$12000 Signature Loan – San Jose California, Credit Score Of 329
- Experian: 345 – The client had a terrible Experian score
- Transunion: 313 – Bruna had a terrible credit rating with Transunion.
- Equifax: Bruna’s Experian score was 329, which is a terrible credit rating on the Experian rating scheme.
Debt Consolidation Can Assist Most Deeply Indebted Borrower to Escape Bad Debts like Loan Sharks
Most debt consolidation loans range from $36,000.00 to $41,000.00. They are typically used to pay off existing high interest loans like credit cards. Bruna required a debt consolidation loan to pay for their existing signature loan and their payday loan. Bruna was able to find a signature loan in the end. Debt consolidation, or just consolidation, is a technique in the strategic borrowing method which converts your bad, catastrophically high interest loans to one reduced interest loan. Debt consolidation loans generally have interest rates that are low, like 4.4%.
Bruna was rejected by Santa Monica Bank 6 times before being granted funding by California Security Bank at 1694 Tully Road
On December 2, 2010, Bruna applied about borrowing $23,000 from First Interstate Bank of California with Kiyoko, their in law from just outside San Jose, and even with the co-signer, Bruna was rejected for this signature loan. With terrible credit, it can be a challenge to procure financing, even with collateral and a co-signer.
6 Months Ago, Bruna Attempted Finding a High Risk Loan for $49,000.00, but They Didn’t Find What They were Expecting
It is an existing struggle for clients to get high risk loans in a non-harmful way. a lot of high risk loans end up originating loan sharks or the like, which can be frightening to borrowers like Bruna. Bruna chose not to get a high risk loan this time. High Risk loans are generally given by lenders to bad credit clients. Clients with credit ratings as low as 349 can inquire for a high risk loan and may be be accepted.
Contact Details for California Security Bank, the provider of this signature loan
- California Security Bank
- City: San Jose
- State: California
- Address: 1694 Tully Road
- County: Santa Clara
- Zip code: 95151
When Bruna was 23, they attempted to obtain a student loan from 5 alternate banks, which harmed their credit score. Below is a list of Bruna’s prior attempts at finding a student loan:
- Attempt 1) Loan for $27,000.00 on January 5, 2011
- Attempt 2) Loan for $24,000.00 on June 23, 2013
- Attempt 3) Loan for $22,000.00 on January 1, 2009
- Attempt 4) Loan for $39,000.00 on June 21, 2009
- Attempt 5) Loan for $39,000.00 on December 17, 2010
Fast Loans for Bruna in San Jose, California to prevent bankruptcy or broken legs from debt collectors.
Fast loans in San Jose, California aren’t actually that difficult to obtain, particularly if you have some gumption like Bruna. Bruna was able to find a fast loan for $12000 from Santa Ynez Valley Bank and First Northern Bank of Dixon, but declined both offers in favor of their signature loan from California Security Bank. The difference with a fast loan over a debt consolidation 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 a client is on the go.
Installment loan for Bruna, a graduate of West Coast University and a real estate lawyer working for over $71,000 per year
Bruna, an alumnus at West Coast University and a real estate lawyer in San Jose, California needs a signature loan to purchase a new cell phone. Bruna has instead chosen to get an installment loan for $27,000 and is at present seeking lenders like Bank of Stockton to provide it.
Bruna’s Transunion score was altered by the signature loan loan, changing to 313 from 329, which is normal in our experience.
Bruna’s Overall FICO score at the time of acceptance for a signature loan, taking into account their real estate lawyer job and their future job as an art therapist
Personal Loan for a real estate lawyer named Bruna in San Jose, California to Pay Off Amphibian Ark Visa Platinum Rewards Card
Bruna had a tonne of credit card debt on their Baylor University Alumni Association Visa and their Harley-Davidson Visa High Performance Credit Card, and they were starting to get in over their heads. Despite Bruna’s job as a real estate lawyer, they struggled to make payments on the $28,000.00 credit card balance, badly needing assistance in the form of a personal loan.
Before applying for this signature loan, Bruna had an Experian score of 345, which is terrible, so California Security Bank likely cannot provide Bruna a signature loan
Paraphrased and Standardized Quote from Bruna for this signature loan of $12000, provided by California Security Bank
Hello, I am Bruna and my hometown is San Jose in California. Santa Clara, county is where I grew up, and now I need a signature loan in California for $12000 to buy a car. It has been difficult, but California Security Bank really came through for me with this loan for 9.2% interest APR and a term of 18 years. I will repay the loan over the 18 year term, including interest. A big thanks to California Security Bank for trusting me and my terrible credit. It look me 5 years to build my credit to 329, and I won’t harm it any future. I am pleased with Find Texas Loans for assisting me this far.
Signature Loan acquired in San Jose, California for $12000 with terrible credit by Bruna
A lot of prospective borrowers have difficulty with obtaining signature loans in San Jose, California, and Bruna is the same. Bruna went to 7 lenders or more before finding California Security Bank, who offered Bruna a signature loan for $12000. Most signature loans simply require a client, like Bruna’s signature to get them, up to $20,000 in some cases. Bruna was able to get $12000 as a signature loan, which is very high for a signature loan. Since signature loans don’t need a cosigner, these loans tend to require improved credit, as high as 716
Multiple past requests for credit have been made by Bruna in the past, including one from Metropolitan Industrial Bank in San Jose, California before Bruna was approved for the $12000 by California Security Bank
Bruna made 5 previous tries to obtain a signature loan, 2 of which were with Metropolitan Industrial Bank, a lender in San Jose, California known to specialize in signature loans specifically. Prior to finding California Security Bank, Bruna was desperate due to their inexperience and terrible credit rating.
Bruna has a disappointing current gross income, but has a high number of prospects
Bruna has always wanted to be an art therapist, but would have to attend West Coast University again to become one. Bruna has other prospects as well, including communications professor, legislative assistant, and foreign service peacekeeping specialist, which pay $58,000 through to $104,000 per year, at least. Because of this, we believe that Bruna can afford this signature loan of $12000.
Previous requests on Bruna’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$105850.00||6||9.8%||$1950.3||Santa Monica Bank||May 28, 2011|
|$106130.00||7||8.5%||$1680.73||Farmers and Merchants Bank of Long Beach||April 28, 2012|
|$105510.00||4||7.2%||$2536.37||First Interstate Bank of California||June 24, 2012|
|$106350.00||6||6.4%||$1782.68||Union Bank||May 8, 2014|
|$106450.00||8||8.8%||$1548.49||Citizens Commercial Trust and Savings Bank of Pasadena||December 23, 2014|
- Full name (Changed if requested): Bruna Uerkwitz
- Current Credit: loans.hit.utils.Fico@7e32c033
- Current City: San Jose
- State: California
- Zip code: 95157
- Yearly income: $44,000
- Current Job: real estate lawyer
- Current County: Santa Clara
- Goal Yearly Income: $143,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $2000
Conclusion of Bruna’s signature loan
In the end, Bruna was able to find a signature loan for $12000 with an interest rate of 10.5% interest APR from California Security Bank in San Jose, California repayable over 18 years from today.