$12000 Debt Consolidation Loan – Waterbury Connecticut, Credit Score Of 401
- Experian: 411 – This client had a bad Experian score
- Transunion: 389 – Shizuko had a bad credit score with Transunion.
- Equifax: Shizuko’s Experian score was 401, which is a bad credit rating on the Experian scale.
Signature Loan easily acquired in Waterbury, Connecticut for $12000 with bad credit by Shizuko
Many clients struggle with finding signature loans in Waterbury, Connecticut, and Shizuko is not an exception. Shizuko went to 6 lending institutions or more prior to finding Centerbank, who offered Shizuko a signature loan for $12000. Most signature loans simply require a client, like Shizuko’s signature to obtain them, up to $26,000 in some cases. Shizuko was able to get $12000 as a debt consolidation loan, which is very high for a debt consolidation loan. Because signature loans don’t require collateral, these loans generally require better credit, as high as 719
- Full name (Changed if requested): Shizuko Kilty
- Current Credit: loans.hit.utils.Fico@3fb4f649
- Current City: Waterbury
- State: Connecticut
- Zip code: 6724
- Yearly income: $31,000
- Current Job: retail buyer
- Current County: New Haven
- Goal Yearly Income: $127,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $9000
Shizuko’s Overall FICO score at the time of acceptance for a debt consolidation loan, taking into account their retail buyer job and their future career as a switchboard operator
Contact Details for Centerbank, the provider of this debt consolidation loan
- City: Waterbury
- State: Connecticut
- Address: 60 North Main Street
- County: New Haven
- Zip code: 6720
Shizuko was declined by The Guaranty Bank and Trust Company 4 times before being approved by Centerbank at 60 North Main Street
On October 4, 2011, Shizuko applied about borrowing $16,000 from The Putnam Trust Company with Marcos, their in law from just outside Waterbury, and even with the co-signer, Shizuko was rejected for this debt consolidation loan. With bad credit, it can be very hard to procure funding, even with collateral and a co-signer.
Installment loan for Shizuko, a graduate of Jamaica Hospital Dental General Practice Residency 12 Months and a retail buyer working for over $76,000 per year
Shizuko, an alumnus at Jamaica Hospital Dental General Practice Residency 12 Months and a retail buyer in Waterbury, Connecticut wants a debt consolidation loan to purchase something frivolous. Shizuko has instead decided to obtain an installment loan for $21,000 and is at present seeking lenders like The North Side Bank and Trust Company to provide it.
6 Months Ago, Shizuko Attempted Finding a High Risk Loan for $28,000.00, and it was Easy
It is an well known 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 the like, which can be scary to borrowers like Shizuko. Shizuko decided not to get a high risk loan this time. High Risk loans are generally given by lenders to very low credit individuals. Individuals with credit scores as low as 340 can apply for a high risk loan and have a chance to be approved.
Shizuko has a disappointing current yearly income, but has a large amount of prospects
Shizuko has always wanted to be a switchboard operator, but would need attend Jamaica Hospital Dental General Practice Residency 12 Months again to become one. Shizuko has other possibilities as well, including mathematical technician, oceanographic assistant, and explosives worker, which pay $55,000 through to $100,000 per year, on average. Because of this, we believe that Shizuko can afford this debt consolidation loan of $12000.
Shizuko’s Transunion score was altered by the debt consolidation loan loan, changing to 389 from 401, which is normal in our experience.
Before applying for this debt consolidation loan, Shizuko had an Experian score of 411, which is bad, so Centerbank probably can provide Shizuko a debt consolidation loan
When Shizuko was 23, they attempted to obtain a student loan from 4 alternate banks, which damaged their credit score. Below is a list of Shizuko’s prior attempts at finding a student loan:
- Attempt 1) Loan for $35,000.00 on October 22, 2011
- Attempt 2) Loan for $38,000.00 on October 9, 2008
- Attempt 3) Loan for $38,000.00 on February 17, 2012
- Attempt 4) Loan for $30,000.00 on November 3, 2013
Personal Loan for a retail buyer named Shizuko in Waterbury, Connecticut to Pay Off RBC Bank Visa Signature Black Credit Card
Shizuko had a lot of credit card debt on their Delaware National Bank Credit Cards and their New York & Company Credit Cards, and they were starting to get in over their heads. Despite Shizuko’s job as a retail buyer, they struggled to make payments on the $26,000.00 credit card balance, badly needing assistance in the form of a personal loan.
Multiple previous requests for credit have been made by Shizuko in the past, including one from Peoples State Bank in Waterbury, Connecticut before Shizuko was accepted for the $12000 by Centerbank
Shizuko made 7 previous attempts to obtain a debt consolidation loan, 2 of which were with Peoples State Bank, a bank in Waterbury, Connecticut known to specialize in debt consolidation loans specifically. Before finding Centerbank, Shizuko was very concerned due to their inexperience and bad credit score.
Previous requests on Shizuko’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$94480.00||6||11.4%||$1817.76||Colonial Bank of Waterbury||May 7, 2010|
|$94160.00||9||10.5%||$1351.28||The Canaan National Bank||August 14, 2013|
|$94400.00||8||5.2%||$1204.11||The Clinton National Bank||April 9, 2014|
|$94400.00||5||9.5%||$1982.58||Deep River Bank and Trust Company||September 23, 2014|
Paraphrased and Standardized Quote from Shizuko for this debt consolidation loan of $12000, provided by Centerbank
Hi, I am Shizuko and I am from Waterbury in Connecticut. New Haven, county is where I grew up, and now I need a debt consolidation loan in Connecticut for $12000 to renovate my home. It has been difficult, but Centerbank really came through for me with this loan for 9.0% interest APR and a term of 21 years. I can repay the loan over the 21 year term, including interest. A big thanks to Centerbank for trusting me and my bad credit. It look me 6 years to create my credit to 401, and I won’t tarnish it any more. I’m pleased with Find Texas Loans for assisting me this far.
Fast Loans for Shizuko in Waterbury, Connecticut to prevent bankruptcy or harm from debt collectors.
Fast loans in Waterbury, Connecticut aren’t actually that difficult to obtain, particularly if you have some gumption like Shizuko. Shizuko was able to find a fast loan for $12000 from The Clinton National Bank and The Winthrop Bank and Trust Company, but declined both offers in favor of their debt consolidation loan from Centerbank. 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 7 weeks for debt consolidation loans. A big improvement if a client is in a time sensitive situation.
Debt Consolidation Can Help Any Deeply Indebted Borrower to Escape Bad Debts like Credit Card Debt
Most debt consolidation loans vary from $30,000.00 to $42,000.00. They are normally used to pay off existing high interest loans like credit cards. Shizuko needed a debt consolidation loan to pay for their existing debt consolidation loan and their payday loan. Shizuko was able to find a debt consolidation loan in the end. Debt consolidation, or just consolidation, is a tactic in the debt snowball method which transfers your dirty, catastrophically high interest loans to a single reduced interest loan. Debt consolidation loans generally have interest rates that are low, like 4.3%.
Conclusion of Shizuko’s debt consolidation loan
In the end, Shizuko was able to find a debt consolidation loan for $12000 with an interest rate of 7.3% interest APR from Centerbank in Waterbury, Connecticut repayable over 21 years from now.