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$104000 Debt Consolidation Loan With Good Credit In Washington District Of Columbia

$104000 Debt Consolidation Loan – Washington District Of Columbia, Credit Rating Of 687

  • Experian: 706 – They had a good Experian rating
  • Transunion: 675 – Shirl had a good credit score with Transunion.
  • Equifax: Shirl’s Experian score was 687, which is a good credit score with the Experian system.

Paraphrased and Standardized Quote from Shirl for this debt consolidation loan of $104000, provided by First American Bank, National Association

Hello, I am Shirl and I am from Washington in District Of Columbia. District Of Columbia, county is where I grew up, and now I need a debt consolidation loan in District Of Columbia for $104000 to buy a car. It has been difficult, but First American Bank, National Association really came through for me with this loan for 9.5% interest APR and a term of 24 years. I will repay the loan over the 24 year term, including interest. A big thanks to First American Bank, National Association for trusting me and my good credit. It look me 6 years to build my credit to 687, and I won’t tarnish it any future. I’m happy with Find Texas Loans for helping me this far.

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

Average debt consolidation loans vary from $28,000.00 to $44,000.00. They are normally used to pay off existing high interest loans like credit cards. Shirl required a debt consolidation loan to pay for their existing debt consolidation loan and their credit card. Shirl was able to find a debt consolidation loan in the end. Debt consolidation, or simply consolidation, is a technique in the strategic borrowing method which changes your less desirable, high interest loans to a single lower interest loan. Debt consolidation loans generally have interest rates as low as 4.0%.

Contact Details for First American Bank, National Association, the provider of this debt consolidation loan

  • First American Bank, National Association
  • City: Washington
  • State: District Of Columbia
  • Address: 740 15th Street, N.W.
  • County: District Of Columbia
  • Zip code: 20005

Before applying for this debt consolidation loan, Shirl had an Experian score of 706, which is good, so First American Bank, National Association most likely can provide Shirl a debt consolidation loan

Experian Score: 706

9 Months Ago, Shirl Attempted to Find a High Risk Loan for $28,000.00, and it was Easy

There 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 frightening to borrowers like Shirl. Shirl decided not to get a high risk loan this time. High Risk loans are the instrument of choice, and are given to very low credit individuals. Clients with credit ratings as low as 370 can inquire for a high risk loan and have a chance to be accepted.

Fast Loans for Shirl in Washington, District Of Columbia to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Washington, District Of Columbia aren’t actually that difficult to obtain, especially if you have some finesse like Shirl. Shirl was able to find a fast loan for $104000 from Century National Bank and Madison National Bank, but declined both offers in favor of their debt consolidation loan from First American Bank, National Association. 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 7 weeks for installment loans. Much better if a client is in a time sensitive situation.

Shirl was not approved by Union Trust Company of the District of Columbia 6 times prior to being accepted by First American Bank, National Association at 740 15th Street, N.W.

On October 24, 2011, Shirl applied about borrowing $27,000 from Federal City National Bank with Stephan, their in law from just outside Washington, and even with the co-signer, Shirl was rejected for this debt consolidation loan. With good credit, it can be challenging to obtain financing, even with collateral and a co-signer.

Installment loan for Shirl, a graduate of Hazelden Graduate School of Addiction Studies and a bus driver working for over $70,000 per year

Shirl, an alumnus at Hazelden Graduate School of Addiction Studies and a bus driver in Washington, District Of Columbia wants a debt consolidation loan to purchase a car. Shirl has instead chosen to obtain an installment loan for $10,000 and is at present seeking lenders like Metropolitan Bank, National Association to process their request.

Shirl has a low current gross income, but has several of prospects

Shirl has always wanted to be a contract specialist, but would have to attend Hazelden Graduate School of Addiction Studies again to become one. Shirl has other possibilities as well, including windows – draperies treatment specialist, general internists, and revenue agent, which pay $58,000 through to $109,000 per year, on average. Because of this, we think that Shirl can pay for this debt consolidation loan of $104000.

Shirl’s Overall FICO score at the time of acceptance for a debt consolidation loan, taking into account their bus driver job and their future career as a contract specialist

Fico Score: 687

When Shirl was 19, they attempted to obtain a student loan from 4 different lenders, which damaged their credit score. Below is a list of Shirl’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $31,000.00 on April 17, 2010
  • Attempt 2) Loan for $26,000.00 on January 18, 2009
  • Attempt 3) Loan for $35,000.00 on March 5, 2009
  • Attempt 4) Loan for $23,000.00 on August 8, 2011

Multiple other requests for credit have been made by Shirl in the past, including one from Shelton Savings Bank in Washington, District Of Columbia before Shirl was approved for the $104000 by First American Bank, National Association

Shirl made 8 previous tries to obtain a debt consolidation loan, 2 of which were with Shelton Savings Bank, a lender in Washington, District Of Columbia known to specialize in debt consolidation loans specifically. Prior to finding First American Bank, National Association, Shirl was desperate due to their inexperience and good credit score.

Client Profile: Shirl Mcmain of Washington, District Of Columbia
  • Full name (Changed if requested): Shirl Mcmain
  • Current Credit: loans.hit.utils.Fico@77afea7d
  • Current City: Washington
  • State: District Of Columbia
  • Zip code: 20012
  • Yearly income: $41,000
  • Current Job: bus driver
  • Current County: District Of Columbia
  • Goal Yearly Income: $91,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $1000

Personal Loan for a bus driver named Shirl in Washington, District Of Columbia to Pay Off American Eagle Outfitters Visa Credit Card

Shirl had a lot of credit card debt on their Target Visa RedCard and their USAA Classic American Express, and they were starting to get in over their heads. Despite Shirl’s job as a bus driver, they struggled to make payments on the $25,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Shirl’s Transunion score was changed by the debt consolidation loan loan, changing to 675 from 687, which is typical in our experience.

Transunion Score: 675

Previous requests on Shirl’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$132270.00 5 9.7% $2790.86 First American Bank, National Association December 31, 2008
$131720.00 8 8.4% $1888.97 The National Bank of Washington October 5, 2009
$132440.00 8 5.1% $1682.99 The National Capital Bank of Washington February 29, 2012
$132230.00 8 6.7% $1783.11 Union Trust Company of the District of Columbia June 1, 2014
$132490.00 9 11.3% $1959.82 Citizens Bank of Washington, National Association April 10, 2015

Signature Loan acquired in Washington, District Of Columbia for $104000 with good credit by Shirl

Most borrowers have difficulty with finding signature loans in Washington, District Of Columbia, and Shirl is the same. Shirl went to 7 lending institutions or more before settling on First American Bank, National Association, who offered Shirl a signature loan for $104000. Typical signature loans simply require a client, like Shirl’s signature to get them, up to $23,000 in some cases. Shirl was able to get $104000 as a debt consolidation loan, which is very high for a debt consolidation loan. Because signature loans don’t require a cosigner, they tend to require better credit, as high as 767

Conclusion of Shirl’s debt consolidation loan

In the end, Shirl was able to find a debt consolidation loan for $104000 with an interest rate of 10.1% interest APR from First American Bank, National Association in Washington, District Of Columbia repayable over 24 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.