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Clinton Disque’s Consolidation Loan For 66000 Dollars In San Francisco California

$66000 Consolidation Loan – San Francisco California, Credit Score Of 591

  • Experian: 603 – This individual had a fair Experian score
  • Transunion: 572 – Clinton had a fair credit rating with Transunion.
  • Equifax: Clinton’s Experian score was 591, which is a fair credit rating with the Experian rating scheme.

6 Months Ago, Clinton Attempted to Find a High Risk Loan for $32,000.00, and it was Easy

There is an well known struggle for borrowers to find high risk loans in a non-harmful manner. a lot of high risk loans end up coming from loan sharks or the like, which can be frightening to borrowers like Clinton. Clinton decided not to obtain a high risk loan this time. High Risk loans are generally given by lenders to very low credit clients. Clients with credit scores as low as 395 can inquire for a high risk loan and have a chance to be accepted.

Clinton’s Transunion score was altered by the consolidation loan loan, changing to 572 from 591, which is normal in our experience.

Transunion Score: 572

When Clinton was 20, they tried to obtain a student loan from 6 alternate lenders, which harmed their credit score. Below is a chronology of Clinton’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $33,000.00 on November 7, 2010
  • Attempt 2) Loan for $34,000.00 on July 6, 2009
  • Attempt 3) Loan for $36,000.00 on December 11, 2011
  • Attempt 4) Loan for $21,000.00 on March 22, 2011
  • Attempt 5) Loan for $27,000.00 on November 15, 2011
  • Attempt 6) Loan for $31,000.00 on August 21, 2009

Clinton was declined by First Trust Bank 4 times prior to being accepted by The Hibernia Bank at 201 California Street

On January 4, 2012, Clinton applied about borrowing $3,000 from U.S. Bank of California with Jeanne, their in law from just outside San Francisco, and even with the co-signer, Clinton was rejected for this consolidation loan. With fair credit, it can be very hard to procure funding, even with collateral and a co-signer.

Several previous requests for credit have been made by Clinton in the past, including one from The First State Bank of Miami in San Francisco, California before Clinton was approved for the $66000 by The Hibernia Bank

Clinton made 9 prior attempts to obtain a consolidation loan, 2 of which were with The First State Bank of Miami, a lending institution in San Francisco, California known to specialize in consolidation loans specifically. Prior to finding The Hibernia Bank, Clinton was very concerned due to their inexperience and fair credit rating.

Contact Details for The Hibernia Bank, the provider of this consolidation loan

  • The Hibernia Bank
  • City: San Francisco
  • State: California
  • Address: 201 California Street
  • County: San Francisco
  • Zip code: 94111

Personal Loan for an utility meter reader named Clinton in San Francisco, California to Pay Off Philadelphia Phillies BankAmericard Cash Rewards MasterCard

Clinton had a lot of credit card debt on their Union State Bank Credit Cards and their Gymboree Visa Platinum Credit Card, and they were starting to get in over their heads. Despite Clinton’s job as an utility meter reader, they struggled to make payments on the $28,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Signature Loan acquired in San Francisco, California for $66000 with fair credit by Clinton

Many prospective borrowers struggle with obtaining signature loans in San Francisco, California, and Clinton is no different. Clinton went to 6 lenders or more prior to settling on The Hibernia Bank, who offered Clinton a signature loan for $66000. Typical signature loans simply require a client, like Clinton’s signature to get them, up to $38,000 in some cases. Clinton was able to get $66000 as a consolidation loan, which is very high for a consolidation loan. Because signature loans don’t require a cosigner, these loans generally require better credit, as high as 739

Before applying for this consolidation loan, Clinton had an Experian score of 603, which is fair, so The Hibernia Bank probably can provide Clinton a consolidation loan

Experian Score: 603

Clinton’s Overall FICO score at the time of acceptance for a consolidation loan, taking into account their utility meter reader job and their future career as a fund raiser

Fico Score: 591

Client Profile: Clinton Disque of San Francisco, California
  • Full name (Changed if requested): Clinton Disque
  • Current Credit: loans.hit.utils.Fico@5b37e0d2
  • Current City: San Francisco
  • State: California
  • Zip code: 94120
  • Yearly income: $58,000
  • Current Job: utility meter reader
  • Current County: San Francisco
  • Goal Yearly Income: $137,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $6000

Previous requests on Clinton’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$48650.00 5 9.2% $1014.62 Santa Monica Bank December 28, 2008
$49110.00 9 5.2% $570.36 Farmers and Merchants Bank of Long Beach March 23, 2012
$48840.00 8 10.1% $743.69 First Interstate Bank of California August 14, 2012
$48750.00 8 6.4% $650.18 Union Bank September 29, 2014
$49350.00 8 11.1% $777.88 Citizens Commercial Trust and Savings Bank of Pasadena November 10, 2014

Debt Consolidation Can Assist Most Highly Indebted Borrower to Escape Bad Debts like Loan Sharks

Average debt consolidation loans range from $32,000.00 to $51,000.00. They are typically used to pay off existing high interest loans like credit cards. Clinton required a debt consolidation loan to pay for their existing consolidation loan and their credit card. Clinton was able to find a consolidation loan in the end. Debt consolidation, or simply consolidation, is a tactic in the strategic borrowing method which converts your dirty, catastrophically high interest loans to a single lower interest loan. Debt consolidation loans generally have interest rates that are low, like 3.4%.

Clinton has a low current total income, but has a large amount of prospects

Clinton has always wanted to be a fund raiser, but would have to attend Brooks College again to become one. Clinton has other prospects as well, including sales representatives, medical administrative assistant, and administrative service manager, which pay $54,000 through to $90,000 per year, at least. Because of this, we think that Clinton can afford this consolidation loan of $66000.

Paraphrased and Standardized Quote from Clinton for this consolidation loan of $66000, provided by The Hibernia Bank

Hi, I am Clinton and my hometown is San Francisco in California. San Francisco, county is where I grew up, and now I need a consolidation loan in California for $66000 to pay bills. It wasn’t easy, but The Hibernia Bank really came through for me with this loan for 6.0% interest APR and a term of 1 years. I can repay the loan over the 1 year term, including interest. A big thanks to The Hibernia Bank for trusting me and my fair credit. It look me 5 years to build my credit to 591, and I won’t tarnish it any more. I’m pleased with Find Texas Loans for helping me this far.

Fast Loans for Clinton in San Francisco, California to prevent bankruptcy or bodily harm from debt collectors.

Fast loans in San Francisco, California aren’t actually that difficult to obtain, particularly if you have some gumption like Clinton. Clinton was able to find a fast loan for $66000 from Beverly Hills National Bank and United States National Bank, but turned down both offers in favor of their consolidation loan from The Hibernia Bank. The improvement with a fast loan over a debt consolidation loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 7 weeks for installment loans. Much better in the case that you are on the go.

Installment loan for Clinton, a graduate of Brooks College and an utility meter reader working for over $70,000 per year

Clinton, an alumnus at Brooks College and an utility meter reader in San Francisco, California needs a consolidation loan to purchase something frivolous. Clinton has instead chosen to obtain an installment loan for $23,000 and is at present seeking lenders like Wells Fargo Bank, National Association to provide it.

Conclusion of Clinton’s consolidation loan

In the end, Clinton was able to find a consolidation loan for $66000 with an interest rate of 5.4% interest APR from The Hibernia Bank in San Francisco, California repayable over 1 years from now.

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.