$126000 Consolidation Loan – Stratton Colorado, Credit Rating Of 781
- Experian: 800 – The client had an excellent Experian score
- Transunion: 768 – Celesta had an excellent credit rating with Transunion.
- Equifax: Celesta’s Experian score was 781, which is an excellent credit score using the Experian system.
Previous requests on Celesta’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$31150.00||6||8.7%||$556.87||Affiliated National Bank – Delta||December 29, 2011|
|$31200.00||7||9.5%||$509.93||Central Bank, National Association||December 13, 2012|
|$31460.00||7||6.4%||$465.64||The Colorado Bank and Trust Company of La Junta||April 2, 2014|
|$31390.00||8||5.6%||$406.42||Colorado State Bank and Trust, N. A.||September 11, 2014|
|$30750.00||7||8.5%||$486.97||Mountain Parks Bank – West||November 8, 2014|
Before applying for this consolidation loan, Celesta had an Experian score of 800, which is excellent, so The First National Bank of Stratton probably cannot provide Celesta a consolidation loan
Contact Details for The First National Bank of Stratton, the provider of this consolidation loan
- The First National Bank of Stratton
- City: Stratton
- State: Colorado
- Address: 141 Colorado Avenue
- County: Kit Carson
- Zip code: 80836
When Celesta was 19, they attempted to obtain a student loan from 5 different lenders, which harmed their credit rating. Below is a list of Celesta’s previous attempts at finding a student loan:
- Attempt 1) Loan for $32,000.00 on June 1, 2009
- Attempt 2) Loan for $34,000.00 on May 6, 2011
- Attempt 3) Loan for $20,000.00 on December 2, 2009
- Attempt 4) Loan for $35,000.00 on March 24, 2012
- Attempt 5) Loan for $38,000.00 on February 23, 2011
Installment loan for Celesta, a graduate of Monroe 2 – Orleans BOCES Center for Workforce Development and a forensics psychologist working for over $71,000 per year
Celesta, an alumnus at Monroe 2 – Orleans BOCES Center for Workforce Development and a forensics psychologist in Stratton, Colorado needs a consolidation loan to purchase a new cell phone. Celesta has instead chosen to obtain an installment loan for $29,000 and is currently seeking lenders like The Citizens State Bank of Ouray to provide it.
7 Months Ago, Celesta Attempted to Find a High Risk Loan for $34,000.00, and it was Hard
There is an ongoing struggle for clients to find high risk loans in a non-harmful way. a lot of high risk loans end up originating loan sharks or similar lenders, which can be scary to borrowers like Celesta. Celesta chose not to obtain a high risk loan this time. High Risk loans are generally given by lenders to terrible credit clients. Clients with credit scores as low as 458 can inquire for a high risk loan and may be be approved.
Paraphrased and Standardized Quote from Celesta for this consolidation loan of $126000, provided by The First National Bank of Stratton
Hello, I am Celesta and my hometown is Stratton in Colorado. Kit Carson, county is where I grew up, and now I need a consolidation loan in Colorado for $126000 to buy a big ticket item. It wasn’t easy, but The First National Bank of Stratton really came through for me with this loan for 5.6% interest APR and a term of 4 years. I can probably repay the loan over the 4 year term, including interest. A big thanks to The First National Bank of Stratton for trusting me and my excellent credit. It look me 9 years to build my credit to 781, and I won’t harm it any more. I am happy with Find Texas Loans for helping me this far.
Celesta has a very low current yearly income, but has several of prospects
Celesta has always wanted to be a dental / orthodontic office administrator, but would need attend Monroe 2 – Orleans BOCES Center for Workforce Development again to become one. Celesta has other possibilities as well, including metal fabricator, armored assault vehicle officer, and transit and railroad police, which pay $51,000 through to $102,000 per year, on average. For this reason, we think that Celesta can pay for this consolidation loan of $126000.
Signature Loan acquired in Stratton, Colorado for $126000 with excellent credit by Celesta
Many prospective borrowers have difficulty with obtaining signature loans in Stratton, Colorado, and Celesta is not an exception. Celesta went to 8 lenders or more before finding The First National Bank of Stratton, who offered Celesta a signature loan for $126000. Typical signature loans simply require a client, like Celesta’s signature to obtain them, up to $48,000 in some cases. Celesta was able to get $126000 as a consolidation loan, which is very high for a consolidation loan. Since signature loans don’t need a cosigner, they tend to require better credit, as high as 707
Celesta’s Overall FICO score at the time of acceptance for a consolidation loan, taking into account their forensics psychologist job and their future career as a dental / orthodontic office administrator
Multiple other requests for credit have been made by Celesta in the past, including one from First State Bank of Chicago in Stratton, Colorado before Celesta was accepted for the $126000 by The First National Bank of Stratton
Celesta made 5 prior attempts to obtain a consolidation loan, 2 of which were with First State Bank of Chicago, a lending institution in Stratton, Colorado known to specialize in consolidation loans specifically. Before finding The First National Bank of Stratton, Celesta was desperate due to their inexperience and excellent credit score.
Personal Loan for a forensics psychologist named Celesta in Stratton, Colorado to Pay Off Orvis Rewards Visa
Celesta had a lot of credit card debt on their SEFCU MasterCard and their Spirit Airlines, and they were starting to get in over their heads. Despite Celesta’s job as a forensics psychologist, they struggled to make payments on the $23,000.00 credit card balance, badly needing assistance in the form of a personal loan.
Celesta’s Transunion score was altered by the consolidation loan loan, changing to 768 from 781, which is normal in our experience.
- Full name (Changed if requested): Celesta Puhuyaoma
- Current Credit: loans.hit.utils.Fico@1c2c22f3
- Current City: Stratton
- State: Colorado
- Zip code: 80838
- Yearly income: $50,000
- Current Job: forensics psychologist
- Current County: Kit Carson
- Goal Yearly Income: $98,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $8000
Fast Loans for Celesta in Stratton, Colorado to prevent bankruptcy or bodily harm from debt collectors.
Fast loans in Stratton, Colorado aren’t actually that difficult to obtain, particularly if you have some finesse like Celesta. Celesta was able to find a fast loan for $126000 from Fremont National Bank of Canon City and The Minnequa Bank of Pueblo, but declined both offers in favor of their consolidation loan from The First National Bank of Stratton. The difference with a fast loan over a installment loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 7 weeks for debt consolidation loans. A big difference if you are in a pinch.
Celesta was declined by The Minnequa Bank of Pueblo 7 times prior to being granted funding by The First National Bank of Stratton at 141 Colorado Avenue
On May 13, 2013, Celesta inquired about borrowing $23,000 from Norwest Bank Boulder, National Association with Earle, their in law from just outside Stratton, and even with the co-signer, Celesta was rejected for this consolidation loan. With excellent credit, it can be difficult to procure financing, even with collateral and a co-signer.
Debt Consolidation Will Help Most Highly Indebted Borrower to Escape Bad Debts like Credit Card Debt
Average debt consolidation loans range from $39,000.00 to $59,000.00. They are normally used to pay off existing high interest loans like credit cards. Celesta required a debt consolidation loan to pay for their existing consolidation loan and their loan shark loan. Celesta 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 bad, catastrophically high interest loans to a single lower interest loan. Debt consolidation loans usually have interest rates that are low, like 4.7%.
Conclusion of Celesta’s consolidation loan
In the end, Celesta was able to find a consolidation loan for $126000 with an interest rate of 9.2% interest APR from The First National Bank of Stratton in Stratton, Colorado repayable over 4 years from today.