$84000 Personal Loan – Douglasville Georgia, Credit Score Of 367
- Experian: 383 – This individual had a terrible Experian score
- Transunion: 349 – Macy had a terrible credit rating with Transunion.
- Equifax: Macy’s Experian score was 367, which is a terrible credit rating with the Experian system.
Multiple previous requests for credit have been made by Macy in the past, including one from Farmers State Bank of Delavan in Douglasville, Georgia before Macy was approved for the $84000 by Peach State Federal Savings and Loan Association
Macy made 6 previous attempts to obtain a personal loan, 2 of which were with Farmers State Bank of Delavan, a lender in Douglasville, Georgia known to specialize in personal loans specifically. Before finding Peach State Federal Savings and Loan Association, Macy was desperate due to their inexperience and terrible credit rating.
Macy’s Overall FICO score at the time of acceptance for a personal loan, taking into account their human resources management consultant job and their future career as a crossing guard
Macy’s Transunion score was altered by the personal loan loan, changing to 349 from 367, which is typical in our experience.
- Full name (Changed if requested): Macy Shipton
- Current Credit: loans.hit.utils.Fico@4b9af9a9
- Current City: Douglasville
- State: Georgia
- Zip code: 30137
- Yearly income: $42,000
- Current Job: human resources management consultant
- Current County: Douglas
- Goal Yearly Income: $126,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $1000
Previous requests on Macy’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$26270.00||11||9.4%||$320.04||NationsBank of Florida, National Association||October 27, 2009|
|$25540.00||3||5.4%||$770.05||Century Bank and Trust||December 9, 2013|
|$25700.00||7||8.6%||$408.29||Bank of Madison||January 2, 2015|
|$25720.00||11||5.3%||$257.55||Bank of Hazlehurst||March 22, 2015|
When Macy was 24, they tried to obtain a student loan from 4 different banks, which damaged their credit score. Below is a list of Macy’s previous attempts at finding a student loan:
- Attempt 1) Loan for $22,000.00 on July 2, 2009
- Attempt 2) Loan for $34,000.00 on October 11, 2012
- Attempt 3) Loan for $34,000.00 on December 7, 2010
- Attempt 4) Loan for $35,000.00 on September 20, 2009
Paraphrased and Standardized Quote from Macy for this personal loan of $84000, provided by Peach State Federal Savings and Loan Association
Hello, I am Macy and I’m from Douglasville in Georgia. Douglas, county is where I grew up, and now I need a personal loan in Georgia for $84000 to avoid bankruptcy. It has been difficult, but Peach State Federal Savings and Loan Association really came through for me with this loan for 11.4% interest APR and a term of 2 years. I can repay the loan over the 2 year term, including interest. A big thanks to Peach State Federal Savings and Loan Association for trusting me and my terrible credit. It look me 4 years to create my credit to 367, and I won’t harm it any more. I’m pleased with Find Texas Loans for assisting me this far.
Contact Details for Peach State Federal Savings and Loan Association, the provider of this personal loan
- Peach State Federal Savings and Loan Association
- City: Douglasville
- State: Georgia
- Address: 6472 Church Street
- County: Douglas
- Zip code: 30134
Macy has a disappointing current total income, but has several of prospects
Macy has always wanted to be a crossing guard, but would have to attend Concordia University Wisconsin again to achieve it. Macy has other possibilities as well, including music therapist, library assistant, and court administrator, which pay $57,000 through to $100,000 per year, on average. For this reason, we think that Macy can pay for this personal loan of $84000.
Before applying for this personal loan, Macy had an Experian score of 383, which is terrible, so Peach State Federal Savings and Loan Association likely cannot provide Macy a personal loan
Installment loan for Macy, a graduate of Concordia University Wisconsin and a human resources management consultant working for over $75,000 per year
Macy, an alumnus at Concordia University Wisconsin and a human resources management consultant in Douglasville, Georgia wants a personal loan to purchase a house. Macy has instead chosen to get an installment loan for $25,000 and is at present seeking lenders like Talbot State Bank to provide it.
Macy was not approved by The Citizens and Southern Bank of Thomaston 5 times before being approved by Peach State Federal Savings and Loan Association at 6472 Church Street
On August 6, 2012, Macy inquired about borrowing $46,000 from Bank of Milan with Kenneth, their in law from just outside Douglasville, and even with the co-signer, Macy was rejected for this personal loan. With terrible credit, it can be very hard to procure funding, even with collateral and a co-signer.
Fast Loans for Macy in Douglasville, Georgia to prevent bankruptcy or bodily harm from debt collectors.
Fast loans in Douglasville, Georgia aren’t actually that difficult to obtain, particularly if you have some gumption like Macy. Macy was able to find a fast loan for $84000 from Coffee County Bank and Allied Bank of Georgia, but declined both offers in favor of their personal loan from Peach State Federal Savings and Loan Association. The difference with a fast loan over a installment loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 7 weeks for personal loans. A big improvement if you are in a time sensitive situation.
Signature Loan found in Douglasville, Georgia for $84000 with terrible credit by Macy
A lot of borrowers have difficulty with obtaining signature loans in Douglasville, Georgia, and Macy is no exception. Macy went to 8 lenders or more prior to finding Peach State Federal Savings and Loan Association, who offered Macy a signature loan for $84000. Most signature loans simply need a client, like Macy’s signature to obtain them, up to $44,000 in some cases. Macy was able to get $84000 as a personal loan, which is very high for a personal loan. Because signature loans don’t need a cosigner, these loans tend to require improved credit, as high as 724
Personal Loan for a human resources management consultant named Macy in Douglasville, Georgia to Pay Off Atlanta Braves BankAmericard Cash Rewards MasterCard
Macy had a lot of credit card debt on their Baby Phat Prepaid Visa RushCard and their Fifth Third Preferred Card, and they were starting to get in over their heads. Despite Macy’s job as a human resources management consultant, they struggled to make payments on the $24,000.00 credit card balance, desperately needing assistance in the form of a personal loan.
6 Months Ago, Macy Attempted to Find a High Risk Loan for $23,000.00, but They Didn’t Find What They were Expecting
There is an ongoing struggle for clients to get high risk loans in a non-harmful way. Many high risk loans end up originating loan sharks or similar lenders, which can be physically harmful to borrowers like Macy. Macy decided not to obtain a high risk loan this time. High Risk loans are given to very low credit individuals. Individuals with credit ratings as low as 426 can inquire for a high risk loan and may be be approved.
Debt Consolidation Can Assist Most Deeply Indebted Borrower to Escape Bad Debts like Payday Loans
Most debt consolidation loans range from $25,000.00 to $49,000.00. They are normally used to pay off existing high interest loans like credit cards. Macy needed a debt consolidation loan to pay for their existing personal loan and their credit card. Macy was able to find a personal loan in the end. Debt consolidation, or just consolidation, is a technique in the strategic borrowing method which transfers your bad, high interest loans to one lower interest loan. Debt consolidation loans usually have interest rates as low as 2.8%.
Conclusion of Macy’s personal loan
In the end, Macy was able to find a personal loan for $84000 with an interest rate of 7.8% interest APR from Peach State Federal Savings and Loan Association in Douglasville, Georgia repayable over 2 years from today.