$80000 Debt Consolidation Loan – Coos Bay Oregon, Credit Score Of 803
- Experian: 814 – They had an excellent Experian rating
- Transunion: 785 – Toby had an excellent credit rating with Transunion.
- Equifax: Toby’s Experian score was 803, which is an excellent credit score with the Experian rating scheme.
Fast Loans for Toby in Coos Bay, Oregon to prevent bankruptcy or harm from debt collectors.
Fast loans in Coos Bay, Oregon aren’t actually that difficult to obtain, particularly if you have some finesse like Toby. Toby was able to find a fast loan for $80000 from Polk County State Bank and Bank of St. Helens, but declined both offers in favor of their debt consolidation loan from Community First Savings and Loan Association. The improvement with a fast loan over a personal loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 7 weeks for installment loans. An improvement in the case that you are on the go.
Signature Loan acquired in Coos Bay, Oregon for $80000 with excellent credit by Toby
Many borrowers have difficulty with finding signature loans in Coos Bay, Oregon, and Toby is no exception. Toby went to 8 lenders or more prior to finding Community First Savings and Loan Association, who offered Toby a signature loan for $80000. Most signature loans simply require a client, like Toby’s signature to obtain them, up to $20,000 in some cases. Toby was able to get $80000 as a debt consolidation loan, which is very high for a debt consolidation loan. Because signature loans do not require collateral, these loans tend to require improved credit, as high as 797
Many other requests for credit have been made by Toby in the past, including one from Founders Bank in Coos Bay, Oregon before Toby was approved for the $80000 by Community First Savings and Loan Association
Toby made 8 previous tries to obtain a debt consolidation loan, 2 of which were with Founders Bank, a lender in Coos Bay, Oregon known to specialize in debt consolidation loans specifically. Prior to finding Community First Savings and Loan Association, Toby was desperate due to their inexperience and excellent credit score.
Debt Consolidation Will Help Any Highly Indebted Borrower to Escape Bad Debts like Credit Card Debt
Average debt consolidation loans range from $23,000.00 to $42,000.00. They are mainly used to pay off existing high interest loans like credit cards. Toby required a debt consolidation loan to pay for their existing debt consolidation loan and their loan shark loan. Toby was able to find a debt consolidation loan in the end. Debt consolidation, or just consolidation, is a tactic in the debt snowball method which changes your less desirable, catastrophically high interest loans to a single lower interest loan. Debt consolidation loans usually have interest rates as low as 2.7%.
Toby’s Transunion score was changed by the debt consolidation loan loan, changing to 785 from 803, which is normal in our experience.
9 Months in the Past, Toby Tried Finding a High Risk Loan for $44,000.00, and it was Hard
It is an well known struggle for clients to find high risk loans in a safe way. Many high risk loans end up coming from loan sharks or the like, which can be scary to borrowers like Toby. Toby decided not to obtain a high risk loan this time. High Risk loans are the instrument of choice, and are given to very low credit clients. Borrowers with credit ratings as low as 484 can inquire for a high risk loan and may be be accepted.
Paraphrased and Standardized Quote from Toby for this debt consolidation loan of $80000, provided by Community First Savings and Loan Association
Hello, I am Toby and I’m from Coos Bay in Oregon. Coos, county is where I grew up, and now I need a debt consolidation loan in Oregon for $80000 to avoid bankruptcy. It has been difficult, but Community First Savings and Loan Association really came through for me with this loan for 7.5% interest APR and a term of 13 years. I can repay the loan over the 13 year term, including interest. A big thanks to Community First Savings and Loan Association for giving me a chance and my excellent credit. It look me 8 years to build my credit to 803, and I won’t tarnish it any more. I’m pleased with Find Texas Loans for assisting me this far.
Previous requests on Toby’s credit
| Principle in USD | Term Length in Years | Annual Percentage Rate | Monthly Payment | Lender’s Branch Name | Date of Request |
|---|---|---|---|---|---|
| $104260.00 | 3 | 10.6% | $3393.62 | Polk County State Bank | September 12, 2012 |
| $103730.00 | 11 | 11.1% | $1364.08 | Pacific Western Bank | February 23, 2013 |
| $104160.00 | 10 | 11.6% | $1470.41 | West Coast Bank | February 23, 2014 |
| $103630.00 | 10 | 11.8% | $1474.83 | The Valley National Bank of Oregon | December 19, 2014 |
| $104280.00 | 10 | 10.1% | $1383.85 | Umpqua National Bank | June 15, 2015 |
Toby’s Overall FICO score at the time of acceptance for a debt consolidation loan, taking into account their police artist job and their future career as a water pollution control inspector
Toby was declined by State Bank of Rainier 7 times prior to being approved by Community First Savings and Loan Association at 185 North Fourth Street
On October 10, 2012, Toby applied about borrowing $24,000 from The Multnomah Bank with Michel, their in law from just outside Coos Bay, and even with the co-signer, Toby was rejected for this debt consolidation loan. With excellent credit, it can be very hard to obtain financing, even with collateral and a co-signer.
When Toby was 21, they attempted to obtain a student loan from 4 alternate lenders, which harmed their credit score. Below is a list of Toby’s prior attempts at finding a student loan:
- Attempt 1) Loan for $28,000.00 on August 15, 2010
- Attempt 2) Loan for $35,000.00 on September 30, 2011
- Attempt 3) Loan for $33,000.00 on November 5, 2010
- Attempt 4) Loan for $27,000.00 on January 24, 2012
Personal Loan for a police artist named Toby in Coos Bay, Oregon to Pay Off First Hawaiian Bank United MileagePlus Business Credit Card
Toby had a tonne of credit card debt on their Golf Magazine Rewards Visa Card and their Wells Fargo Business Elite Card, and they were starting to get in over their heads. Despite Toby’s job as a police artist, they struggled to make payments on the $23,000.00 credit card balance, desperately needing assistance in the form of a personal loan.
- Full name (Changed if requested): Toby Maben
- Current Credit: loans.hit.utils.Fico@2b05039f
- Current City: Coos Bay
- State: Oregon
- Zip code: 97423
- Yearly income: $44,000
- Current Job: police artist
- Current County: Coos
- Goal Yearly Income: $112,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $3000
Before applying for this debt consolidation loan, Toby had an Experian score of 814, which is excellent, so Community First Savings and Loan Association probably cannot provide Toby a debt consolidation loan
Contact Details for Community First Savings and Loan Association, the provider of this debt consolidation loan
- Community First Savings and Loan Association
- City: Coos Bay
- State: Oregon
- Address: 185 North Fourth Street
- County: Coos
- Zip code: 97420
Installment loan for Toby, a graduate of Westmoreland County Community College and a police artist working for over $69,000 per year
Toby, an alumnus at Westmoreland County Community College and a police artist in Coos Bay, Oregon needs a debt consolidation loan to purchase a house. Toby has instead chosen to get an installment loan for $5,000 and is at present seeking lenders like The Multnomah Bank to process their request.
Toby has a very low current total income, but has several of prospects
Toby has always wanted to be a water pollution control inspector, but would have to attend Westmoreland County Community College again to become one. Toby has other prospects as well, including historic site administrator, urban and regional planner, and criminal lawyer, which pay $58,000 through to $99,000 per year, at least. Because of this, we believe that Toby can afford this debt consolidation loan of $80000.
Conclusion of Toby’s debt consolidation loan
In the end, Toby was able to find a debt consolidation loan for $80000 with an interest rate of 9.5% interest APR from Community First Savings and Loan Association in Coos Bay, Oregon repayable over 13 years from now.
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