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Consolidation Loan With Reasonable APR In Harris County, Texas

$172000 Consolidation Loan – Houston Texas, Credit Score Of 720

  • Experian: 737 – This individual had an excellent Experian rating
  • Transunion: 701 – Trudie had an excellent credit score with Transunion.
  • Equifax: Trudie’s Experian score was 720, which is an excellent credit score with the Experian scale.

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

Normal debt consolidation loans vary from $38,000.00 to $53,000.00. They are mainly used to pay off existing high interest loans like credit cards. Trudie needed a debt consolidation loan to pay for their existing consolidation loan and their loan shark loan. Trudie was able to find a consolidation loan in the end. Debt consolidation, or simply 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 usually have interest rates as low as 4.6%.

When Trudie was 21, they tried to obtain a student loan from 6 different banks, which harmed their credit score. Below is a chronology of Trudie’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $26,000.00 on December 23, 2010
  • Attempt 2) Loan for $38,000.00 on December 11, 2009
  • Attempt 3) Loan for $21,000.00 on March 23, 2009
  • Attempt 4) Loan for $21,000.00 on October 4, 2009
  • Attempt 5) Loan for $31,000.00 on March 23, 2011
  • Attempt 6) Loan for $27,000.00 on August 11, 2010
Client Profile: Trudie Newgent of Houston, Texas
  • Full name (Changed if requested): Trudie Newgent
  • Current Credit: loans.hit.utils.Fico@5cb0d902
  • Current City: Houston
  • State: Texas
  • Zip code: 77028
  • Yearly income: $68,000
  • Current Job: writer /author
  • Current County: Harris
  • Goal Yearly Income: $128,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $2000

Before applying for this consolidation loan, Trudie had an Experian score of 737, which is excellent, so Mainland Savings Association most likely cannot provide Trudie a consolidation loan

Experian Score: 737

7 Months in the Past, Trudie Attempted 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 manner. Many high risk loans end up coming from loan sharks or similar lenders, which can be frightening to borrowers like Trudie. Trudie 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. Clients with credit ratings as low as 596 can inquire for a high risk loan and may be be approved.

Contact Details for Mainland Savings Association, the provider of this consolidation loan

  • Mainland Savings Association
  • City: Houston
  • State: Texas
  • Address: 3401 Allen Parkway
  • County: Harris
  • Zip code: 77019

Paraphrased and Standardized Quote from Trudie for this consolidation loan of $172000, provided by Mainland Savings Association

Hi, I am Trudie and I am from Houston in Texas. Harris, county is where I grew up, and now I need a consolidation loan in Texas for $172000 to avoid bankruptcy. It has been difficult, but Mainland Savings Association really came through for me with this loan for 8.2% interest APR and a term of 4 years. I can probably repay the loan over the 4 year term, including interest. A big thanks to Mainland Savings Association for trusting me and my excellent credit. It look me 4 years to create my credit to 720, and I won’t tarnish it any future. I am pleased with Find Texas Loans for helping me this far.

Fast Loans for Trudie in Houston, Texas to prevent bankruptcy or bodily harm from debt collectors.

Fast loans in Houston, Texas aren’t actually that difficult to obtain, especially if you have some finesse like Trudie. Trudie was able to find a fast loan for $172000 from First State Bank of Matador and First State Bank of Matador, but turned down both offers in favor of their consolidation loan from Mainland Savings Association. The improvement with a fast loan over a debt consolidation loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 7 weeks for installment loans. An improvement if a borrower is in a time sensitive situation.

Trudie’s Overall FICO score at the time of acceptance for a consolidation loan, taking into account their writer /author job and their future career as an eeg technician/technologist

Fico Score: 720

Trudie’s Transunion score was altered by the consolidation loan loan, changing to 701 from 720, which is typical in our experience.

Transunion Score: 701

Trudie was declined by Brownfield State Bank & Trust Co. 4 times before being accepted by Mainland Savings Association at 3401 Allen Parkway

On September 29, 2009, Trudie applied about borrowing $21,000 from First Community Bank San Antonio, National Association with Timothy, their friend from just outside Houston, and even with the co-signer, Trudie was rejected for this consolidation loan. With excellent credit, it can be very hard to obtain financing, even with collateral and a co-signer.

Trudie has a low current yearly income, but has several of prospects

Trudie has always wanted to be an eeg technician/technologist, but would have to attend Seton Hall University again to achieve it. Trudie has other prospects as well, including automobile mechanic, forging machine operator, and artillery and missile crew member, which pay $54,000 through to $92,000 per year, at least. For this reason, we think that Trudie can afford this consolidation loan of $172000.

Installment loan for Trudie, a graduate of Seton Hall University and a writer /author working for over $78,000 per year

Trudie, an alumnus at Seton Hall University and a writer /author in Houston, Texas wants a consolidation loan to purchase a house. Trudie has instead chosen to get an installment loan for $29,000 and is at present seeking lenders like Austin Bank, Rusk, Texas to provide it.

Previous requests on Trudie’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$66390.00 6 9.8% $1223.25 Comerica Bank March 2, 2010
$66350.00 3 11.8% $2197.44 First Star Bank, S.S.B. August 31, 2010
$65740.00 11 11.7% $887.55 Brownfield State Bank & Trust Co. September 23, 2010
$66360.00 3 7.1% $2052.04 First Bank & Trust, Bryan, Texas November 19, 2010
$66110.00 6 10.7% $1248.21 First Bank & Trust of Clarendon October 1, 2011

Personal Loan for a writer /author named Trudie in Houston, Texas to Pay Off American Photo Visa Card

Trudie had a tonne of credit card debt on their State Farm Bank Business Visa Card and their National Penn Bank Credit Cards, and they were starting to get in over their heads. Despite Trudie’s job as a writer /author, they struggled to make payments on the $24,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Signature Loan easily acquired in Houston, Texas for $172000 with excellent credit by Trudie

Most prospective borrowers have difficulty with finding signature loans in Houston, Texas, and Trudie is no exception. Trudie went to 4 lenders or more prior to finding Mainland Savings Association, who offered Trudie a signature loan for $172000. Most signature loans simply require a client, like Trudie’s signature to get them, up to $48,000 in some cases. Trudie was able to get $172000 as a consolidation loan, which is very high for a consolidation loan. Because signature loans don’t require collateral, they generally require better credit, as high as 744

Several past requests for credit have been made by Trudie in the past, including one from Bank of the Lakes, National Association in Houston, Texas before Trudie was approved for the $172000 by Mainland Savings Association

Trudie made 5 prior attempts to obtain a consolidation loan, 2 of which were with Bank of the Lakes, National Association, a lending institution in Houston, Texas known to specialize in consolidation loans specifically. Before finding Mainland Savings Association, Trudie was very concerned due to their inexperience and excellent credit score.

Conclusion of Trudie’s consolidation loan

In the end, Trudie was able to find a consolidation loan for $172000 with an interest rate of 10.6% interest APR from Mainland Savings Association in Houston, Texas repayable over 4 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.