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Consolidation Loan Of $94000 For Terrible Credit Texas Resident

$94000 Consolidation Loan – Bryan Texas, Credit Score Of 302

  • Experian: 319 – This client had a terrible Experian rating
  • Transunion: 289 – Wonda had a terrible credit score with Transunion.
  • Equifax: Wonda’s Experian score was 302, which is a terrible credit rating with the Experian system.

Previous requests on Wonda’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$110630.00 9 8.1% $1446.0 Comerica Bank September 18, 2011
$110530.00 4 9.5% $2776.86 First Star Bank, S.S.B. March 30, 2012
$111200.00 9 8.5% $1476.66 Brownfield State Bank & Trust Co. October 22, 2013
$111300.00 6 6.1% $1849.82 First Bank & Trust, Bryan, Texas December 26, 2014
$110850.00 8 5.8% $1445.96 First Bank & Trust of Clarendon March 28, 2015

Wonda’s Transunion score was altered by the consolidation loan loan, changing to 289 from 302, which is typical in our experience.

Transunion Score: 289

Signature Loan easily acquired in Bryan, Texas for $94000 with terrible credit by Wonda

A lot of borrowers have difficulty with obtaining signature loans in Bryan, Texas, and Wonda is no exception. Wonda went to 5 lenders or more before finding Citizens Bank, who offered Wonda a signature loan for $94000. Most signature loans simply require a client, like Wonda’s signature to obtain them, up to $39,000 in some cases. Wonda was able to get $94000 as a consolidation loan, which is very high for a consolidation loan. Because signature loans don’t need collateral, these loans tend to need improved credit, as high as 721

Contact Details for Citizens Bank, the provider of this consolidation loan

  • Citizens Bank
  • City: Bryan
  • State: Texas
  • Address: 1200 Briarcrest Drive
  • County: Brazos
  • Zip code: 77801

Personal Loan for a radio & tv program director named Wonda in Bryan, Texas to Pay Off BankAmericard Travel Rewards for Students

Wonda had a lot of credit card debt on their KJAZZ Visa Card and their M&T Bank Visa Business Card, and they were starting to get in over their heads. Despite Wonda’s job as a radio & tv program director, they struggled to make payments on the $23,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Before applying for this consolidation loan, Wonda had an Experian score of 319, which is terrible, so Citizens Bank likely cannot provide Wonda a consolidation loan

Experian Score: 319

Wonda was not approved by Silsbee State Bank 6 times before being granted funding by Citizens Bank at 1200 Briarcrest Drive

On November 15, 2011, Wonda inquired about borrowing $28,000 from Texas Commerce Bank – Rio Grande Valley, National Association with Lenita, their friend from just outside Bryan, and even with the co-signer, Wonda was rejected for this consolidation loan. With terrible credit, it can be challenging to procure funding, even with collateral and a co-signer.

When Wonda was 20, they attempted to obtain a student loan from 5 different banks, which damaged their credit score. Below is a chronology of Wonda’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $31,000.00 on June 15, 2009
  • Attempt 2) Loan for $23,000.00 on August 16, 2009
  • Attempt 3) Loan for $23,000.00 on October 24, 2012
  • Attempt 4) Loan for $27,000.00 on September 18, 2010
  • Attempt 5) Loan for $25,000.00 on July 21, 2009
Client Profile: Wonda Schiaffino of Bryan, Texas
  • Full name (Changed if requested): Wonda Schiaffino
  • Current Credit: loans.hit.utils.Fico@7106e68e
  • Current City: Bryan
  • State: Texas
  • Zip code: 77804
  • Yearly income: $33,000
  • Current Job: radio & tv program director
  • Current County: Brazos
  • Goal Yearly Income: $80,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $0

Wonda has a very low current yearly income, but has a large amount of prospects

Wonda has always wanted to be a credit analyst, but would need attend Cape Cod Community College again to become one. Wonda has other possibilities as well, including publications editor, artillery and missile crew member, and gynecologist, which pay $51,000 through to $108,000 per year, at least. Because of this, we believe that Wonda can pay for this consolidation loan of $94000.

Wonda’s Overall FICO score at the time of acceptance for a consolidation loan, taking into account their radio & tv program director job and their future job as a credit analyst

Fico Score: 302

Installment loan for Wonda, a graduate of Cape Cod Community College and a radio & tv program director working for over $69,000 per year

Wonda, an alumnus at Cape Cod Community College and a radio & tv program director in Bryan, Texas wants a consolidation loan to purchase something frivolous. Wonda has instead chosen to obtain an installment loan for $15,000 and is at present seeking lenders like Eden State Bank to process their request.

Multiple past requests for credit have been made by Wonda in the past, including one from Community Bank, National Association in Bryan, Texas before Wonda was accepted for the $94000 by Citizens Bank

Wonda made 6 previous attempts to obtain a consolidation loan, 2 of which were with Community Bank, National Association, a lender in Bryan, Texas known to specialize in consolidation loans specifically. Prior to finding Citizens Bank, Wonda was desperate due to their inexperience and terrible credit rating.

Paraphrased and Standardized Quote from Wonda for this consolidation loan of $94000, provided by Citizens Bank

Hi, I am Wonda and I am from Bryan in Texas. Brazos, county is where I grew up, and now I need a consolidation loan in Texas for $94000 to avoid bankruptcy. It wasn’t easy, but Citizens Bank really came through for me with this loan for 9.1% interest APR and a term of 19 years. I will repay the loan over the 19 year term, including interest. A big thanks to Citizens Bank for trusting me and my terrible credit. It look me 6 years to create my credit to 302, and I won’t tarnish it any more. I’m happy with Find Texas Loans for helping me this far.

Debt Consolidation Will Help Most Highly Indebted Borrower to Escape Bad Debts like Credit Card Debt

Most debt consolidation loans vary from $31,000.00 to $52,000.00. They are mainly used to pay off existing high interest loans like credit cards. Wonda required a debt consolidation loan to pay for their existing consolidation loan and their payday loan. Wonda was able to find a consolidation loan in the end. Debt consolidation, or just consolidation, is a technique in the strategic borrowing method which transfers your dirty, high interest loans to a single lower interest loan. Debt consolidation loans usually have interest rates as low as 3.0%.

Fast Loans for Wonda in Bryan, Texas to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Bryan, Texas aren’t actually that difficult to obtain, especially if you have some gumption like Wonda. Wonda was able to find a fast loan for $94000 from Comerica Bank and First RepublicBank Clifton, but turned down both offers in favor of their consolidation loan from Citizens Bank. 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 debt consolidation loans. A big difference in the case that you are in a pinch.

7 Months Ago, Wonda Attempted to Find a High Risk Loan for $41,000.00, and it was Hard

There is an existing struggle for clients to get high risk loans in a non-harmful way. a lot of high risk loans end up coming from loan sharks or similar lenders, which can be scary to borrowers like Wonda. Wonda decided not to obtain a high risk loan this time. High Risk loans are the instrument of choice, and are given to bad credit clients. Clients with credit scores as low as 597 can inquire for a high risk loan and possibly can be accepted.

Conclusion of Wonda’s consolidation loan

In the end, Wonda was able to find a consolidation loan for $94000 with an interest rate of 8.6% interest APR from Citizens Bank in Bryan, Texas repayable over 19 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.