$196000 Student Loan – Escondido California, Credit Score Of 472
- Experian: 484 – This client had a bad Experian score
- Transunion: 460 – Tommye had a bad credit score with Transunion.
- Equifax: Tommye’s Experian score was 472, which is a bad credit score using the Experian scale.
Tommye’s Overall FICO score at the time of acceptance for a student loan, taking into account their industrial health engineer job and their future career as a patent agent
Signature Loan acquired in Escondido, California for $196000 with bad credit by Tommye
Most clients struggle with finding signature loans in Escondido, California, and Tommye is no exception. Tommye went to 5 lending institutions or more before finding First National Bank of San Diego County, who offered Tommye a signature loan for $196000. Most signature loans simply need a client, like Tommye’s signature to obtain them, up to $39,000 in some cases. Tommye was able to get $196000 as a student loan, which is very high for a student loan. Since signature loans do not require a cosigner, they tend to require improved credit, as high as 729
Tommye has a very low current total income, but has a high number of prospects
Tommye has always wanted to be a patent agent, but would have to attend Aurora University again to achieve it. Tommye has other possibilities as well, including cook, insurance policy processing clerk, and executive secretary, which pay $55,000 through to $91,000 per year, on average. Because of this, we think that Tommye can afford this student loan of $196000.
Previous requests on Tommye’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$21600.00||8||10.6%||$334.66||Santa Monica Bank||March 24, 2011|
|$21540.00||8||7.7%||$301.23||Farmers and Merchants Bank of Long Beach||December 14, 2011|
|$22300.00||11||10.5%||$285.54||First Interstate Bank of California||July 4, 2013|
|$22170.00||10||8.8%||$278.45||Union Bank||July 12, 2013|
Personal Loan for an industrial health engineer named Tommye in Escondido, California to Pay Off Harley-Davidson Visa Secured Card
Tommye had a tonne of credit card debt on their New York Yankees BankAmericard Cash Rewards MasterCard and their Sunoco Corporate Fleet Card, and they were starting to get in over their heads. Despite Tommye’s job as an industrial health engineer, they struggled to make payments on the $25,000.00 credit card balance, badly needing assistance in the form of a personal loan.
7 Months Ago, Tommye Tried to Find a High Risk Loan for $27,000.00, and it was Hard
There is an existing struggle for clients to find high risk loans in a non-harmful manner. Many high risk loans end up coming from loan sharks or similar lenders, which can be physically harmful to borrowers like Tommye. Tommye decided not to obtain a high risk loan this time. High Risk loans are given to bad credit individuals. Clients with credit scores as low as 467 can inquire for a high risk loan and may be be accepted.
Debt Consolidation Will Assist Any Highly Indebted Borrower to Escape Bad Debts like Credit Card Debt
Average debt consolidation loans vary from $24,000.00 to $52,000.00. They are normally used to pay off existing high interest loans like credit cards. Tommye needed a debt consolidation loan to pay for their existing student loan and their payday loan. Tommye was able to find a student loan in the end. Debt consolidation, or simply consolidation, is a technique in the strategic borrowing method which changes your less desirable, high interest loans to a single reduced interest loan. Debt consolidation loans generally have interest rates as low as 3.2%.
When Tommye was 20, they attempted to obtain a student loan from 4 alternate lenders, which damaged their credit score. Below is a chronology of Tommye’s prior attempts at finding a student loan:
- Attempt 1) Loan for $21,000.00 on July 23, 2011
- Attempt 2) Loan for $28,000.00 on November 2, 2008
- Attempt 3) Loan for $30,000.00 on October 1, 2013
- Attempt 4) Loan for $38,000.00 on January 19, 2009
Tommye’s Transunion score was changed by the student loan loan, changing to 460 from 472, which is normal in our experience.
Tommye was rejected by Citizens Commercial Trust and Savings Bank of Pasadena 5 times before being approved by First National Bank of San Diego County at 140 North Escondido Boulevard
On December 27, 2010, Tommye inquired about borrowing $22,000 from Wells Fargo Bank, National Association with Ken, their friend from just outside Escondido, and even with the co-signer, Tommye was rejected for this student loan. With bad credit, it can be difficult to procure financing, even with collateral and a co-signer.
Paraphrased and Standardized Quote from Tommye for this student loan of $196000, provided by First National Bank of San Diego County
Hello, I am Tommye and I am from Escondido in California. San Diego, county is where I grew up, and now I need a student loan in California for $196000 to renovate my home. It wasn’t easy, but First National Bank of San Diego County really came through for me with this loan for 10.2% interest APR and a term of 12 years. I can probably repay the loan over the 12 year term, including interest. A big thanks to First National Bank of San Diego County for trusting me and my bad credit. It look me 7 years to build my credit to 472, and I won’t tarnish it any more. I am pleased with Find Texas Loans for assisting me this far.
- Full name (Changed if requested): Tommye Vansickle
- Current Credit: loans.hit.utils.Fico@53e25b76
- Current City: Escondido
- State: California
- Zip code: 92029
- Yearly income: $56,000
- Current Job: industrial health engineer
- Current County: San Diego
- Goal Yearly Income: $122,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $7000
Before applying for this student loan, Tommye had an Experian score of 484, which is bad, so First National Bank of San Diego County most likely can provide Tommye a student loan
Many other requests for credit have been made by Tommye in the past, including one from Murray Savings Association in Escondido, California before Tommye was approved for the $196000 by First National Bank of San Diego County
Tommye made 6 prior attempts to obtain a student loan, 2 of which were with Murray Savings Association, a lender in Escondido, California known to specialize in student loans specifically. Prior to finding First National Bank of San Diego County, Tommye was desperate due to their inexperience and bad credit score.
Installment loan for Tommye, a graduate of Aurora University and an industrial health engineer working for over $61,000 per year
Tommye, an alumnus at Aurora University and an industrial health engineer in Escondido, California needs a student loan to purchase a new cell phone. Tommye has instead chosen to get an installment loan for $10,000 and is at present seeking lenders like Santa Monica Bank to process their request.
Fast Loans for Tommye in Escondido, California to prevent bankruptcy or harm from debt collectors.
Fast loans in Escondido, California aren’t actually that difficult to obtain, especially if you have some gumption like Tommye. Tommye was able to find a fast loan for $196000 from Union Bank and Southern California First National Bank, but declined both offers in favor of their student loan from First National Bank of San Diego County. The improvement 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 installment loans. An improvement if you are in a pinch.
Contact Details for First National Bank of San Diego County, the provider of this student loan
- First National Bank of San Diego County
- City: Escondido
- State: California
- Address: 140 North Escondido Boulevard
- County: San Diego
- Zip code: 92025
Conclusion of Tommye’s student loan
In the end, Tommye was able to find a student loan for $196000 with an interest rate of 10.5% interest APR from First National Bank of San Diego County in Escondido, California repayable over 12 years from today.