$98000 Direct Loan – Charlotte North Carolina, Credit Score Of 806
- Experian: 817 – The client had an excellent Experian score
- Transunion: 789 – Kindra had an excellent credit score with Transunion.
- Equifax: Kindra’s Experian score was 806, which is an excellent credit score with the Experian scale.
Kindra’s Overall FICO score at the time of acceptance for a direct loan, taking into account their experimental psychologist job and their future job as an artillery and missile crew member
Multiple other requests for credit have been made by Kindra in the past, including one from Dutton State Bank in Charlotte, North Carolina before Kindra was accepted for the $98000 by First Charlotte Bank and Trust Company
Kindra made 4 previous attempts to obtain a direct loan, 2 of which were with Dutton State Bank, a lending institution in Charlotte, North Carolina known to specialize in direct loans specifically. Before finding First Charlotte Bank and Trust Company, Kindra was concerned due to their inexperience and excellent credit rating.
Personal Loan for an experimental psychologist named Kindra in Charlotte, North Carolina to Pay Off REI Visa Credit Card
Kindra had a lot of credit card debt on their DISTANCIA Visa Signature Card and their Baltimore Orioles BankAmericard Cash Rewards MasterCard, and they were starting to get in over their heads. Despite Kindra’s job as an experimental psychologist, they struggled to make payments on the $27,000.00 credit card balance, desperately needing assistance in the form of a personal loan.
Paraphrased and Standardized Quote from Kindra for this direct loan of $98000, provided by First Charlotte Bank and Trust Company
Hello, I am Kindra and I am from Charlotte in North Carolina. Mecklenburg, county is where I grew up, and now I need a direct loan in North Carolina for $98000 to renovate my home. It has been difficult, but First Charlotte Bank and Trust Company really came through for me with this loan for 9.2% interest APR and a term of 12 years. I will repay the loan over the 12 year term, including interest. A big thanks to First Charlotte Bank and Trust Company for giving me a chance and my excellent credit. It look me 4 years to build my credit to 806, and I won’t tarnish it any more. I’m happy with Find Texas Loans for assisting me this far.
Previous requests on Kindra’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$23260.00||7||6.6%||$346.53||The Farmers Bank of Seaboard||February 9, 2009|
|$23220.00||5||6.5%||$454.33||The Bank of Raeford||January 2, 2011|
|$22560.00||3||5.6%||$682.24||The Bank of Coleridge||August 18, 2012|
|$23410.00||3||10.7%||$763.09||Farmers Bank of Sunbury||July 20, 2014|
|$22890.00||7||9.1%||$369.44||Bank of Pittsboro||December 5, 2014|
Signature Loan acquired in Charlotte, North Carolina for $98000 with excellent credit by Kindra
Many borrowers have difficulty with obtaining signature loans in Charlotte, North Carolina, and Kindra is no different. Kindra went to 7 lending institutions or more prior to finding First Charlotte Bank and Trust Company, who offered Kindra a signature loan for $98000. Typical signature loans simply require a client, like Kindra’s signature to get them, up to $40,000 in some cases. Kindra was able to get $98000 as a direct loan, which is very high for a direct loan. Since signature loans don’t need collateral, they tend to need improved credit, as high as 738
- Full name (Changed if requested): Kindra Puryear
- Current Credit: loans.hit.utils.Fico@27082746
- Current City: Charlotte
- State: North Carolina
- Zip code: 28216
- Yearly income: $38,000
- Current Job: experimental psychologist
- Current County: Mecklenburg
- Goal Yearly Income: $139,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $3000
Contact Details for First Charlotte Bank and Trust Company, the provider of this direct loan
- First Charlotte Bank and Trust Company
- City: Charlotte
- State: North Carolina
- Address: 1701 East Third Street
- County: Mecklenburg
- Zip code: 28207
Fast Loans for Kindra in Charlotte, North Carolina to prevent bankruptcy or harm from debt collectors.
Fast loans in Charlotte, North Carolina aren’t actually that difficult to obtain, especially if you have some gumption like Kindra. Kindra was able to find a fast loan for $98000 from Merchants & Farmers Bank and First State Bank, but declined both offers in favor of their direct loan from First Charlotte Bank and Trust Company. The difference with a fast loan over a installment loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 5 weeks for personal loans. Much better if a client is in a pinch.
Before applying for this direct loan, Kindra had an Experian score of 817, which is excellent, so First Charlotte Bank and Trust Company probably cannot provide Kindra a direct loan
Kindra’s Transunion score was altered by the direct loan loan, changing to 789 from 806, which is normal in our experience.
Installment loan for Kindra, a graduate of SUNY Empire State College and an experimental psychologist working for over $62,000 per year
Kindra, an alumnus at SUNY Empire State College and an experimental psychologist in Charlotte, North Carolina needs a direct loan to purchase something frivolous. Kindra has instead decided to get an installment loan for $5,000 and is at present seeking lenders like Nationsbank of North Carolina, National Association to provide it.
7 Months in the Past, Kindra Attempted Finding a High Risk Loan for $36,000.00, and it was Easy
It is an well known struggle for clients to find high risk loans in a non-harmful way. Many high risk loans end up coming from loan sharks or similar lenders, which can be scary to borrowers like Kindra. Kindra decided not to get a high risk loan this time. High Risk loans are given to bad credit individuals. Borrowers with credit ratings as low as 404 can inquire for a high risk loan and have a chance to be approved.
Kindra was not approved by Bank of Washington 5 times before being approved by First Charlotte Bank and Trust Company at 1701 East Third Street
On February 5, 2013, Kindra inquired about borrowing $17,000 from Communityone Bank, National Association with Patty, their friend from just outside Charlotte, and even with the co-signer, Kindra was rejected for this direct loan. With excellent credit, it can be a challenge to procure funding, even with collateral and a co-signer.
Debt Consolidation Will Help Most Highly Indebted Borrower to Escape Bad Debts like Loan Sharks
Normal debt consolidation loans range from $38,000.00 to $52,000.00. They are mainly used to pay off existing high interest loans like credit cards. Kindra required a debt consolidation loan to pay for their existing direct loan and their payday loan. Kindra was able to find a direct loan in the end. Debt consolidation, or just consolidation, is a technique in the strategic borrowing method which converts your dirty, catastrophically high interest loans to one reduced interest loan. Debt consolidation loans generally have interest rates as low as 3.8%.
Kindra has a low current gross income, but has a high number of prospects
Kindra has always wanted to be an artillery and missile crew member, but would need attend SUNY Empire State College again to achieve it. Kindra has other possibilities as well, including forging machine operator, audiovisual production specialist, and family practitioner, which pay $57,000 through to $98,000 per year, at least. Because of this, we think that Kindra can pay for this direct loan of $98000.
When Kindra was 20, they tried to obtain a student loan from 5 different banks, which harmed their credit rating. Below is a list of Kindra’s prior attempts at finding a student loan:
- Attempt 1) Loan for $30,000.00 on January 30, 2010
- Attempt 2) Loan for $39,000.00 on January 21, 2013
- Attempt 3) Loan for $32,000.00 on November 26, 2010
- Attempt 4) Loan for $35,000.00 on October 25, 2011
- Attempt 5) Loan for $37,000.00 on December 10, 2010
Conclusion of Kindra’s direct loan
In the end, Kindra was able to find a direct loan for $98000 with an interest rate of 5.0% interest APR from First Charlotte Bank and Trust Company in Charlotte, North Carolina repayable over 12 years from now.