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$84000 Consolidation Loan In Dallas Texas With Credit Score 419 For Gladys

$84000 Consolidation Loan – Dallas Texas, Credit Rating Of 419

  • Experian: 431 – This individual had a bad Experian rating
  • Transunion: 402 – Gladys had a bad credit rating with Transunion.
  • Equifax: Gladys’s Experian score was 419, which is a bad credit rating on the Experian scale.

Gladys has a very low current gross income, but has a high number of prospects

Gladys has always wanted to be an environmental science technician, but would need attend Studio Incamminati again to achieve it. Gladys has other prospects as well, including aircraft cargo handling supervisor, gas plant operator, and tax preparer, which pay $50,000 through to $105,000 per year, at least. For this reason, we believe that Gladys can pay for this consolidation loan of $84000.

9 Months in the Past, Gladys Attempted to Find a High Risk Loan for $39,000.00, and it was Easy

There is an existing struggle for clients to get high risk loans in a non-harmful manner. Many high risk loans end up coming from loan sharks or the like, which can be physically harmful to borrowers like Gladys. Gladys chose not to get a high risk loan this time. High Risk loans are generally given by lenders to bad credit borrowers. Clients with credit ratings as low as 544 can inquire for a high risk loan and possibly can be approved.

Signature Loan found in Dallas, Texas for $84000 with bad credit by Gladys

Most prospective borrowers have difficulty with obtaining signature loans in Dallas, Texas, and Gladys is the same. Gladys went to 7 lenders or more prior to settling on Texas Commerce Bank – Preston Royal, National Association, who offered Gladys a signature loan for $84000. Typical signature loans simply require a client, like Gladys’s signature to get them, up to $45,000 in some cases. Gladys was able to get $84000 as a consolidation loan, which is very high for a consolidation loan. Because signature loans don’t require collateral, these loans tend to need better credit, as high as 753

When Gladys was 23, they tried to obtain a student loan from 7 different banks, which damaged their credit score. Below is a chronology of Gladys’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $36,000.00 on July 19, 2012
  • Attempt 2) Loan for $22,000.00 on April 30, 2009
  • Attempt 3) Loan for $35,000.00 on February 20, 2011
  • Attempt 4) Loan for $36,000.00 on February 26, 2009
  • Attempt 5) Loan for $22,000.00 on September 18, 2011
  • Attempt 6) Loan for $37,000.00 on November 21, 2009
  • Attempt 7) Loan for $20,000.00 on February 17, 2009

Paraphrased and Standardized Quote from Gladys for this consolidation loan of $84000, provided by Texas Commerce Bank – Preston Royal, National Association

Hi, I am Gladys and my hometown is Dallas in Texas. Dallas, county is where I grew up, and now I need a consolidation loan in Texas for $84000 to pay bills. It wasn’t easy, but Texas Commerce Bank – Preston Royal, National Association really came through for me with this loan for 6.3% interest APR and a term of 13 years. I can repay the loan over the 13 year term, including interest. A big thanks to Texas Commerce Bank – Preston Royal, National Association for trusting me and my bad credit. It look me 9 years to create my credit to 419, and I won’t tarnish it any more. I’m pleased with Find Texas Loans for helping me this far.

Fast Loans for Gladys in Dallas, Texas to prevent bankruptcy or harm from debt collectors.

Fast loans in Dallas, Texas aren’t actually that difficult to obtain, particularly if you have some finesse like Gladys. Gladys was able to find a fast loan for $84000 from First State Bank of Mathis and Eden State Bank, but turned down both offers in favor of their consolidation loan from Texas Commerce Bank – Preston Royal, National Association. The difference with a fast loan over a installment loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 6 weeks for debt consolidation loans. An improvement in the case that a borrower is in a pinch.

Personal Loan for a fashion model named Gladys in Dallas, Texas to Pay Off Club Carlson Platinum Rewards Visa Card

Gladys had a lot of credit card debt on their BankFIRST College Rewards Visa Card and their First National Bank Platinum Edition MasterCard, and they were starting to get in over their heads. Despite Gladys’s job as a fashion model, they struggled to make payments on the $24,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Gladys’s Overall FICO score at the time of acceptance for a consolidation loan, taking into account their fashion model job and their future job as an environmental science technician

Fico Score: 419

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

Normal debt consolidation loans vary from $36,000.00 to $53,000.00. They are normally used to pay off existing high interest loans like credit cards. Gladys required a debt consolidation loan to pay for their existing consolidation loan and their payday loan. Gladys 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 reduced interest loan. Debt consolidation loans generally have interest rates as low as 3.0%.

Gladys was not approved by First Financial Bank 6 times prior to being granted funding by Texas Commerce Bank – Preston Royal, National Association at 10715 Preston Road

On April 20, 2013, Gladys inquired about borrowing $6,000 from Citizens State Bank of Dalhart with Amie, their in law from just outside Dallas, and even with the co-signer, Gladys was rejected for this consolidation loan. With bad credit, it can be very hard to procure financing, even with collateral and a co-signer.

Installment loan for Gladys, a graduate of Studio Incamminati and a fashion model working for over $65,000 per year

Gladys, an alumnus at Studio Incamminati and a fashion model in Dallas, Texas needs a consolidation loan to purchase a car. Gladys has instead decided to obtain an installment loan for $2,000 and is at present seeking lenders like First Bank & Trust, Bryan, Texas to provide it.

Multiple previous requests for credit have been made by Gladys in the past, including one from Bankers Trust of North Carolina in Dallas, Texas before Gladys was approved for the $84000 by Texas Commerce Bank – Preston Royal, National Association

Gladys made 8 previous attempts to obtain a consolidation loan, 2 of which were with Bankers Trust of North Carolina, a lender in Dallas, Texas known to specialize in consolidation loans specifically. Prior to finding Texas Commerce Bank – Preston Royal, National Association, Gladys was concerned due to their inexperience and bad credit rating.

Contact Details for Texas Commerce Bank – Preston Royal, National Association, the provider of this consolidation loan

  • Texas Commerce Bank – Preston Royal, National Association
  • City: Dallas
  • State: Texas
  • Address: 10715 Preston Road
  • County: Dallas
  • Zip code: 75230

Before applying for this consolidation loan, Gladys had an Experian score of 431, which is bad, so Texas Commerce Bank – Preston Royal, National Association most likely cannot provide Gladys a consolidation loan

Experian Score: 431

Client Profile: Gladys Keomuangtai of Dallas, Texas
  • Full name (Changed if requested): Gladys Keomuangtai
  • Current Credit: loans.hit.utils.Fico@2cdf8d8a
  • Current City: Dallas
  • State: Texas
  • Zip code: 75235
  • Yearly income: $53,000
  • Current Job: fashion model
  • Current County: Dallas
  • Goal Yearly Income: $139,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $4000

Gladys’s Transunion score was changed by the consolidation loan loan, changing to 402 from 419, which is normal in our experience.

Transunion Score: 402

Previous requests on Gladys’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$61470.00 8 6.3% $816.81 Comerica Bank April 22, 2009
$61120.00 6 7.3% $1050.86 First Star Bank, S.S.B. February 1, 2012
$61160.00 8 6.7% $824.74 Brownfield State Bank & Trust Co. March 29, 2012
$60620.00 4 8.6% $1497.04 First Bank & Trust, Bryan, Texas May 11, 2012
$60650.00 8 11.5% $969.15 First Bank & Trust of Clarendon January 2, 2014

Conclusion of Gladys’s consolidation loan

In the end, Gladys was able to find a consolidation loan for $84000 with an interest rate of 7.0% interest APR from Texas Commerce Bank – Preston Royal, National Association in Dallas, Texas repayable over 13 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.