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Dudley Had Need For A Consolidation Loan For $96000, Boston, Massachusetts

$96000 Consolidation Loan – Boston Massachusetts, Credit Score Of 504

  • Experian: 522 – They had a fair Experian rating
  • Transunion: 491 – Dudley had a fair credit score with Transunion.
  • Equifax: Dudley’s Experian score was 504, which is a fair credit rating with the Experian system.

Several previous requests for credit have been made by Dudley in the past, including one from State Bank of Slater in Boston, Massachusetts before Dudley was accepted for the $96000 by Fidelity Personal Trust Company, FSB

Dudley made 7 previous attempts to obtain a consolidation loan, 2 of which were with State Bank of Slater, a lending institution in Boston, Massachusetts known to specialize in consolidation loans specifically. Prior to finding Fidelity Personal Trust Company, FSB, Dudley was very concerned due to their inexperience and fair credit score.

Contact Details for Fidelity Personal Trust Company, FSB, the provider of this consolidation loan

  • Fidelity Personal Trust Company, FSB
  • City: Boston
  • State: Massachusetts
  • Address: 245 Summer Street, 2nd Floor
  • County: Suffolk
  • Zip code: 2210

Before applying for this consolidation loan, Dudley had an Experian score of 522, which is fair, so Fidelity Personal Trust Company, FSB probably cannot provide Dudley a consolidation loan

Experian Score: 522

Client Profile: Dudley Cacciatori of Boston, Massachusetts
  • Full name (Changed if requested): Dudley Cacciatori
  • Current Credit: loans.hit.utils.Fico@50040f0c
  • Current City: Boston
  • State: Massachusetts
  • Zip code: 2219
  • Yearly income: $44,000
  • Current Job: dental hygienist
  • Current County: Suffolk
  • Goal Yearly Income: $116,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $9000

Dudley has a sad current total income, but has several of prospects

Dudley has always wanted to be an agricultural technician, but would have to attend George Washington University again to become one. Dudley has other possibilities as well, including retail inventory control analyst, english language and literature professor, and educational psychologist, which pay $59,000 through to $94,000 per year, at least. Because of this, we think that Dudley can afford this consolidation loan of $96000.

Dudley was declined by Northeast National Bank 6 times prior to being accepted by Fidelity Personal Trust Company, FSB at 245 Summer Street, 2nd Floor

On January 31, 2009, Dudley applied about borrowing $16,000 from United States Trust Company with Monet, their friend from just outside Boston, and even with the co-signer, Dudley was rejected for this consolidation loan. With fair credit, it can be challenging to procure funding, even with collateral and a co-signer.

Dudley’s Transunion score was altered by the consolidation loan loan, changing to 491 from 504, which is typical in our experience.

Transunion Score: 491

Signature Loan found in Boston, Massachusetts for $96000 with fair credit by Dudley

Many prospective borrowers struggle with obtaining signature loans in Boston, Massachusetts, and Dudley is the same. Dudley went to 5 lending institutions or more prior to settling on Fidelity Personal Trust Company, FSB, who offered Dudley a signature loan for $96000. Most signature loans simply require a client, like Dudley’s signature to obtain them, up to $23,000 in some cases. Dudley was able to get $96000 as a consolidation loan, which is very high for a consolidation loan. Since signature loans do not require collateral, these loans generally require better credit, as high as 744

Installment loan for Dudley, a graduate of George Washington University and a dental hygienist working for over $72,000 per year

Dudley, an alumnus at George Washington University and a dental hygienist in Boston, Massachusetts wants a consolidation loan to purchase a car. Dudley has instead decided to get an installment loan for $17,000 and is at present seeking lenders like The Beverly National Bank to provide it.

Fast Loans for Dudley in Boston, Massachusetts to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Boston, Massachusetts aren’t actually that difficult to obtain, especially if you have some gumption like Dudley. Dudley was able to find a fast loan for $96000 from The Buzzards Bay National Bank and Eastern Bank and Trust Company, but turned down both offers in favor of their consolidation loan from Fidelity Personal Trust Company, FSB. The difference with a fast loan over a debt consolidation loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 7 weeks for debt consolidation loans. A big difference if you are on the go.

Personal Loan for a dental hygienist named Dudley in Boston, Massachusetts to Pay Off Choice Privileges Visa Signature Card

Dudley had a lot of credit card debt on their Toys ‘R Us Platinum Mastercard and their SunTrust Cash Rewards, and they were starting to get in over their heads. Despite Dudley’s job as a dental hygienist, they struggled to make payments on the $23,000.00 credit card balance, badly needing assistance in the form of a personal loan.

When Dudley was 20, they attempted to obtain a student loan from 5 alternate banks, which damaged their credit rating. Below is a list of Dudley’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $20,000.00 on August 22, 2012
  • Attempt 2) Loan for $39,000.00 on November 13, 2011
  • Attempt 3) Loan for $35,000.00 on January 5, 2009
  • Attempt 4) Loan for $38,000.00 on November 6, 2011
  • Attempt 5) Loan for $36,000.00 on January 15, 2012

Dudley’s Overall FICO score at the time of acceptance for a consolidation loan, taking into account their dental hygienist job and their future career as an agricultural technician

Fico Score: 504

Previous requests on Dudley’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$133360.00 4 8.7% $3299.7 State Street Bank and Trust Company May 7, 2011
$133190.00 6 7.3% $2289.99 United States Trust Company January 18, 2012
$133130.00 4 5.4% $3090.07 BayBank Harvard Trust Company September 10, 2012
$133150.00 4 6.5% $3157.65 Durfee Attleboro Bank April 28, 2014
$132810.00 10 10.8% $1814.45 Bank of New England – North Shore May 28, 2015

Paraphrased and Standardized Quote from Dudley for this consolidation loan of $96000, provided by Fidelity Personal Trust Company, FSB

Hi, I am Dudley and my hometown is Boston in Massachusetts. Suffolk, county is where I grew up, and now I need a consolidation loan in Massachusetts for $96000 to avoid bankruptcy. It has been difficult, but Fidelity Personal Trust Company, FSB really came through for me with this loan for 5.6% interest APR and a term of 8 years. I can probably repay the loan over the 8 year term, including interest. A big thanks to Fidelity Personal Trust Company, FSB for trusting me and my fair credit. It look me 5 years to build my credit to 504, and I won’t tarnish it any future. I am happy with Find Texas Loans for helping me this far.

Debt Consolidation Can Help Any Highly Indebted Borrower to Escape Bad Debts like Credit Card Debt

Average debt consolidation loans vary from $21,000.00 to $51,000.00. They are typically used to pay off existing high interest loans like credit cards. Dudley needed a debt consolidation loan to pay for their existing consolidation loan and their credit card. Dudley was able to find a consolidation loan in the end. Debt consolidation, or simply consolidation, is a technique in the debt snowball method which converts your dirty, catastrophically high interest loans to a single lower interest loan. Debt consolidation loans usually have interest rates that are low, like 4.1%.

6 Months Ago, Dudley Tried Finding a High Risk Loan for $20,000.00, but They Didn’t Find What They were Expecting

There is an existing struggle for borrowers to find high risk loans in a safe way. Many high risk loans end up coming from loan sharks or similar lenders, which can be frightening to borrowers like Dudley. Dudley chose not to obtain a high risk loan this time. High Risk loans are the instrument of choice, and are given to bad credit clients. Individuals with credit scores as low as 487 can apply for a high risk loan and may be be accepted.

Conclusion of Dudley’s consolidation loan

In the end, Dudley was able to find a consolidation loan for $96000 with an interest rate of 5.6% interest APR from Fidelity Personal Trust Company, FSB in Boston, Massachusetts repayable over 8 years from today.

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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