$90000 Unsecured Loan – Seguin Texas, Credit Rating Of 690
- Experian: 702 – The client had a good Experian rating
- Transunion: 671 – Vernia had a good credit score with Transunion.
- Equifax: Vernia’s Experian score was 690, which is a good credit rating with the Experian system.
Vernia’s Transunion score was altered by the unsecured loan loan, changing to 671 from 690, which is normal in our experience.
Before applying for this unsecured loan, Vernia had an Experian score of 702, which is good, so First Commercial Bank, National Association most likely cannot provide Vernia an unsecured loan
- Full name (Changed if requested): Vernia Hollingsworth
- Current Credit: loans.hit.utils.Fico@30dae81
- Current City: Seguin
- State: Texas
- Zip code: 78162
- Yearly income: $47,000
- Current Job: marking clerk
- Current County: Guadalupe
- Goal Yearly Income: $115,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $1000
Personal Loan for a marking clerk named Vernia in Seguin, Texas to Pay Off America’s First FCU Visa Secured
Vernia had a lot of credit card debt on their University of Florida Visa Credit Card and their Cincinnati Reds BankAmericard Cash Rewards MasterCard, and they were starting to get in over their heads. Despite Vernia’s job as a marking clerk, they struggled to make payments on the $20,000.00 credit card balance, badly needing assistance in the form of a personal loan.
Vernia’s Overall FICO score at the time of acceptance for an unsecured loan, taking into account their marking clerk job and their future career as an electrical technician
Installment loan for Vernia, a graduate of University of Pittsburgh – Main Campus and a marking clerk working for over $76,000 per year
Vernia, an alumnus at University of Pittsburgh – Main Campus and a marking clerk in Seguin, Texas wants an unsecured loan to purchase a car. Vernia has instead chosen to obtain an installment loan for $20,000 and is currently seeking lenders like Guaranty Bank & Trust Company to process their request.
Contact Details for First Commercial Bank, National Association, the provider of this unsecured loan
- First Commercial Bank, National Association
- City: Seguin
- State: Texas
- Address: 1336 East Court Street
- County: Guadalupe
- Zip code: 78155
Debt Consolidation Will Assist Any Deeply Indebted Borrower to Escape Bad Debts like Credit Card Debt
Average debt consolidation loans range from $23,000.00 to $52,000.00. They are typically used to pay off existing high interest loans like credit cards. Vernia needed a debt consolidation loan to pay for their existing unsecured loan and their credit card. Vernia was able to find a unsecured loan in the end. Debt consolidation, or simply consolidation, is a tactic in the strategic borrowing method which transfers your bad, high interest loans to one lower interest loan. Debt consolidation loans usually have interest rates as low as 3.7%.
Previous requests on Vernia’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$110160.00||9||5.8%||$1311.68||Comerica Bank||April 2, 2009|
|$110270.00||3||5.1%||$3309.84||First Star Bank, S.S.B.||November 2, 2012|
|$110100.00||8||6.8%||$1490.14||Brownfield State Bank & Trust Co.||August 30, 2013|
|$109510.00||11||11.6%||$1472.05||First Bank & Trust, Bryan, Texas||January 12, 2015|
When Vernia was 22, they attempted to obtain a student loan from 5 alternate banks, which damaged their credit score. Below is a chronology of Vernia’s prior attempts at finding a student loan:
- Attempt 1) Loan for $22,000.00 on September 27, 2012
- Attempt 2) Loan for $26,000.00 on November 22, 2008
- Attempt 3) Loan for $31,000.00 on November 30, 2012
- Attempt 4) Loan for $39,000.00 on January 24, 2009
- Attempt 5) Loan for $28,000.00 on December 28, 2008
Multiple previous requests for credit have been made by Vernia in the past, including one from The National Exchange Bank of Boonville in Seguin, Texas before Vernia was accepted for the $90000 by First Commercial Bank, National Association
Vernia made 9 previous tries to obtain an unsecured loan, 2 of which were with The National Exchange Bank of Boonville, a lender in Seguin, Texas known to specialize in unsecured loans specifically. Before finding First Commercial Bank, National Association, Vernia was very concerned due to their inexperience and good credit rating.
Fast Loans for Vernia in Seguin, Texas to prevent bankruptcy or broken legs from debt collectors.
Fast loans in Seguin, Texas aren’t actually that difficult to obtain, especially if you have some gumption like Vernia. Vernia was able to find a fast loan for $90000 from First Star Bank, S.S.B. and Eden State Bank, but turned down both offers in favor of their unsecured loan from First Commercial Bank, National Association. The improvement with a fast loan over a installment loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 5 weeks for installment loans. A big improvement if you are in a time sensitive situation.
Vernia has a very low current yearly income, but has several of prospects
Vernia has always wanted to be an electrical technician, but would have to attend University of Pittsburgh – Main Campus again to achieve it. Vernia has other possibilities as well, including technological espionage intelligence agent, orthodontist, and mine cutting machine operator, which pay $57,000 through to $107,000 per year, on average. Because of this, we think that Vernia can pay for this unsecured loan of $90000.
Paraphrased and Standardized Quote from Vernia for this unsecured loan of $90000, provided by First Commercial Bank, National Association
Hi, I am Vernia and I’m from Seguin in Texas. Guadalupe, county is where I grew up, and now I need a unsecured loan in Texas for $90000 to buy a car. It has been difficult, but First Commercial Bank, National Association really came through for me with this loan for 8.8% interest APR and a term of 21 years. I can repay the loan over the 21 year term, including interest. A big thanks to First Commercial Bank, National Association for giving me a chance and my good credit. It look me 9 years to create my credit to 690, and I won’t tarnish it any more. I am happy with Find Texas Loans for assisting me this far.
Signature Loan acquired in Seguin, Texas for $90000 with good credit by Vernia
Most borrowers have difficulty with finding signature loans in Seguin, Texas, and Vernia is not an exception. Vernia went to 4 lenders or more before settling on First Commercial Bank, National Association, who offered Vernia a signature loan for $90000. Typical signature loans simply require a client, like Vernia’s signature to get them, up to $31,000 in some cases. Vernia was able to get $90000 as a unsecured loan, which is very high for an unsecured loan. Since signature loans do not require collateral, they generally need higher credit, as high as 719
Vernia was rejected by Farmers State Bank of Madisonville, Texas 5 times prior to being granted funding by First Commercial Bank, National Association at 1336 East Court Street
On April 10, 2011, Vernia inquired about borrowing $20,000 from Comerica Bank with Shaun, their in law from just outside Seguin, and even with the co-signer, Vernia was rejected for this unsecured loan. With good credit, it can be challenging to obtain funding, even with collateral and a co-signer.
9 Months Ago, Vernia Attempted to Find a High Risk Loan for $45,000.00, and it was Easy
It is an ongoing struggle for borrowers to get high risk loans in a safe way. a lot of high risk loans end up originating loan sharks or similar lenders, which can be frightening to borrowers like Vernia. Vernia decided not to obtain a high risk loan this time. High Risk loans are generally given by lenders to very low credit clients. Borrowers with credit ratings as low as 463 can inquire for a high risk loan and have a chance to be approved.
Conclusion of Vernia’s unsecured loan
In the end, Vernia was able to find an unsecured loan for $90000 with an interest rate of 8.7% interest APR from First Commercial Bank, National Association in Seguin, Texas repayable over 21 years from now.