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Dee Warnberg’s Student Loan For 2000 Dollars In Modesto California

$2000 Student Loan – Modesto California, Credit Rating Of 340

  • Experian: 359 – This individual had a terrible Experian rating
  • Transunion: 323 – Dee had a terrible credit rating with Transunion.
  • Equifax: Dee’s Experian score was 340, which is a terrible credit rating using the Experian scale.

When Dee was 21, they attempted to obtain a student loan from 6 different lenders, which damaged their credit score. Below is a list of Dee’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $32,000.00 on November 1, 2010
  • Attempt 2) Loan for $26,000.00 on July 1, 2009
  • Attempt 3) Loan for $28,000.00 on April 28, 2014
  • Attempt 4) Loan for $36,000.00 on September 18, 2010
  • Attempt 5) Loan for $25,000.00 on March 22, 2011
  • Attempt 6) Loan for $23,000.00 on June 5, 2012

Previous requests on Dee’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$71560.00 6 9.4% $1304.16 Santa Monica Bank October 17, 2011
$72380.00 3 8.4% $2281.51 Farmers and Merchants Bank of Long Beach October 5, 2012
$72260.00 11 6.8% $778.93 First Interstate Bank of California April 1, 2013
$72410.00 7 10.4% $1217.11 Union Bank October 7, 2014

Multiple past requests for credit have been made by Dee in the past, including one from American Home Bank in Modesto, California before Dee was accepted for the $2000 by Modesto Commerce Bank

Dee made 7 prior attempts to obtain a student loan, 2 of which were with American Home Bank, a lending institution in Modesto, California known to specialize in student loans specifically. Prior to finding Modesto Commerce Bank, Dee was desperate due to their inexperience and terrible credit score.

Dee’s Overall FICO score at the time of acceptance for a student loan, taking into account their school psychologist job and their future career as a motion picture projectionist

Fico Score: 340

Client Profile: Dee Warnberg of Modesto, California
  • Full name (Changed if requested): Dee Warnberg
  • Current Credit: loans.hit.utils.Fico@799f7e29
  • Current City: Modesto
  • State: California
  • Zip code: 95363
  • Yearly income: $61,000
  • Current Job: school psychologist
  • Current County: Stanislaus
  • Goal Yearly Income: $126,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $3000

Debt Consolidation Can Assist Any Deeply Indebted Borrower to Escape Bad Debts like Payday Loans

Average debt consolidation loans vary from $29,000.00 to $53,000.00. They are normally used to pay off existing high interest loans like credit cards. Dee required a debt consolidation loan to pay for their existing student loan and their credit card. Dee was able to find a student loan in the end. Debt consolidation, or simply consolidation, is a tactic in the strategic borrowing method which converts your bad, high interest loans to one reduced interest loan. Debt consolidation loans generally have interest rates as low as 4.5%.

Paraphrased and Standardized Quote from Dee for this student loan of $2000, provided by Modesto Commerce Bank

Hello, I am Dee and I am from Modesto in California. Stanislaus, county is where I grew up, and now I need a student loan in California for $2000 to avoid bankruptcy. It wasn’t easy, but Modesto Commerce Bank really came through for me with this loan for 9.1% interest APR and a term of 13 years. I can probably repay the loan over the 13 year term, including interest. A big thanks to Modesto Commerce Bank for giving me a chance and my terrible credit. It look me 9 years to create my credit to 340, and I won’t harm it any future. I am pleased with Find Texas Loans for assisting me this far.

Signature Loan easily acquired in Modesto, California for $2000 with terrible credit by Dee

A lot of clients have difficulty with finding signature loans in Modesto, California, and Dee is the same. Dee went to 7 lenders or more prior to settling on Modesto Commerce Bank, who offered Dee a signature loan for $2000. Typical signature loans simply require a client, like Dee’s signature to get them, up to $24,000 in some cases. Dee was able to get $2000 as a student loan, which is very high for a student loan. Because signature loans do not require collateral, they tend to require better credit, as high as 761

Installment loan for Dee, a graduate of Ross Medical Education Center – Madison Heights and a school psychologist working for over $63,000 per year

Dee, an alumnus at Ross Medical Education Center – Madison Heights and a school psychologist in Modesto, California needs a student loan to purchase something frivolous. Dee has instead chosen to get an installment loan for $3,000 and is at present seeking lenders like Community First National Bank to provide it.

Dee has a sad current yearly income, but has a high number of prospects

Dee has always wanted to be a motion picture projectionist, but would need attend Ross Medical Education Center – Madison Heights again to become one. Dee has other prospects as well, including industrial engineering technician, costume attendant, and job development specialist, which pay $59,000 through to $108,000 per year, at least. Because of this, we think that Dee can afford this student loan of $2000.

Before applying for this student loan, Dee had an Experian score of 359, which is terrible, so Modesto Commerce Bank probably cannot provide Dee a student loan

Experian Score: 359

Personal Loan for a school psychologist named Dee in Modesto, California to Pay Off Bergdorf Goodman Credit Card

Dee had a tonne of credit card debt on their KingSize Gold Credit Card and their Tompkins Trust Company Visa Signature Bonus Rewards PLUS Card, and they were starting to get in over their heads. Despite Dee’s job as a school psychologist, they struggled to make payments on the $28,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

7 Months in the Past, Dee Attempted Finding a High Risk Loan for $47,000.00, and it was Easy

There is an well known struggle for clients to get high risk loans in a non-harmful way. Many high risk loans end up originating loan sharks or similar lenders, which can be frightening to borrowers like Dee. Dee chose not to obtain a high risk loan this time. High Risk loans are given to very low credit borrowers. Individuals with credit scores as low as 518 can inquire for a high risk loan and possibly can be approved.

Dee’s Transunion score was changed by the student loan loan, changing to 323 from 340, which is typical in our experience.

Transunion Score: 323

Contact Details for Modesto Commerce Bank, the provider of this student loan

  • Modesto Commerce Bank
  • City: Modesto
  • State: California
  • Address: 1623 J Street
  • County: Stanislaus
  • Zip code: 95354

Fast Loans for Dee in Modesto, California to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Modesto, California aren’t actually that difficult to obtain, especially if you have some finesse like Dee. Dee was able to find a fast loan for $2000 from Southern California First National Bank and Southern California First National Bank, but declined both offers in favor of their student loan from Modesto Commerce Bank. The difference with a fast loan over a personal loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 5 weeks for debt consolidation loans. A big difference in the case that you are on the go.

Dee was not approved by Citizens Bank of Roseville 5 times prior to being approved by Modesto Commerce Bank at 1623 J Street

On August 27, 2011, Dee applied about borrowing $35,000 from Bank of Stockton with Marvin, their friend from just outside Modesto, and even with the co-signer, Dee was rejected for this student loan. With terrible credit, it can be difficult to obtain financing, even with collateral and a co-signer.

Conclusion of Dee’s student loan

In the end, Dee was able to find a student loan for $2000 with an interest rate of 9.5% interest APR from Modesto Commerce Bank in Modesto, California repayable over 13 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.