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$48000 Student Loan In Lebanon Missouri With Credit Score 406 For Jeanna

$48000 Student Loan – Lebanon Missouri, Credit Rating Of 406

  • Experian: 420 – This client had a bad Experian rating
  • Transunion: 389 – Jeanna had a bad credit score with Transunion.
  • Equifax: Jeanna’s Experian score was 406, which is a bad credit score on the Experian system.

Jeanna’s Transunion score was changed by the student loan loan, changing to 389 from 406, which is typical in our experience.

Transunion Score: 389

Signature Loan easily acquired in Lebanon, Missouri for $48000 with bad credit by Jeanna

Most borrowers struggle with obtaining signature loans in Lebanon, Missouri, and Jeanna is no exception. Jeanna went to 8 lenders or more before settling on Heritage Bank of the Ozarks, who offered Jeanna a signature loan for $48000. Typical signature loans simply need a client, like Jeanna’s signature to get them, up to $42,000 in some cases. Jeanna was able to get $48000 as a student loan, which is very high for a student loan. Since signature loans do not need a cosigner, they tend to require higher credit, as high as 760

Fast Loans for Jeanna in Lebanon, Missouri to prevent bankruptcy or bodily harm from debt collectors.

Fast loans in Lebanon, Missouri aren’t actually that difficult to obtain, especially if you have some finesse like Jeanna. Jeanna was able to find a fast loan for $48000 from Jefferson-Gravois Bank of St. Louis and Bank of Craig, but turned down both offers in favor of their student loan from Heritage Bank of the Ozarks. 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 5 weeks for debt consolidation loans. A big improvement if you are on the go.

Jeanna was not approved by Mercantile Bank of Franklin County 5 times prior to being accepted by Heritage Bank of the Ozarks at 1475 South Jefferson

On March 24, 2011, Jeanna inquired about borrowing $5,000 from Mercantile Bank of Franklin County with Alonso, their in law from just outside Lebanon, and even with the co-signer, Jeanna was rejected for this student loan. With bad credit, it can be challenging to procure funding, even with collateral and a co-signer.

Personal Loan for a set illustrator named Jeanna in Lebanon, Missouri to Pay Off First National Bank Discover Card

Jeanna had a lot of credit card debt on their Farm Bureau Bank World MasterCard and their Orvis Rewards Visa, and they were starting to get in over their heads. Despite Jeanna’s job as a set illustrator, they struggled to make payments on the $20,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Jeanna has a very low current yearly income, but has a large amount of prospects

Jeanna has always wanted to be a customer service supervisor, but would have to attend Roosevelt University again to become one. Jeanna has other prospects as well, including sawing machine operator, petroleum laboratory assistant, and brokerage clerk, which pay $50,000 through to $103,000 per year, at least. For this reason, we believe that Jeanna can pay for this student loan of $48000.

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

Average debt consolidation loans vary from $33,000.00 to $58,000.00. They are mainly used to pay off existing high interest loans like credit cards. Jeanna required a debt consolidation loan to pay for their existing student loan and their credit card. Jeanna was able to find a student loan in the end. Debt consolidation, or just consolidation, is a technique in the strategic borrowing method which changes your less desirable, catastrophically high interest loans to one reduced interest loan. Debt consolidation loans usually have interest rates as low as 4.5%.

Before applying for this student loan, Jeanna had an Experian score of 420, which is bad, so Heritage Bank of the Ozarks most likely cannot provide Jeanna a student loan

Experian Score: 420

Contact Details for Heritage Bank of the Ozarks, the provider of this student loan

  • Heritage Bank of the Ozarks
  • City: Lebanon
  • State: Missouri
  • Address: 1475 South Jefferson
  • County: Laclede
  • Zip code: 65536

When Jeanna was 19, they attempted to obtain a student loan from 6 different banks, which damaged their credit rating. Below is a chronology of Jeanna’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $32,000.00 on December 19, 2011
  • Attempt 2) Loan for $30,000.00 on September 16, 2009
  • Attempt 3) Loan for $38,000.00 on December 10, 2010
  • Attempt 4) Loan for $39,000.00 on August 24, 2011
  • Attempt 5) Loan for $21,000.00 on March 1, 2014
  • Attempt 6) Loan for $22,000.00 on December 23, 2009
Client Profile: Jeanna Nikocevic of Lebanon, Missouri
  • Full name (Changed if requested): Jeanna Nikocevic
  • Current Credit: loans.hit.utils.Fico@5cb0d902
  • Current City: Lebanon
  • State: Missouri
  • Zip code: 65545
  • Yearly income: $60,000
  • Current Job: set illustrator
  • Current County: Laclede
  • Goal Yearly Income: $139,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $1000

8 Months in the Past, Jeanna Attempted Finding a High Risk Loan for $45,000.00, and it was Hard

There is an well known struggle for clients to get high risk loans in a safe way. Many high risk loans end up originating loan sharks or the like, which can be physically harmful to borrowers like Jeanna. Jeanna chose not to get a high risk loan this time. High Risk loans are given to very low credit clients. Individuals with credit ratings as low as 302 can inquire for a high risk loan and have a chance to be approved.

Many other requests for credit have been made by Jeanna in the past, including one from First National Bank of Lake Jackson in Lebanon, Missouri before Jeanna was accepted for the $48000 by Heritage Bank of the Ozarks

Jeanna made 9 previous attempts to obtain a student loan, 2 of which were with First National Bank of Lake Jackson, a lending institution in Lebanon, Missouri known to specialize in student loans specifically. Before finding Heritage Bank of the Ozarks, Jeanna was desperate due to their inexperience and bad credit score.

Installment loan for Jeanna, a graduate of Roosevelt University and a set illustrator working for over $75,000 per year

Jeanna, an alumnus at Roosevelt University and a set illustrator in Lebanon, Missouri wants a student loan to purchase a car. Jeanna has instead chosen to obtain an installment loan for $9,000 and is currently seeking lenders like Boatmen’s Bank of Southwest Missouri to provide it.

Paraphrased and Standardized Quote from Jeanna for this student loan of $48000, provided by Heritage Bank of the Ozarks

Hi, I am Jeanna and I’m from Lebanon in Missouri. Laclede, county is where I grew up, and now I need a student loan in Missouri for $48000 to pay bills. It wasn’t easy, but Heritage Bank of the Ozarks really came through for me with this loan for 8.4% interest APR and a term of 17 years. I can repay the loan over the 17 year term, including interest. A big thanks to Heritage Bank of the Ozarks for giving me a chance and my bad credit. It look me 7 years to build my credit to 406, and I won’t tarnish it any more. I am happy with Find Texas Loans for helping me this far.

Previous requests on Jeanna’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$44470.00 3 11.5% $1466.44 Camden County Bank February 22, 2011
$43840.00 5 5.5% $837.39 Glasgow Savings Bank October 10, 2011
$43750.00 11 9.2% $528.13 Central Bank November 23, 2012
$43730.00 5 9.5% $918.41 Midwest BankCentre November 13, 2013

Jeanna’s Overall FICO score at the time of acceptance for a student loan, taking into account their set illustrator job and their future career as a customer service supervisor

Fico Score: 406

Conclusion of Jeanna’s student loan

In the end, Jeanna was able to find a student loan for $48000 with an interest rate of 5.0% interest APR from Heritage Bank of the Ozarks in Lebanon, Missouri repayable over 17 years from today.

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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