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3 Year Consolidation Loan For Gillian In Dothan Alabama

$33000 Consolidation Loan – Dothan Alabama, Credit Rating Of 398

  • Experian: 417 – This client had a terrible Experian score
  • Transunion: 379 – Gillian had a terrible credit score with Transunion.
  • Equifax: Gillian’s Experian score was 398, which is a terrible credit rating on the Experian system.

When Gillian was 20, they attempted to obtain a student loan from 6 different lenders, which harmed their credit score. Below is a list of Gillian’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $29,000.00 on February 19, 2010
  • Attempt 2) Loan for $22,000.00 on July 25, 2010
  • Attempt 3) Loan for $31,000.00 on October 6, 2009
  • Attempt 4) Loan for $24,000.00 on July 6, 2010
  • Attempt 5) Loan for $20,000.00 on May 3, 2013
  • Attempt 6) Loan for $25,000.00 on August 21, 2011
Client Profile: Gillian Pilette of Dothan, Alabama
  • Full name (Changed if requested): Gillian Pilette
  • Current Credit: loans.hit.utils.Fico@1c655221
  • Current City: Dothan
  • State: Alabama
  • Zip code: 36309
  • Yearly income: $52,000
  • Current Job: adjustment clerk
  • Current County: Houston
  • Goal Yearly Income: $119,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $6000

Fast Loans for Gillian in Dothan, Alabama to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Dothan, Alabama aren’t actually that difficult to obtain, especially if you have some finesse like Gillian. Gillian was able to find a fast loan for $33000 from Community Bank and United Bank, but turned down both offers in favor of their consolidation loan from Trinity Bank. The difference with a fast loan over a debt consolidation loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 5 weeks for debt consolidation loans. A big improvement in the case that a client is on the go.

Installment loan for Gillian, a graduate of California State University – San Marcos and an adjustment clerk working for over $64,000 per year

Gillian, an alumnus at California State University – San Marcos and an adjustment clerk in Dothan, Alabama needs a consolidation loan to purchase a house. Gillian has instead decided to obtain an installment loan for $9,000 and is at present seeking lenders like The Bank of Vernon to provide it.

Gillian’s Overall FICO score at the time of acceptance for a consolidation loan, taking into account their adjustment clerk job and their future job as an electrical parts reconditioner

Fico Score: 398

Gillian’s Transunion score was changed by the consolidation loan loan, changing to 379 from 398, which is typical in our experience.

Transunion Score: 379

Signature Loan found in Dothan, Alabama for $33000 with terrible credit by Gillian

A lot of borrowers struggle with finding signature loans in Dothan, Alabama, and Gillian is the same. Gillian went to 4 lending institutions or more prior to finding Trinity Bank, who offered Gillian a signature loan for $33000. Most signature loans simply require a client, like Gillian’s signature to obtain them, up to $48,000 in some cases. Gillian was able to get $33000 as a consolidation loan, which is very high for a consolidation loan. Because signature loans do not need collateral, these loans generally need improved credit, as high as 794

Gillian was not approved by Peoples Community Bank 4 times before being approved by Trinity Bank at 1479 West Main Street

On February 3, 2010, Gillian applied about borrowing $49,000 from Central Bank of St. Clair County with Samuel, their friend from just outside Dothan, and even with the co-signer, Gillian was rejected for this consolidation loan. With terrible credit, it can be difficult to procure funding, even with collateral and a co-signer.

Paraphrased and Standardized Quote from Gillian for this consolidation loan of $33000, provided by Trinity Bank

Hi, I am Gillian and my hometown is Dothan in Alabama. Houston, county is where I grew up, and now I need a consolidation loan in Alabama for $33000 to avoid bankruptcy. It wasn’t easy, but Trinity Bank really came through for me with this loan for 11.2% interest APR and a term of 17 years. I can probably repay the loan over the 17 year term, including interest. A big thanks to Trinity Bank for trusting me and my terrible credit. It look me 9 years to build my credit to 398, and I won’t tarnish it any future. I am happy with Find Texas Loans for helping me this far.

Previous requests on Gillian’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$56240.00 5 6.2% $1092.51 AuburnBank January 2, 2011
$56200.00 7 6.2% $826.4 Bank of the South July 5, 2011
$56150.00 4 8.6% $1386.65 Alabama City Bank of Gadsden, Alabama March 12, 2014
$56480.00 6 11.6% $1092.48 The Exchange Bank, Attalla, Alabama April 28, 2014
$56290.00 3 5.3% $1694.65 Robertson Banking Company October 3, 2014

6 Months in the Past, Gillian Attempted to Find a High Risk Loan for $35,000.00, but They Didn’t Find What They were Expecting

It is an ongoing struggle for clients to find high risk loans in a non-harmful way. a lot of high risk loans end up coming from loan sharks or similar lenders, which can be physically harmful to borrowers like Gillian. Gillian decided not to get a high risk loan this time. High Risk loans are given to very low credit borrowers. Clients with credit ratings as low as 438 can apply for a high risk loan and may be be approved.

Debt Consolidation Can Assist Any Deeply Indebted Borrower to Escape Bad Debts like Loan Sharks

Normal debt consolidation loans vary from $21,000.00 to $55,000.00. They are typically used to pay off existing high interest loans like credit cards. Gillian required a debt consolidation loan to pay for their existing consolidation loan and their payday loan. Gillian was able to find a consolidation loan in the end. Debt consolidation, or just consolidation, is a tactic in the strategic borrowing method which changes your dirty, catastrophically high interest loans to one lower interest loan. Debt consolidation loans usually have interest rates that are low, like 3.8%.

Personal Loan for an adjustment clerk named Gillian in Dothan, Alabama to Pay Off HomeGoods Credit Card

Gillian had a lot of credit card debt on their Grossman’s Bargain Outlet Credit Card and their Office Depot Business Credit Card, and they were starting to get in over their heads. Despite Gillian’s job as an adjustment clerk, they struggled to make payments on the $22,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Many other requests for credit have been made by Gillian in the past, including one from Busey First National Bank in Dothan, Alabama before Gillian was accepted for the $33000 by Trinity Bank

Gillian made 8 previous attempts to obtain a consolidation loan, 2 of which were with Busey First National Bank, a lender in Dothan, Alabama known to specialize in consolidation loans specifically. Prior to finding Trinity Bank, Gillian was very concerned due to their inexperience and terrible credit rating.

Gillian has a disappointing current total income, but has a high number of prospects

Gillian has always wanted to be an electrical parts reconditioner, but would need attend California State University – San Marcos again to become one. Gillian has other prospects as well, including vocational rehabilitation counselor, health care facilities inspector, and custom tailor, which pay $56,000 through to $105,000 per year, at least. Because of this, we think that Gillian can afford this consolidation loan of $33000.

Contact Details for Trinity Bank, the provider of this consolidation loan

  • Trinity Bank
  • City: Dothan
  • State: Alabama
  • Address: 1479 West Main Street
  • County: Houston
  • Zip code: 36302

Before applying for this consolidation loan, Gillian had an Experian score of 417, which is terrible, so Trinity Bank likely cannot provide Gillian a consolidation loan

Experian Score: 417

Conclusion of Gillian’s consolidation loan

In the end, Gillian was able to find a consolidation loan for $33000 with an interest rate of 11.7% interest APR from Trinity Bank in Dothan, Alabama repayable over 17 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.