$28000 Debt Consolidation Loan – Charlotte North Carolina, Credit Score Of 803
- Experian: 813 – They had an excellent Experian rating
- Transunion: 791 – Elisa had an excellent credit score with Transunion.
- Equifax: Elisa’s Experian score was 803, which is an excellent credit rating with the Experian scale.
- Full name (Changed if requested): Elisa Isgro
- Current Credit: loans.hit.utils.Fico@2ef1e4fa
- Current City: Charlotte
- State: North Carolina
- Zip code: 28207
- Yearly income: $30,000
- Current Job: quality control coordinator
- Current County: Mecklenburg
- Goal Yearly Income: $148,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $1000
Signature Loan found in Charlotte, North Carolina for $28000 with excellent credit by Elisa
A lot of borrowers have difficulty with finding signature loans in Charlotte, North Carolina, and Elisa is not an exception. Elisa went to 7 lenders or more before settling on Mutual Savings and Loan Association, Inc., who offered Elisa a signature loan for $28000. Typical signature loans simply require a client, like Elisa’s signature to obtain them, up to $26,000 in some cases. Elisa was able to get $28000 as a debt consolidation loan, which is very high for a debt consolidation loan. Because signature loans don’t require collateral, they generally require improved credit, as high as 712
Before applying for this debt consolidation loan, Elisa had an Experian score of 813, which is excellent, so Mutual Savings and Loan Association, Inc. probably cannot provide Elisa a debt consolidation loan
Elisa’s Transunion score was changed by the debt consolidation loan loan, changing to 791 from 803, which is normal in our experience.
Several previous requests for credit have been made by Elisa in the past, including one from Farmers State Bank of Carlock in Charlotte, North Carolina before Elisa was accepted for the $28000 by Mutual Savings and Loan Association, Inc.
Elisa made 7 previous attempts to obtain a debt consolidation loan, 2 of which were with Farmers State Bank of Carlock, a lender in Charlotte, North Carolina known to specialize in debt consolidation loans specifically. Before finding Mutual Savings and Loan Association, Inc., Elisa was concerned due to their inexperience and excellent credit rating.
Installment loan for Elisa, a graduate of Branford Hall Career Institute – Branford Campus and a quality control coordinator working for over $79,000 per year
Elisa, an alumnus at Branford Hall Career Institute – Branford Campus and a quality control coordinator in Charlotte, North Carolina needs a debt consolidation loan to purchase a house. Elisa has instead chosen to obtain an installment loan for $15,000 and is at present seeking lenders like The Bank of Currituck to process their request.
Previous requests on Elisa’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$126320.00||5||8.3%||$2579.49||The Farmers Bank of Seaboard||November 19, 2013|
|$126290.00||5||8.2%||$2572.81||The Bank of Raeford||October 14, 2014|
|$126310.00||10||6.8%||$1453.58||The Bank of Coleridge||November 18, 2014|
|$126330.00||9||9.5%||$1744.54||Farmers Bank of Sunbury||March 9, 2015|
Paraphrased and Standardized Quote from Elisa for this debt consolidation loan of $28000, provided by Mutual Savings and Loan Association, Inc.
Hi, I am Elisa and I am from Charlotte in North Carolina. Mecklenburg, county is where I grew up, and now I need a debt consolidation loan in North Carolina for $28000 to pay bills. It has been difficult, but Mutual Savings and Loan Association, Inc. really came through for me with this loan for 8.8% interest APR and a term of 20 years. I can repay the loan over the 20 year term, including interest. A big thanks to Mutual Savings and Loan Association, Inc. for trusting me and my excellent credit. It look me 9 years to build my credit to 803, and I won’t harm it any future. I am pleased with Find Texas Loans for assisting me this far.
Contact Details for Mutual Savings and Loan Association, Inc., the provider of this debt consolidation loan
- Mutual Savings and Loan Association, Inc.
- City: Charlotte
- State: North Carolina
- Address: 330 South Tryon Street
- County: Mecklenburg
- Zip code: 28202
When Elisa was 20, they attempted to obtain a student loan from 7 alternate banks, which damaged their credit rating. Below is a chronology of Elisa’s prior attempts at finding a student loan:
- Attempt 1) Loan for $36,000.00 on September 18, 2012
- Attempt 2) Loan for $22,000.00 on January 7, 2014
- Attempt 3) Loan for $20,000.00 on October 12, 2010
- Attempt 4) Loan for $26,000.00 on January 11, 2014
- Attempt 5) Loan for $30,000.00 on July 24, 2011
- Attempt 6) Loan for $20,000.00 on September 29, 2011
- Attempt 7) Loan for $26,000.00 on November 22, 2009
Fast Loans for Elisa in Charlotte, North Carolina to prevent bankruptcy or bodily harm from debt collectors.
Fast loans in Charlotte, North Carolina aren’t actually that difficult to obtain, especially if you have some finesse like Elisa. Elisa was able to find a fast loan for $28000 from Farmers & Merchants Bank and Nationsbank of North Carolina, National Association, but turned down both offers in favor of their debt consolidation loan from Mutual Savings and Loan Association, Inc.. The difference with a fast loan over a installment loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 7 weeks for installment loans. A big improvement in the case that a client is on the go.
Elisa’s Overall FICO score at the time of acceptance for a debt consolidation loan, taking into account their quality control coordinator job and their future career as a math professor
7 Months Ago, Elisa Attempted Finding a High Risk Loan for $35,000.00, and it was Easy
It is an existing struggle for borrowers to get high risk loans in a non-harmful manner. a lot of high risk loans end up originating loan sharks or the like, which can be physically harmful to borrowers like Elisa. Elisa decided not to obtain a high risk loan this time. High Risk loans are the instrument of choice, and are given to very low credit clients. Clients with credit ratings as low as 385 can apply for a high risk loan and may be be approved.
Elisa was declined by The Carolina Bank 6 times prior to being accepted by Mutual Savings and Loan Association, Inc. at 330 South Tryon Street
On January 17, 2011, Elisa inquired about borrowing $28,000 from The Bank of Coleridge with Heriberto, their friend from just outside Charlotte, and even with the co-signer, Elisa was rejected for this debt consolidation loan. With excellent credit, it can be very hard to obtain financing, even with collateral and a co-signer.
Personal Loan for a quality control coordinator named Elisa in Charlotte, North Carolina to Pay Off First National Bank American Express Card
Elisa had a lot of credit card debt on their Harley-Davidson Visa High Performance Credit Card and their Asiana Visa Business Card, and they were starting to get in over their heads. Despite Elisa’s job as a quality control coordinator, they struggled to make payments on the $20,000.00 credit card balance, desperately needing assistance in the form of a personal loan.
Debt Consolidation Will Help Any Deeply Indebted Borrower to Escape Bad Debts like Payday Loans
Normal debt consolidation loans vary from $28,000.00 to $48,000.00. They are typically used to pay off existing high interest loans like credit cards. Elisa required a debt consolidation loan to pay for their existing debt consolidation loan and their credit card. Elisa was able to find a debt consolidation loan in the end. Debt consolidation, or simply consolidation, is a tactic in the debt snowball method which transfers your dirty, high interest loans to a single lower interest loan. Debt consolidation loans usually have interest rates that are low, like 3.1%.
Elisa has a low current gross income, but has a large amount of prospects
Elisa has always wanted to be a math professor, but would have to attend Branford Hall Career Institute – Branford Campus again to become one. Elisa has other possibilities as well, including recreational protective service worker, sales representative, and cartographic technician, which pay $53,000 through to $104,000 per year, on average. For this reason, we believe that Elisa can afford this debt consolidation loan of $28000.
Conclusion of Elisa’s debt consolidation loan
In the end, Elisa was able to find a debt consolidation loan for $28000 with an interest rate of 6.2% interest APR from Mutual Savings and Loan Association, Inc. in Charlotte, North Carolina repayable over 20 years from now.