$176000 Debt Consolidation Loan – St. Joseph Missouri, Credit Rating Of 675
- Experian: 687 – The client had a good Experian rating
- Transunion: 657 – Krystina had a good credit score with Transunion.
- Equifax: Krystina’s Experian score was 675, which is a good credit rating on the Experian scale.
Previous requests on Krystina’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$64790.00||7||11.8%||$1136.8||Camden County Bank||August 22, 2013|
|$65310.00||8||7.5%||$906.76||Glasgow Savings Bank||January 18, 2015|
|$65490.00||7||8.1%||$1024.01||Central Bank||March 29, 2015|
|$64760.00||4||5.1%||$1494.31||Midwest BankCentre||July 19, 2015|
|$65180.00||5||9.6%||$1372.09||Commerce Bank of Richmond Heights||September 14, 2015|
Contact Details for The Heritage Bank of St. Joseph, the provider of this debt consolidation loan
- The Heritage Bank of St. Joseph
- City: St. Joseph
- State: Missouri
- Address: 1701 South Belt Highway
- County: Buchanan
- Zip code: 64507
Before applying for this debt consolidation loan, Krystina had an Experian score of 687, which is good, so The Heritage Bank of St. Joseph likely cannot provide Krystina a debt consolidation loan
Several past requests for credit have been made by Krystina in the past, including one from United Carolina Bank in St. Joseph, Missouri before Krystina was approved for the $176000 by The Heritage Bank of St. Joseph
Krystina made 5 prior attempts to obtain a debt consolidation loan, 2 of which were with United Carolina Bank, a bank in St. Joseph, Missouri known to specialize in debt consolidation loans specifically. Prior to finding The Heritage Bank of St. Joseph, Krystina was very concerned due to their inexperience and good credit rating.
Krystina’s Overall FICO score at the time of acceptance for a debt consolidation loan, taking into account their petroleum refinery operator job and their future job as a meter mechanic
Krystina was rejected by Mercantile Bank National Association 7 times before being approved by The Heritage Bank of St. Joseph at 1701 South Belt Highway
On April 28, 2013, Krystina inquired about borrowing $32,000 from Wood & Huston Bank with Daniele, their friend from just outside St. Joseph, and even with the co-signer, Krystina was rejected for this debt consolidation loan. With good credit, it can be difficult to obtain financing, even with collateral and a co-signer.
Fast Loans for Krystina in St. Joseph, Missouri to prevent bankruptcy or harm from debt collectors.
Fast loans in St. Joseph, Missouri aren’t actually that difficult to obtain, particularly if you have some finesse like Krystina. Krystina was able to find a fast loan for $176000 from Camden County Bank and Wood & Huston Bank, but turned down both offers in favor of their debt consolidation loan from The Heritage Bank of St. Joseph. The difference with a fast loan over a personal loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 6 weeks for debt consolidation loans. A big difference if a client is on the go.
Paraphrased and Standardized Quote from Krystina for this debt consolidation loan of $176000, provided by The Heritage Bank of St. Joseph
Hello, I am Krystina and my hometown is St. Joseph in Missouri. Buchanan, county is where I grew up, and now I need a debt consolidation loan in Missouri for $176000 to buy a big ticket item. It wasn’t easy, but The Heritage Bank of St. Joseph really came through for me with this loan for 7.7% 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 The Heritage Bank of St. Joseph for trusting me and my good credit. It look me 8 years to build my credit to 675, and I won’t harm it any more. I am happy with Find Texas Loans for assisting me this far.
When Krystina was 21, they tried to obtain a student loan from 4 alternate banks, which harmed their credit score. Below is a chronology of Krystina’s previous attempts at finding a student loan:
- Attempt 1) Loan for $23,000.00 on January 3, 2012
- Attempt 2) Loan for $20,000.00 on June 22, 2010
- Attempt 3) Loan for $20,000.00 on December 5, 2009
- Attempt 4) Loan for $28,000.00 on April 11, 2011
- Full name (Changed if requested): Krystina Herling
- Current Credit: loans.hit.utils.Fico@3f8f9dd6
- Current City: St. Joseph
- State: Missouri
- Zip code: 64516
- Yearly income: $66,000
- Current Job: petroleum refinery operator
- Current County: Buchanan
- Goal Yearly Income: $101,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $0
Signature Loan acquired in St. Joseph, Missouri for $176000 with good credit by Krystina
Many prospective borrowers have difficulty with obtaining signature loans in St. Joseph, Missouri, and Krystina is no exception. Krystina went to 4 lenders or more before finding The Heritage Bank of St. Joseph, who offered Krystina a signature loan for $176000. Most signature loans simply need a client, like Krystina’s signature to obtain them, up to $22,000 in some cases. Krystina was able to get $176000 as a debt consolidation loan, which is very high for a debt consolidation loan. Because signature loans don’t need collateral, they generally require improved credit, as high as 722
Personal Loan for a petroleum refinery operator named Krystina in St. Joseph, Missouri to Pay Off Korean Air SKYPASS Visa Secured Card
Krystina had a tonne of credit card debt on their Popular Community Bank Platinum MasterCard and their WSFS Bank WorldPoints Visa, and they were starting to get in over their heads. Despite Krystina’s job as a petroleum refinery operator, they struggled to make payments on the $25,000.00 credit card balance, desperately needing assistance in the form of a personal loan.
Krystina has a sad current gross income, but has a large amount of prospects
Krystina has always wanted to be a meter mechanic, but would have to attend Southeastern College again to achieve it. Krystina has other possibilities as well, including civil engineering technician, administrative assistant, and hand and portable tool mechanic, which pay $51,000 through to $107,000 per year, on average. For this reason, we think that Krystina can afford this debt consolidation loan of $176000.
8 Months in the Past, Krystina Attempted to Find a High Risk Loan for $38,000.00, and it was Easy
There is an existing struggle for clients to get high risk loans in a non-harmful way. Many high risk loans end up coming from loan sharks or similar lenders, which can be physically harmful to borrowers like Krystina. Krystina decided not to get a high risk loan this time. High Risk loans are the instrument of choice, and are given to bad credit individuals. Individuals with credit ratings as low as 597 can inquire for a high risk loan and possibly can be accepted.
Krystina’s Transunion score was altered by the debt consolidation loan loan, changing to 657 from 675, which is typical in our experience.
Debt Consolidation Will Assist Any Highly Indebted Borrower to Escape Bad Debts like Loan Sharks
Normal debt consolidation loans vary from $32,000.00 to $53,000.00. They are normally used to pay off existing high interest loans like credit cards. Krystina needed a debt consolidation loan to pay for their existing debt consolidation loan and their payday loan. Krystina was able to find a debt consolidation loan in the end. Debt consolidation, or just consolidation, is a technique in the debt snowball method which transfers your bad, catastrophically high interest loans to one reduced interest loan. Debt consolidation loans generally have interest rates as low as 3.2%.
Installment loan for Krystina, a graduate of Southeastern College and a petroleum refinery operator working for over $65,000 per year
Krystina, an alumnus at Southeastern College and a petroleum refinery operator in St. Joseph, Missouri wants a debt consolidation loan to purchase a new cell phone. Krystina has instead chosen to get an installment loan for $28,000 and is currently seeking lenders like The Bank of Versailles to process their request.
Conclusion of Krystina’s debt consolidation loan
In the end, Krystina was able to find a debt consolidation loan for $176000 with an interest rate of 10.8% interest APR from The Heritage Bank of St. Joseph in St. Joseph, Missouri repayable over 14 years from today.