$96000 Debt Consolidation Loan – Humble Texas, Credit Rating Of 542
- Experian: 553 – This individual had a fair Experian rating
- Transunion: 530 – Felica had a fair credit score with Transunion.
- Equifax: Felica’s Experian score was 542, which is a fair credit score using the Experian scale.
When Felica was 22, they attempted to obtain a student loan from 7 alternate banks, which damaged their credit rating. Below is a chronology of Felica’s previous attempts at finding a student loan:
- Attempt 1) Loan for $22,000.00 on July 12, 2013
- Attempt 2) Loan for $26,000.00 on August 5, 2012
- Attempt 3) Loan for $36,000.00 on December 4, 2013
- Attempt 4) Loan for $27,000.00 on September 2, 2009
- Attempt 5) Loan for $27,000.00 on July 9, 2010
- Attempt 6) Loan for $22,000.00 on November 8, 2013
- Attempt 7) Loan for $27,000.00 on August 16, 2011
Paraphrased and Standardized Quote from Felica for this debt consolidation loan of $96000, provided by Texas Commerce Bank-Kingwood, National Association
Hi, I am Felica and my hometown is Humble in Texas. Harris, county is where I grew up, and now I need a debt consolidation loan in Texas for $96000 to buy a big ticket item. It wasn’t easy, but Texas Commerce Bank-Kingwood, National Association really came through for me with this loan for 7.3% interest APR and a term of 14 years. I can probably repay the loan over the 14 year term, including interest. A big thanks to Texas Commerce Bank-Kingwood, National Association for trusting me and my fair credit. It look me 4 years to build my credit to 542, and I won’t harm it any future. I am happy with Find Texas Loans for helping me this far.
Felica’s Overall FICO score at the time of acceptance for a debt consolidation loan, taking into account their motor vehicle inspector job and their future job as a high school administrator
Felica’s Transunion score was altered by the debt consolidation loan loan, changing to 530 from 542, which is typical in our experience.
9 Months Ago, Felica Tried Finding a High Risk Loan for $39,000.00, and it was Easy
It is an existing struggle for clients to get high risk loans in a non-harmful manner. a lot of high risk loans end up coming from loan sharks or similar lenders, which can be frightening to borrowers like Felica. Felica chose not to get a high risk loan this time. High Risk loans are given to very low credit borrowers. Clients with credit scores as low as 322 can apply for a high risk loan and possibly can be approved.
Debt Consolidation Will Help Most Deeply Indebted Borrower to Escape Bad Debts like Loan Sharks
Normal debt consolidation loans range from $35,000.00 to $53,000.00. They are mainly used to pay off existing high interest loans like credit cards. Felica required a debt consolidation loan to pay for their existing debt consolidation loan and their payday loan. Felica 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 converts your dirty, high interest loans to a single reduced interest loan. Debt consolidation loans usually have interest rates as low as 4.1%.
Felica has a low current yearly income, but has a high number of prospects
Felica has always wanted to be a high school administrator, but would need attend Drexel University again to achieve it. Felica has other prospects as well, including forest fire inspector, fire inspector, and cost estimator, which pay $52,000 through to $97,000 per year, on average. For this reason, we think that Felica can afford this debt consolidation loan of $96000.
Before applying for this debt consolidation loan, Felica had an Experian score of 553, which is fair, so Texas Commerce Bank-Kingwood, National Association probably cannot provide Felica a debt consolidation loan
Felica was declined by Farmers State Bank of Madisonville, Texas 7 times prior to being accepted by Texas Commerce Bank-Kingwood, National Association at 1075 Kingwood Drive
On November 10, 2009, Felica applied about borrowing $26,000 from First RepublicBank Clifton with Linh, their in law from just outside Humble, and even with the co-signer, Felica was rejected for this debt consolidation loan. With fair credit, it can be a challenge to procure financing, even with collateral and a co-signer.
Installment loan for Felica, a graduate of Drexel University and a motor vehicle inspector working for over $67,000 per year
Felica, an alumnus at Drexel University and a motor vehicle inspector in Humble, Texas wants a debt consolidation loan to purchase a house. Felica has instead chosen to obtain an installment loan for $29,000 and is currently seeking lenders like Eden State Bank to provide it.
Previous requests on Felica’s credit
| Principle in USD | Term Length in Years | Annual Percentage Rate | Monthly Payment | Lender’s Branch Name | Date of Request |
|---|---|---|---|---|---|
| $31410.00 | 8 | 7.4% | $434.51 | Comerica Bank | October 7, 2011 |
| $31140.00 | 9 | 10.1% | $440.1 | First Star Bank, S.S.B. | February 9, 2013 |
| $30780.00 | 6 | 9.1% | $556.35 | Brownfield State Bank & Trust Co. | January 28, 2014 |
| $30580.00 | 3 | 10.2% | $989.6 | First Bank & Trust, Bryan, Texas | February 28, 2014 |
Personal Loan for a motor vehicle inspector named Felica in Humble, Texas to Pay Off Briggs & Stratton Credit Card
Felica had a lot of credit card debt on their NBT Bank Visa Business Bonus Rewards Card and their Signature RBC Rewards Visa, and they were starting to get in over their heads. Despite Felica’s job as a motor vehicle inspector, they struggled to make payments on the $28,000.00 credit card balance, desperately needing assistance in the form of a personal loan.
Fast Loans for Felica in Humble, Texas to prevent bankruptcy or bodily harm from debt collectors.
Fast loans in Humble, Texas aren’t actually that difficult to obtain, especially if you have some gumption like Felica. Felica was able to find a fast loan for $96000 from First RepublicBank Forney and First Financial Bank, but declined both offers in favor of their debt consolidation loan from Texas Commerce Bank-Kingwood, National Association. 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 7 weeks for debt consolidation loans. Much better if a borrower is in a pinch.
Many past requests for credit have been made by Felica in the past, including one from Keystone Financial Bank, National Association in Humble, Texas before Felica was approved for the $96000 by Texas Commerce Bank-Kingwood, National Association
Felica made 4 previous tries to obtain a debt consolidation loan, 2 of which were with Keystone Financial Bank, National Association, a lending institution in Humble, Texas known to specialize in debt consolidation loans specifically. Prior to finding Texas Commerce Bank-Kingwood, National Association, Felica was desperate due to their inexperience and fair credit score.
Signature Loan easily acquired in Humble, Texas for $96000 with fair credit by Felica
Most clients have difficulty with obtaining signature loans in Humble, Texas, and Felica is the same. Felica went to 4 lenders or more before finding Texas Commerce Bank-Kingwood, National Association, who offered Felica a signature loan for $96000. Most signature loans simply require a client, like Felica’s signature to get them, up to $36,000 in some cases. Felica was able to get $96000 as a debt consolidation loan, which is very high for a debt consolidation loan. Since signature loans do not need collateral, they tend to need better credit, as high as 761
Contact Details for Texas Commerce Bank-Kingwood, National Association, the provider of this debt consolidation loan
- Texas Commerce Bank-Kingwood, National Association
- City: Humble
- State: Texas
- Address: 1075 Kingwood Drive
- County: Harris
- Zip code: 77338
- Full name (Changed if requested): Felica Scarfi
- Current Credit: loans.hit.utils.Fico@5474c6c
- Current City: Humble
- State: Texas
- Zip code: 77345
- Yearly income: $45,000
- Current Job: motor vehicle inspector
- Current County: Harris
- Goal Yearly Income: $97,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $1000
Conclusion of Felica’s debt consolidation loan
In the end, Felica was able to find a debt consolidation loan for $96000 with an interest rate of 10.3% interest APR from Texas Commerce Bank-Kingwood, National Association in Humble, Texas repayable over 14 years from now.
