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Low Rate Private Loan For Rick In Jackson, Wyoming

$196000 Private Loan – Jackson Wyoming, Credit Score Of 362

  • Experian: 374 – The client had a terrible Experian score
  • Transunion: 343 – Rick had a terrible credit score with Transunion.
  • Equifax: Rick’s Experian score was 362, which is a terrible credit rating with the Experian scale.
Client Profile: Rick Dahood of Jackson, Wyoming
  • Full name (Changed if requested): Rick Dahood
  • Current Credit: loans.hit.utils.Fico@bebdb06
  • Current City: Jackson
  • State: Wyoming
  • Zip code: 83008
  • Yearly income: $51,000
  • Current Job: paste-up worker
  • Current County: Teton
  • Goal Yearly Income: $133,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $9000

Rick was rejected by Key Bank of Wyoming – 849 Front Street, Evanston, Wyoming 82930 5 times before being accepted by Bank of Jackson Hole at 990 West Broadway

On December 4, 2009, Rick applied about borrowing $44,000 from First State Bank of Newcastle with Yasmine, their friend from just outside Jackson, and even with the co-signer, Rick was rejected for this private loan. With terrible credit, it can be very hard to obtain financing, even with collateral and a co-signer.

Before applying for this private loan, Rick had an Experian score of 374, which is terrible, so Bank of Jackson Hole most likely cannot provide Rick a private loan

Experian Score: 374

Signature Loan easily acquired in Jackson, Wyoming for $196000 with terrible credit by Rick

Many clients have difficulty with obtaining signature loans in Jackson, Wyoming, and Rick is not an exception. Rick went to 4 lending institutions or more before settling on Bank of Jackson Hole, who offered Rick a signature loan for $196000. Most signature loans simply need a client, like Rick’s signature to obtain them, up to $27,000 in some cases. Rick was able to get $196000 as a private loan, which is very high for a private loan. Because signature loans don’t require collateral, these loans tend to need better credit, as high as 767

Rick’s Overall FICO score at the time of acceptance for a private loan, taking into account their paste-up worker job and their future career as a historical archivist

Fico Score: 362

Paraphrased and Standardized Quote from Rick for this private loan of $196000, provided by Bank of Jackson Hole

Hello, I am Rick and I’m from Jackson in Wyoming. Teton, county is where I grew up, and now I need a private loan in Wyoming for $196000 to pay bills. It wasn’t easy, but Bank of Jackson Hole really came through for me with this loan for 6.1% interest APR and a term of 22 years. I can probably repay the loan over the 22 year term, including interest. A big thanks to Bank of Jackson Hole for trusting me and my terrible credit. It look me 8 years to build my credit to 362, and I won’t tarnish it any more. I am happy with Find Texas Loans for helping me this far.

Contact Details for Bank of Jackson Hole, the provider of this private loan

  • Bank of Jackson Hole
  • City: Jackson
  • State: Wyoming
  • Address: 990 West Broadway
  • County: Teton
  • Zip code: 83002

Installment loan for Rick, a graduate of Concordia University Wisconsin and a paste-up worker working for over $79,000 per year

Rick, an alumnus at Concordia University Wisconsin and a paste-up worker in Jackson, Wyoming needs a private loan to purchase something frivolous. Rick has instead chosen to obtain an installment loan for $27,000 and is currently seeking lenders like First Bank of Wyoming to process their request.

Rick has a disappointing current yearly income, but has several of prospects

Rick has always wanted to be a historical archivist, but would need attend Concordia University Wisconsin again to become one. Rick has other prospects as well, including personnel administrator, military analyst, and insulation installer, which pay $56,000 through to $103,000 per year, on average. For this reason, we believe that Rick can afford this private loan of $196000.

Fast Loans for Rick in Jackson, Wyoming to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Jackson, Wyoming aren’t actually that difficult to obtain, particularly if you have some gumption like Rick. Rick was able to find a fast loan for $196000 from Norwest Bank Wyoming Wheatland, National Association and First Interstate Bank, but turned down both offers in favor of their private loan from Bank of Jackson Hole. The improvement with a fast loan over a installment loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 5 weeks for personal loans. Much better if a client is on the go.

6 Months Ago, Rick Tried to Find a High Risk Loan for $48,000.00, and it was Easy

There is an ongoing struggle for borrowers to get high risk loans in a safe manner. Many high risk loans end up originating loan sharks or similar lenders, which can be scary to borrowers like Rick. Rick chose not to obtain a high risk loan this time. High Risk loans are generally given by lenders to bad credit borrowers. Individuals with credit ratings as low as 373 can apply for a high risk loan and have a chance to be accepted.

Multiple other requests for credit have been made by Rick in the past, including one from The Stock Exchange Bank, Caldwell, Kansas in Jackson, Wyoming before Rick was accepted for the $196000 by Bank of Jackson Hole

Rick made 4 previous attempts to obtain a private loan, 2 of which were with The Stock Exchange Bank, Caldwell, Kansas, a lending institution in Jackson, Wyoming known to specialize in private loans specifically. Prior to finding Bank of Jackson Hole, Rick was very concerned due to their inexperience and terrible credit score.

Personal Loan for a paste-up worker named Rick in Jackson, Wyoming to Pay Off Tampa Bay Rays BankAmericard Cash Rewards MasterCard

Rick had a lot of credit card debt on their Apple Bank for Savings and their Merrick Bank Secured Visa Card, and they were starting to get in over their heads. Despite Rick’s job as a paste-up worker, they struggled to make payments on the $26,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

When Rick was 19, they tried to obtain a student loan from 7 different lenders, which harmed their credit score. Below is a chronology of Rick’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $26,000.00 on July 30, 2013
  • Attempt 2) Loan for $33,000.00 on August 23, 2011
  • Attempt 3) Loan for $23,000.00 on December 8, 2009
  • Attempt 4) Loan for $34,000.00 on May 23, 2011
  • Attempt 5) Loan for $23,000.00 on August 22, 2009
  • Attempt 6) Loan for $27,000.00 on November 14, 2011
  • Attempt 7) Loan for $38,000.00 on February 8, 2010

Debt Consolidation Will Assist Any Highly Indebted Borrower to Escape Bad Debts like Payday Loans

Average debt consolidation loans range from $35,000.00 to $50,000.00. They are mainly used to pay off existing high interest loans like credit cards. Rick required a debt consolidation loan to pay for their existing private loan and their payday loan. Rick was able to find a private loan in the end. Debt consolidation, or just consolidation, is a tactic in the strategic borrowing method which changes your bad, high interest loans to one reduced interest loan. Debt consolidation loans usually have interest rates that are low, like 3.1%.

Rick’s Transunion score was changed by the private loan loan, changing to 343 from 362, which is typical in our experience.

Transunion Score: 343

Previous requests on Rick’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$137740.00 8 10.1% $2097.38 The Jackson State Bank December 28, 2011
$138190.00 11 10.7% $1785.31 FirsTier Bank, Wyoming December 18, 2012
$137900.00 3 8.5% $4353.16 First Interstate Bank July 26, 2013
$137610.00 11 11.1% $1809.62 Saratoga State Bank November 25, 2014
$138460.00 9 6.4% $1689.84 Farmers State Bank November 28, 2014

Conclusion of Rick’s private loan

In the end, Rick was able to find a private loan for $196000 with an interest rate of 8.1% interest APR from Bank of Jackson Hole in Jackson, Wyoming repayable over 22 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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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.