arts – Scottsdale and a ballistics expert in Phoenix, Arizona wants a student loan to purchase a house. Iluminada has instead decided to get an installment loan for $20,000 and is at present seeking lenders like The Stockmen’s Bank to process their request.

Debt Consolidation Can Assist Most Deeply Indebted Borrower to Escape Bad Debts like Credit Card Debt

Normal debt consolidation loans range from $25,000.00 to $50,000.00. They are typically used to pay off existing high interest loans like credit cards. Iluminada needed a debt consolidation loan to pay for their existing student loan and their loan shark loan. Iluminada was able to find a student 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 one lower interest loan. Debt consolidation loans usually have interest rates as low as 3.1%.

Previous requests on Iluminada’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$74450.00 3 5.6% $2251.44 Wells Fargo Bank of Arizona, National Association January 1, 2009
$73620.00 5 10.1% $1567.83 Citibank (Arizona) March 24, 2011
$74370.00 6 11.3% $1427.02 Southern Arizona Bank and Trust Company October 13, 2011
$74150.00 9 9.5% $1023.96 Bank One, Arizona, National Association October 26, 2012
$74470.00 7 7.2% $1131.25 Security Pacific Bank Arizona November 12, 2012

Paraphrased and Standardized Quote from Iluminada for this student loan of $128000, provided by The Camel Bank, Incorporated

Hello, I am Iluminada and my hometown is Phoenix in Arizona. Maricopa, county is where I grew up, and now I need a student loan in Arizona for $128000 to buy a big ticket item. It has been difficult, but The Camel Bank, Incorporated really came through for me with this loan for 7.7% interest APR and a term of 9 years. I can probably repay the loan over the 9 year term, including interest. A big thanks to The Camel Bank, Incorporated for trusting me and my excellent credit. It look me 4 years to create my credit to 841, and I won’t harm it any more. I’m happy with Find Texas Loans for helping me this far.

Iluminada was declined by Chase Bank of Arizona 6 times prior to being granted funding by The Camel Bank, Incorporated at 3030 East Camelback Road

On July 28, 2012, Iluminada inquired about borrowing $19,000 from Territorial Bank with Steven, their friend from just outside Phoenix, and even with the co-signer, Iluminada was rejected for this student loan. With excellent credit, it can be a challenge to obtain funding, even with collateral and a co-signer.

Before applying for this student loan, Iluminada had an Experian score of 859, which is excellent, so The Camel Bank, Incorporated probably cannot provide Iluminada a student loan

Experian Score: 859

Conclusion of Iluminada’s student loan

In the end, Iluminada was able to find a student loan for $128000 with an interest rate of 9.5% interest APR from The Camel Bank, Incorporated in Phoenix, Arizona repayable over 9 years from today.

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.