$3000 Signature Loan – Bloomsburg Pennsylvania, Credit Rating Of 521
- Experian: 532 – The client had a fair Experian score
- Transunion: 507 – Delaine had a fair credit rating with Transunion.
- Equifax: Delaine’s Experian score was 521, which is a fair credit score on the Experian rating scheme.
- Full name (Changed if requested): Delaine Caston
- Current Credit: loans.hit.utils.Fico@5d3411d
- Current City: Bloomsburg
- State: Pennsylvania
- Zip code: 17823
- Yearly income: $34,000
- Current Job: credit reporter
- Current County: Columbia
- Goal Yearly Income: $119,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $9000
Installment loan for Delaine, a graduate of Carousel Beauty College and a credit reporter working for over $67,000 per year
Delaine, an alumnus at Carousel Beauty College and a credit reporter in Bloomsburg, Pennsylvania wants a signature loan to purchase a house. Delaine has instead chosen to get an installment loan for $19,000 and is at present seeking lenders like Wayne Bank to process their request.
When Delaine was 21, they attempted to obtain a student loan from 4 different lenders, which harmed their credit rating. Below is a chronology of Delaine’s previous attempts at finding a student loan:
- Attempt 1) Loan for $28,000.00 on September 23, 2010
- Attempt 2) Loan for $37,000.00 on April 28, 2009
- Attempt 3) Loan for $30,000.00 on October 18, 2010
- Attempt 4) Loan for $38,000.00 on August 1, 2013
Delaine’s Transunion score was altered by the signature loan loan, changing to 507 from 521, which is typical in our experience.
Previous requests on Delaine’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$23820.00||6||11.3%||$457.06||The People’s Bank of Oxford||April 6, 2009|
|$23900.00||10||6.8%||$275.04||First Lehigh Bank||April 15, 2012|
|$23610.00||8||5.3%||$302.28||SunBank||June 4, 2013|
|$23610.00||3||8.1%||$740.94||Merchants Bank (North)||August 1, 2014|
Personal Loan for a credit reporter named Delaine in Bloomsburg, Pennsylvania to Pay Off Green Dot Prepaid MasterCard / Visa
Delaine had a lot of credit card debt on their Express Credit Card Elvis Presley Visa Platinum Rewards Card and their Levin Furniture Credit Card, and they were starting to get in over their heads. Despite Delaine’s job as a credit reporter, they struggled to make payments on the $21,000.00 credit card balance, desperately needing assistance in the form of a personal loan.
Debt Consolidation Can Assist Any Deeply Indebted Borrower to Escape Bad Debts like Loan Sharks
Most debt consolidation loans range from $20,000.00 to $43,000.00. They are mainly used to pay off existing high interest loans like credit cards. Delaine required a debt consolidation loan to pay for their existing signature loan and their credit card. Delaine was able to find a signature loan in the end. Debt consolidation, or just consolidation, is a tactic in the strategic borrowing method which transfers your bad, high interest loans to one lower interest loan. Debt consolidation loans usually have interest rates that are low, like 2.7%.
Delaine was declined by Provident National Bank 6 times before being approved by First Columbia Bank & Trust Co. at 232 East Street
On May 14, 2011, Delaine applied about borrowing $15,000 from Penn Security Bank and Trust Company with Jaquelyn, their in law from just outside Bloomsburg, and even with the co-signer, Delaine was rejected for this signature loan. With fair credit, it can be very hard to obtain funding, even with collateral and a co-signer.
Paraphrased and Standardized Quote from Delaine for this signature loan of $3000, provided by First Columbia Bank & Trust Co.
Hello, I am Delaine and my hometown is Bloomsburg in Pennsylvania. Columbia, county is where I grew up, and now I need a signature loan in Pennsylvania for $3000 to buy a big ticket item. It has been difficult, but First Columbia Bank & Trust Co. really came through for me with this loan for 11.3% interest APR and a term of 17 years. I will repay the loan over the 17 year term, including interest. A big thanks to First Columbia Bank & Trust Co. for giving me a chance and my fair credit. It look me 4 years to build my credit to 521, and I won’t tarnish it any more. I am pleased with Find Texas Loans for helping me this far.
Signature Loan acquired in Bloomsburg, Pennsylvania for $3000 with fair credit by Delaine
A lot of clients have difficulty with finding signature loans in Bloomsburg, Pennsylvania, and Delaine is the same. Delaine went to 8 lenders or more before finding First Columbia Bank & Trust Co., who offered Delaine a signature loan for $3000. Typical signature loans simply need a client, like Delaine’s signature to obtain them, up to $35,000 in some cases. Delaine was able to get $3000 as a signature loan, which is very high for a signature loan. Because signature loans do not require a cosigner, they generally need better credit, as high as 702
6 Months in the Past, Delaine Attempted Finding a High Risk Loan for $41,000.00, and it was Hard
There is an well known struggle for borrowers to get high risk loans in a safe manner. a lot of high risk loans end up coming from loan sharks or the like, which can be scary to borrowers like Delaine. Delaine decided not to obtain a high risk loan this time. High Risk loans are the instrument of choice, and are given to bad credit applicants. Clients with credit scores as low as 551 can apply for a high risk loan and may be be accepted.
Before applying for this signature loan, Delaine had an Experian score of 532, which is fair, so First Columbia Bank & Trust Co. likely can provide Delaine a signature loan
Contact Details for First Columbia Bank & Trust Co., the provider of this signature loan
- First Columbia Bank & Trust Co.
- City: Bloomsburg
- State: Pennsylvania
- Address: 232 East Street
- County: Columbia
- Zip code: 17815
Delaine’s Overall FICO score at the time of acceptance for a signature loan, taking into account their credit reporter job and their future career as a loan officer
Delaine has a very low current gross income, but has a high number of prospects
Delaine has always wanted to be a loan officer, but would have to attend Carousel Beauty College again to achieve it. Delaine has other prospects as well, including general internists, mining engineer, and civil engineering technician, which pay $53,000 through to $106,000 per year, on average. Because of this, we believe that Delaine can afford this signature loan of $3000.
Fast Loans for Delaine in Bloomsburg, Pennsylvania to prevent bankruptcy or broken legs from debt collectors.
Fast loans in Bloomsburg, Pennsylvania aren’t actually that difficult to obtain, especially if you have some finesse like Delaine. Delaine was able to find a fast loan for $3000 from Saucon Valley Trust Company and Industrial Valley Bank and Trust Company, but turned down both offers in favor of their signature loan from First Columbia Bank & Trust Co.. 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 installment loans. Much better in the case that you are in a pinch.
Several other requests for credit have been made by Delaine in the past, including one from First National Bank and Trust Company of Newtown in Bloomsburg, Pennsylvania before Delaine was accepted for the $3000 by First Columbia Bank & Trust Co.
Delaine made 4 prior attempts to obtain a signature loan, 2 of which were with First National Bank and Trust Company of Newtown, a bank in Bloomsburg, Pennsylvania known to specialize in signature loans specifically. Prior to finding First Columbia Bank & Trust Co., Delaine was concerned due to their inexperience and fair credit score.
Conclusion of Delaine’s signature loan
In the end, Delaine was able to find a signature loan for $3000 with an interest rate of 10.3% interest APR from First Columbia Bank & Trust Co. in Bloomsburg, Pennsylvania repayable over 17 years from now.