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$15000 Consolidation Loan With Excellent Credit In Cohocton New York

$15000 Consolidation Loan – Cohocton New York, Credit Score Of 723

  • Experian: 738 – The client had an excellent Experian score
  • Transunion: 705 – Illa had an excellent credit rating with Transunion.
  • Equifax: Illa’s Experian score was 723, which is an excellent credit rating with the Experian system.

Contact Details for The Cohocton State Bank, the provider of this consolidation loan

  • The Cohocton State Bank
  • City: Cohocton
  • State: New York
  • Address: 19 Maple Avenue
  • County: Steuben
  • Zip code: 14826

When Illa was 19, they attempted to obtain a student loan from 6 different lenders, which damaged their credit rating. Below is a list of Illa’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $24,000.00 on April 13, 2013
  • Attempt 2) Loan for $32,000.00 on February 7, 2010
  • Attempt 3) Loan for $33,000.00 on March 30, 2013
  • Attempt 4) Loan for $27,000.00 on April 10, 2010
  • Attempt 5) Loan for $29,000.00 on January 14, 2011
  • Attempt 6) Loan for $29,000.00 on March 28, 2009

Installment loan for Illa, a graduate of “Concordia University, St. Paul” and a ceramic engineer working for over $62,000 per year

Illa, an alumnus at “Concordia University, St. Paul” and a ceramic engineer in Cohocton, New York needs a consolidation loan to purchase something frivolous. Illa has instead decided to get an installment loan for $19,000 and is at present seeking lenders like Partners Trust Municipal Bank to provide it.

Illa has a low current total income, but has a large amount of prospects

Illa has always wanted to be a community welfare worker, but would need attend “Concordia University, St. Paul” again to achieve it. Illa has other possibilities as well, including civil engineering technician, agricultural inspector, and painters, which pay $54,000 through to $96,000 per year, at least. Because of this, we believe that Illa can afford this consolidation loan of $15000.

Client Profile: Illa Esperon of Cohocton, New York
  • Full name (Changed if requested): Illa Esperon
  • Current Credit: loans.hit.utils.Fico@2d8e6db6
  • Current City: Cohocton
  • State: New York
  • Zip code: 14835
  • Yearly income: $47,000
  • Current Job: ceramic engineer
  • Current County: Steuben
  • Goal Yearly Income: $132,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $9000

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

Average debt consolidation loans range from $26,000.00 to $47,000.00. They are mainly used to pay off existing high interest loans like credit cards. Illa required a debt consolidation loan to pay for their existing consolidation loan and their payday loan. Illa was able to find a consolidation loan in the end. Debt consolidation, or simply consolidation, is a technique in the debt snowball method which transfers your bad, catastrophically high interest loans to one lower interest loan. Debt consolidation loans generally have interest rates that are low, like 3.2%.

Illa’s Transunion score was changed by the consolidation loan loan, changing to 705 from 723, which is typical in our experience.

Transunion Score: 705

Signature Loan acquired in Cohocton, New York for $15000 with excellent credit by Illa

Most borrowers struggle with obtaining signature loans in Cohocton, New York, and Illa is no different. Illa went to 7 lenders or more prior to settling on The Cohocton State Bank, who offered Illa a signature loan for $15000. Typical signature loans simply need a client, like Illa’s signature to get them, up to $36,000 in some cases. Illa was able to get $15000 as a consolidation loan, which is very high for a consolidation loan. Since signature loans don’t need a cosigner, these loans generally need improved credit, as high as 718

9 Months Ago, Illa Tried Finding a High Risk Loan for $44,000.00, and it was Easy

There is an ongoing struggle for clients to find high risk loans in a non-harmful manner. a lot of high risk loans end up originating loan sharks or similar lenders, which can be physically harmful to borrowers like Illa. Illa decided not to get a high risk loan this time. High Risk loans are generally given by lenders to terrible credit clients. Individuals with credit scores as low as 361 can inquire for a high risk loan and possibly can be accepted.

Previous requests on Illa’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$115310.00 4 6.2% $2718.64 Bankers Trust Company of Albany, National Association May 31, 2010
$115480.00 4 7.1% $2770.67 Montgomery County Trust Company December 11, 2012
$114690.00 8 9.8% $1728.21 Bank of Avoca May 29, 2013
$114880.00 8 8.1% $1629.87 The State Bank of Belmont February 4, 2014
$114540.00 11 5.3% $1146.97 Fleet Bank of New York, National Association March 26, 2014

Before applying for this consolidation loan, Illa had an Experian score of 738, which is excellent, so The Cohocton State Bank probably cannot provide Illa a consolidation loan

Experian Score: 738

Paraphrased and Standardized Quote from Illa for this consolidation loan of $15000, provided by The Cohocton State Bank

Hello, I am Illa and I’m from Cohocton in New York. Steuben, county is where I grew up, and now I need a consolidation loan in New York for $15000 to buy a car. It wasn’t easy, but The Cohocton State Bank really came through for me with this loan for 11.8% interest APR and a term of 15 years. I can repay the loan over the 15 year term, including interest. A big thanks to The Cohocton State Bank for trusting me and my excellent credit. It look me 6 years to build my credit to 723, and I won’t harm it any more. I am pleased with Find Texas Loans for assisting me this far.

Fast Loans for Illa in Cohocton, New York to prevent bankruptcy or bodily harm from debt collectors.

Fast loans in Cohocton, New York aren’t actually that difficult to obtain, particularly if you have some finesse like Illa. Illa was able to find a fast loan for $15000 from Montgomery County Trust Company and Key Bank, but declined both offers in favor of their consolidation loan from The Cohocton State Bank. The difference with a fast loan over a debt consolidation loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 6 weeks for personal loans. A big difference in the case that a client is on the go.

Illa’s Overall FICO score at the time of acceptance for a consolidation loan, taking into account their ceramic engineer job and their future job as a community welfare worker

Fico Score: 723

Many past requests for credit have been made by Illa in the past, including one from Evergreen Bank Group in Cohocton, New York before Illa was accepted for the $15000 by The Cohocton State Bank

Illa made 8 prior attempts to obtain a consolidation loan, 2 of which were with Evergreen Bank Group, a bank in Cohocton, New York known to specialize in consolidation loans specifically. Before finding The Cohocton State Bank, Illa was very concerned due to their inexperience and excellent credit score.

Personal Loan for a ceramic engineer named Illa in Cohocton, New York to Pay Off Atlantic Stewardship Bank Visa Business Bonus Rewards Card

Illa had a lot of credit card debt on their Bowflex Credit Card and their Frontier Airlines World MasterCard with Annual Fee, and they were starting to get in over their heads. Despite Illa’s job as a ceramic engineer, they struggled to make payments on the $22,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Illa was rejected by Deutsche Bank Trust Company Americas 4 times before being granted funding by The Cohocton State Bank at 19 Maple Avenue

On January 3, 2011, Illa inquired about borrowing $38,000 from Endicott Trust Company with Jama, their in law from just outside Cohocton, and even with the co-signer, Illa was rejected for this consolidation loan. With excellent credit, it can be a challenge to procure financing, even with collateral and a co-signer.

Conclusion of Illa’s consolidation loan

In the end, Illa was able to find a consolidation loan for $15000 with an interest rate of 11.4% interest APR from The Cohocton State Bank in Cohocton, New York repayable over 15 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.