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$36000 Debt Consolidation Loan In Hopeton Oklahoma With Credit Score 450 For Marietta

$36000 Debt Consolidation Loan – Hopeton Oklahoma, Credit Rating Of 450

  • Experian: 462 – They had a bad Experian score
  • Transunion: 431 – Marietta had a bad credit score with Transunion.
  • Equifax: Marietta’s Experian score was 450, which is a bad credit rating with the Experian scale.

Marietta’s Transunion score was changed by the debt consolidation loan loan, changing to 431 from 450, which is typical in our experience.

Transunion Score: 431

Personal Loan for a purchasing agent named Marietta in Hopeton, Oklahoma to Pay Off Phillips 66 Fleet Card

Marietta had a tonne of credit card debt on their Justice FCU Visa Classic Card and their New York & Company Credit Cards, and they were starting to get in over their heads. Despite Marietta’s job as a purchasing agent, they struggled to make payments on the $29,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Multiple other requests for credit have been made by Marietta in the past, including one from Commonwealth State Bank in Hopeton, Oklahoma before Marietta was approved for the $36000 by The Hopeton State Bank

Marietta made 9 previous attempts to obtain a debt consolidation loan, 2 of which were with Commonwealth State Bank, a lender in Hopeton, Oklahoma known to specialize in debt consolidation loans specifically. Before finding The Hopeton State Bank, Marietta was very concerned due to their inexperience and bad credit rating.

Marietta’s Overall FICO score at the time of acceptance for a debt consolidation loan, taking into account their purchasing agent job and their future career as an occupational therapist

Fico Score: 450

Client Profile: Marietta Bryant of Hopeton, Oklahoma
  • Full name (Changed if requested): Marietta Bryant
  • Current Credit: loans.hit.utils.Fico@60215eee
  • Current City: Hopeton
  • State: Oklahoma
  • Zip code: 73752
  • Yearly income: $69,000
  • Current Job: purchasing agent
  • Current County: Woods
  • Goal Yearly Income: $96,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $5000

Installment loan for Marietta, a graduate of SUNY Downstate Medical Center and a purchasing agent working for over $72,000 per year

Marietta, an alumnus at SUNY Downstate Medical Center and a purchasing agent in Hopeton, Oklahoma needs a debt consolidation loan to purchase a car. Marietta has instead chosen to obtain an installment loan for $13,000 and is currently seeking lenders like Clayton State Bank to provide it.

Previous requests on Marietta’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$65740.00 4 11.1% $1702.28 The First State Bank May 22, 2013
$65670.00 8 5.7% $853.44 Security Bank and Trust Company January 13, 2014
$65600.00 3 10.7% $2138.35 The First State Bank, Willow, Okla. November 5, 2014
$66250.00 3 8.3% $2085.22 Sooner State Bank May 1, 2015
$66200.00 10 10.2% $882.19 The Farmers State Bank May 17, 2015

Paraphrased and Standardized Quote from Marietta for this debt consolidation loan of $36000, provided by The Hopeton State Bank

Hello, I am Marietta and my hometown is Hopeton in Oklahoma. Woods, county is where I grew up, and now I need a debt consolidation loan in Oklahoma for $36000 to pay bills. It has been difficult, but The Hopeton State Bank really came through for me with this loan for 9.6% interest APR and a term of 7 years. I can repay the loan over the 7 year term, including interest. A big thanks to The Hopeton State Bank for giving me a chance and my bad credit. It look me 7 years to create my credit to 450, and I won’t harm it any future. I’m happy with Find Texas Loans for assisting me this far.

Before applying for this debt consolidation loan, Marietta had an Experian score of 462, which is bad, so The Hopeton State Bank likely cannot provide Marietta a debt consolidation loan

Experian Score: 462

Signature Loan found in Hopeton, Oklahoma for $36000 with bad credit by Marietta

Most borrowers have difficulty with finding signature loans in Hopeton, Oklahoma, and Marietta is no different. Marietta went to 7 lending institutions or more before settling on The Hopeton State Bank, who offered Marietta a signature loan for $36000. Most signature loans simply need a client, like Marietta’s signature to obtain them, up to $42,000 in some cases. Marietta was able to get $36000 as a debt consolidation loan, which is very high for a debt consolidation loan. Since signature loans do not require collateral, they generally need improved credit, as high as 728

Marietta has a low current total income, but has a high number of prospects

Marietta has always wanted to be an occupational therapist, but would have to attend SUNY Downstate Medical Center again to achieve it. Marietta has other possibilities as well, including oceanographic assistant, automotive body repairer, and marine cargo surveyor, which pay $59,000 through to $106,000 per year, on average. For this reason, we think that Marietta can afford this debt consolidation loan of $36000.

Debt Consolidation Will Assist Most Deeply Indebted Borrower to Escape Bad Debts like Loan Sharks

Most debt consolidation loans range from $25,000.00 to $41,000.00. They are normally used to pay off existing high interest loans like credit cards. Marietta needed a debt consolidation loan to pay for their existing debt consolidation loan and their credit card. Marietta was able to find a debt consolidation loan in the end. Debt consolidation, or just consolidation, is a technique in the strategic borrowing method which converts your less desirable, high interest loans to a single lower interest loan. Debt consolidation loans generally have interest rates that are low, like 3.2%.

When Marietta was 20, they tried to obtain a student loan from 7 alternate lenders, which damaged their credit rating. Below is a list of Marietta’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $34,000.00 on May 22, 2011
  • Attempt 2) Loan for $21,000.00 on March 5, 2010
  • Attempt 3) Loan for $38,000.00 on May 19, 2010
  • Attempt 4) Loan for $31,000.00 on November 21, 2009
  • Attempt 5) Loan for $35,000.00 on May 21, 2013
  • Attempt 6) Loan for $29,000.00 on September 4, 2013
  • Attempt 7) Loan for $31,000.00 on August 1, 2009

Marietta was not approved by Bank of Healdton 4 times before being approved by The Hopeton State Bank at U.S. Highway 281

On July 22, 2009, Marietta applied about borrowing $41,000 from Security Bank and Trust Company with Pia, their in law from just outside Hopeton, and even with the co-signer, Marietta was rejected for this debt consolidation loan. With bad credit, it can be difficult to procure financing, even with collateral and a co-signer.

Contact Details for The Hopeton State Bank, the provider of this debt consolidation loan

  • The Hopeton State Bank
  • City: Hopeton
  • State: Oklahoma
  • Address: U.S. Highway 281
  • County: Woods
  • Zip code: 73746

8 Months Ago, Marietta Tried Finding a High Risk Loan for $26,000.00, but They Didn’t Find What They were Expecting

There is an well known struggle for borrowers to find high risk loans in a safe way. Many high risk loans end up originating loan sharks or the like, which can be physically harmful to borrowers like Marietta. Marietta chose not to get a high risk loan this time. High Risk loans are generally given by lenders to terrible credit applicants. Clients with credit ratings as low as 421 can apply for a high risk loan and possibly can be accepted.

Fast Loans for Marietta in Hopeton, Oklahoma to prevent bankruptcy or harm from debt collectors.

Fast loans in Hopeton, Oklahoma aren’t actually that difficult to obtain, especially if you have some finesse like Marietta. Marietta was able to find a fast loan for $36000 from First Capital Bank and Bank of Vici, but turned down both offers in favor of their debt consolidation loan from The Hopeton State Bank. The difference with a fast loan over a debt consolidation loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 6 weeks for personal loans. A big difference if a borrower is in a time sensitive situation.

Conclusion of Marietta’s debt consolidation loan

In the end, Marietta was able to find a debt consolidation loan for $36000 with an interest rate of 9.1% interest APR from The Hopeton State Bank in Hopeton, Oklahoma repayable over 7 years from now.

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.