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$192000 Consolidation Loan In Owensboro Kentucky With Credit Score 846 For Iesha

$192000 Consolidation Loan – Owensboro Kentucky, Credit Score Of 846

  • Experian: 861 – This individual had an excellent Experian rating
  • Transunion: 834 – Iesha had an excellent credit rating with Transunion.
  • Equifax: Iesha’s Experian score was 846, which is an excellent credit score using the Experian scale.

6 Months in the Past, Iesha Attempted Finding a High Risk Loan for $47,000.00, and it was Hard

There is an existing 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 similar lenders, which can be physically harmful to borrowers like Iesha. Iesha decided not to obtain a high risk loan this time. High Risk loans are generally given by lenders to very low credit applicants. Individuals with credit scores as low as 426 can inquire for a high risk loan and possibly can be accepted.

When Iesha was 23, they attempted to obtain a student loan from 6 different lenders, which harmed their credit score. Below is a chronology of Iesha’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $29,000.00 on March 5, 2009
  • Attempt 2) Loan for $20,000.00 on February 23, 2012
  • Attempt 3) Loan for $30,000.00 on November 22, 2013
  • Attempt 4) Loan for $28,000.00 on January 29, 2012
  • Attempt 5) Loan for $23,000.00 on February 26, 2009
  • Attempt 6) Loan for $26,000.00 on June 19, 2011

Personal Loan for a photogrammetric engineer named Iesha in Owensboro, Kentucky to Pay Off Staples Business Credit Card-Revolving

Iesha had a lot of credit card debt on their MCU Visa Gold and their Lufthansa Miles & More Premier World MasterCard, and they were starting to get in over their heads. Despite Iesha’s job as a photogrammetric engineer, they struggled to make payments on the $23,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Paraphrased and Standardized Quote from Iesha for this consolidation loan of $192000, provided by Central Bank & Trust Company, Owensboro, Kentucky

Hi, I am Iesha and my hometown is Owensboro in Kentucky. Daviess, county is where I grew up, and now I need a consolidation loan in Kentucky for $192000 to renovate my home. It has been difficult, but Central Bank & Trust Company, Owensboro, Kentucky really came through for me with this loan for 7.6% interest APR and a term of 7 years. I can probably repay the loan over the 7 year term, including interest. A big thanks to Central Bank & Trust Company, Owensboro, Kentucky for giving me a chance and my excellent credit. It look me 8 years to create my credit to 846, and I won’t tarnish it any more. I’m pleased with Find Texas Loans for assisting me this far.

Iesha was declined by Jackson County Bank 7 times before being accepted by Central Bank & Trust Company, Owensboro, Kentucky at 114 West 3rd Street

On January 16, 2009, Iesha applied about borrowing $12,000 from Peoples Bank and Trust Company with Mireille, their in law from just outside Owensboro, and even with the co-signer, Iesha was rejected for this consolidation loan. With excellent credit, it can be very hard to obtain funding, even with collateral and a co-signer.

Fast Loans for Iesha in Owensboro, Kentucky to prevent bankruptcy or harm from debt collectors.

Fast loans in Owensboro, Kentucky aren’t actually that difficult to obtain, particularly if you have some finesse like Iesha. Iesha was able to find a fast loan for $192000 from Farmers & Traders Bank of Campton and Ascencia Bank, but turned down both offers in favor of their consolidation loan from Central Bank & Trust Company, Owensboro, Kentucky. The difference with a fast loan over a installment loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 7 weeks for debt consolidation loans. A big difference if you are in a time sensitive situation.

Client Profile: Iesha Cruzen of Owensboro, Kentucky
  • Full name (Changed if requested): Iesha Cruzen
  • Current Credit: loans.hit.utils.Fico@39ed3c8d
  • Current City: Owensboro
  • State: Kentucky
  • Zip code: 42309
  • Yearly income: $52,000
  • Current Job: photogrammetric engineer
  • Current County: Daviess
  • Goal Yearly Income: $91,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $7000

Installment loan for Iesha, a graduate of Mountain State University and a photogrammetric engineer working for over $70,000 per year

Iesha, an alumnus at Mountain State University and a photogrammetric engineer in Owensboro, Kentucky wants a consolidation loan to purchase a car. Iesha has instead decided to get an installment loan for $29,000 and is at present seeking lenders like Peoples Bank and Trust Company to provide it.

Multiple previous requests for credit have been made by Iesha in the past, including one from Omni Interim, National Association in Owensboro, Kentucky before Iesha was approved for the $192000 by Central Bank & Trust Company, Owensboro, Kentucky

Iesha made 5 previous attempts to obtain a consolidation loan, 2 of which were with Omni Interim, National Association, a lending institution in Owensboro, Kentucky known to specialize in consolidation loans specifically. Prior to finding Central Bank & Trust Company, Owensboro, Kentucky, Iesha was concerned due to their inexperience and excellent credit rating.

Before applying for this consolidation loan, Iesha had an Experian score of 861, which is excellent, so Central Bank & Trust Company, Owensboro, Kentucky probably cannot provide Iesha a consolidation loan

Experian Score: 861

Previous requests on Iesha’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$53560.00 4 10.3% $1366.15 Stock Yards Bank & Trust Company April 26, 2012
$53580.00 5 10.2% $1143.7 Farmers Deposit Bank of Brandenburg May 7, 2014
$54220.00 8 11.5% $866.4 Citizens Bank October 9, 2014
$53860.00 10 8.4% $664.91 Citizens Bank & Trust Company, Burgin, Kentucky April 24, 2015
$54350.00 6 7.3% $934.46 Farmers National Bank June 6, 2015

Iesha’s Overall FICO score at the time of acceptance for a consolidation loan, taking into account their photogrammetric engineer job and their future job as a hand sewer

Fico Score: 846

Iesha’s Transunion score was changed by the consolidation loan loan, changing to 834 from 846, which is normal in our experience.

Transunion Score: 834

Contact Details for Central Bank & Trust Company, Owensboro, Kentucky, the provider of this consolidation loan

  • Central Bank & Trust Company, Owensboro, Kentucky
  • City: Owensboro
  • State: Kentucky
  • Address: 114 West 3rd Street
  • County: Daviess
  • Zip code: 42301

Iesha has a sad current yearly income, but has a large amount of prospects

Iesha has always wanted to be a hand sewer, but would need attend Mountain State University again to achieve it. Iesha has other prospects as well, including fashion model, graduate teaching assistant, and petroleum technician, which pay $59,000 through to $107,000 per year, at least. For this reason, we believe that Iesha can pay for this consolidation loan of $192000.

Debt Consolidation Will Assist Most Deeply Indebted Borrower to Escape Bad Debts like Loan Sharks

Normal debt consolidation loans vary from $29,000.00 to $48,000.00. They are typically used to pay off existing high interest loans like credit cards. Iesha needed a debt consolidation loan to pay for their existing consolidation loan and their loan shark loan. Iesha was able to find a consolidation loan in the end. Debt consolidation, or simply consolidation, is a tactic in the debt snowball method which converts your less desirable, catastrophically high interest loans to one reduced interest loan. Debt consolidation loans usually have interest rates that are low, like 4.5%.

Signature Loan easily acquired in Owensboro, Kentucky for $192000 with excellent credit by Iesha

A lot of clients struggle with finding signature loans in Owensboro, Kentucky, and Iesha is no exception. Iesha went to 6 lending institutions or more prior to finding Central Bank & Trust Company, Owensboro, Kentucky, who offered Iesha a signature loan for $192000. Most signature loans simply need a client, like Iesha’s signature to obtain them, up to $49,000 in some cases. Iesha was able to get $192000 as a consolidation loan, which is very high for a consolidation loan. Because signature loans do not need collateral, they generally need higher credit, as high as 782

Conclusion of Iesha’s consolidation loan

In the end, Iesha was able to find a consolidation loan for $192000 with an interest rate of 10.4% interest APR from Central Bank & Trust Company, Owensboro, Kentucky in Owensboro, Kentucky repayable over 7 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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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.