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4 Month Debt Consolidation Loan For Lester In Stratford Wisconsin

$114000 Debt Consolidation Loan – Stratford Wisconsin, Credit Rating Of 494

  • Experian: 510 – They had a bad Experian score
  • Transunion: 482 – Lester had a bad credit rating with Transunion.
  • Equifax: Lester’s Experian score was 494, which is a bad credit score on the Experian system.

Paraphrased and Standardized Quote from Lester for this debt consolidation loan of $114000, provided by Stratford State Bank

Hi, I am Lester and I am from Stratford in Wisconsin. Marathon, county is where I grew up, and now I need a debt consolidation loan in Wisconsin for $114000 to renovate my home. It has been difficult, but Stratford State Bank really came through for me with this loan for 9.1% interest APR and a term of 14 years. I will repay the loan over the 14 year term, including interest. A big thanks to Stratford State Bank for trusting me and my bad credit. It look me 4 years to build my credit to 494, and I won’t tarnish it any future. I’m happy with Find Texas Loans for assisting me this far.

Signature Loan acquired in Stratford, Wisconsin for $114000 with bad credit by Lester

Most prospective borrowers struggle with finding signature loans in Stratford, Wisconsin, and Lester is no exception. Lester went to 4 lending institutions or more prior to finding Stratford State Bank, who offered Lester a signature loan for $114000. Most signature loans simply need a client, like Lester’s signature to get them, up to $40,000 in some cases. Lester was able to get $114000 as a debt consolidation loan, which is very high for a debt consolidation loan. Since signature loans do not require collateral, they generally require better credit, as high as 796

Contact Details for Stratford State Bank, the provider of this debt consolidation loan

  • Stratford State Bank
  • City: Stratford
  • State: Wisconsin
  • Address: 307 Weber Avenue
  • County: Marathon
  • Zip code: 54484

Lester was not approved by Cudahy Marine Bank 4 times prior to being granted funding by Stratford State Bank at 307 Weber Avenue

On December 23, 2008, Lester applied about borrowing $42,000 from The Bank of Brodhead with Sacha, their in law from just outside Stratford, and even with the co-signer, Lester was rejected for this debt consolidation loan. With bad credit, it can be very hard to obtain funding, even with collateral and a co-signer.

Before applying for this debt consolidation loan, Lester had an Experian score of 510, which is bad, so Stratford State Bank probably cannot provide Lester a debt consolidation loan

Experian Score: 510

Lester’s Transunion score was altered by the debt consolidation loan loan, changing to 482 from 494, which is typical in our experience.

Transunion Score: 482

Client Profile: Lester Keese of Stratford, Wisconsin
  • Full name (Changed if requested): Lester Keese
  • Current Credit: loans.hit.utils.Fico@38cccef
  • Current City: Stratford
  • State: Wisconsin
  • Zip code: 54492
  • Yearly income: $65,000
  • Current Job: order clerk
  • Current County: Marathon
  • Goal Yearly Income: $137,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $1000

Lester has a disappointing current yearly income, but has a large amount of prospects

Lester has always wanted to be a forest fire prevention supervisor, but would have to attend West Coast University again to achieve it. Lester has other prospects as well, including computer and information systems manager, fund raiser, and tax examiner, which pay $50,000 through to $107,000 per year, at least. Because of this, we believe that Lester can afford this debt consolidation loan of $114000.

Several past requests for credit have been made by Lester in the past, including one from Bank of East Texas in Stratford, Wisconsin before Lester was accepted for the $114000 by Stratford State Bank

Lester made 8 prior attempts to obtain a debt consolidation loan, 2 of which were with Bank of East Texas, a lending institution in Stratford, Wisconsin known to specialize in debt consolidation loans specifically. Prior to finding Stratford State Bank, Lester was desperate due to their inexperience and bad credit rating.

6 Months Ago, Lester Tried to Find a High Risk Loan for $24,000.00, and it was Easy

It is an existing struggle for clients to find high risk loans in a non-harmful way. Many high risk loans end up coming from loan sharks or similar lenders, which can be scary to borrowers like Lester. Lester chose not to get a high risk loan this time. High Risk loans are the instrument of choice, and are given to terrible credit borrowers. Clients with credit scores as low as 384 can apply for a high risk loan and possibly can be accepted.

Fast Loans for Lester in Stratford, Wisconsin to prevent bankruptcy or bodily harm from debt collectors.

Fast loans in Stratford, Wisconsin aren’t actually that difficult to obtain, especially if you have some finesse like Lester. Lester was able to find a fast loan for $114000 from Citizens State Bank of La Crosse and Burlington Marine Bank, but declined both offers in favor of their debt consolidation loan from Stratford State Bank. The difference with a fast loan over a personal loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 6 weeks for debt consolidation loans. A big improvement in the case that you are on the go.

Personal Loan for an order clerk named Lester in Stratford, Wisconsin to Pay Off Tarjeta BankAmericard Power Rewards Visa

Lester had a tonne of credit card debt on their New York & Company Credit Card and their OneCall Credit Card, and they were starting to get in over their heads. Despite Lester’s job as an order clerk, they struggled to make payments on the $25,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Debt Consolidation Can Help Any Highly Indebted Borrower to Escape Bad Debts like Loan Sharks

Average debt consolidation loans range from $31,000.00 to $46,000.00. They are mainly used to pay off existing high interest loans like credit cards. Lester required a debt consolidation loan to pay for their existing debt consolidation loan and their payday loan. Lester was able to find a debt consolidation loan in the end. Debt consolidation, or just consolidation, is a technique in the debt snowball method which changes your bad, catastrophically high interest loans to a single lower interest loan. Debt consolidation loans generally have interest rates that are low, like 4.7%.

Previous requests on Lester’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$138620.00 11 6.2% $1451.25 M&I Bank of Burlington March 29, 2012
$138900.00 6 10.5% $2608.4 M&I Marshall and Ilsley Bank April 30, 2012
$138900.00 8 8.4% $1991.94 Continental Bank & Trust Co. November 20, 2012
$139270.00 3 6.5% $4268.49 Clare Bank, National Association January 2, 2013

Installment loan for Lester, a graduate of West Coast University and an order clerk working for over $60,000 per year

Lester, an alumnus at West Coast University and an order clerk in Stratford, Wisconsin needs a debt consolidation loan to purchase a new cell phone. Lester has instead chosen to get an installment loan for $23,000 and is at present seeking lenders like M&I Bay View State Bank to process their request.

Lester’s Overall FICO score at the time of acceptance for a debt consolidation loan, taking into account their order clerk job and their future job as a forest fire prevention supervisor

Fico Score: 494

When Lester was 24, they attempted to obtain a student loan from 7 different lenders, which damaged their credit score. Below is a chronology of Lester’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $20,000.00 on February 17, 2013
  • Attempt 2) Loan for $29,000.00 on October 13, 2009
  • Attempt 3) Loan for $26,000.00 on January 2, 2012
  • Attempt 4) Loan for $30,000.00 on March 11, 2009
  • Attempt 5) Loan for $28,000.00 on December 3, 2009
  • Attempt 6) Loan for $34,000.00 on December 12, 2013
  • Attempt 7) Loan for $24,000.00 on October 10, 2011

Conclusion of Lester’s debt consolidation loan

In the end, Lester was able to find a debt consolidation loan for $114000 with an interest rate of 7.5% interest APR from Stratford State Bank in Stratford, Wisconsin repayable over 14 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.