$52000 Direct Loan – Ellsworth Wisconsin, Credit Score Of 439
- Experian: 451 – The client had a bad Experian rating
- Transunion: 424 – Milagros had a bad credit rating with Transunion.
- Equifax: Milagros’s Experian score was 439, which is a bad credit rating with the Experian system.
Previous requests on Milagros’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$79320.00||10||8.6%||$987.7||M&I Bank of Burlington||November 28, 2008|
|$78870.00||5||6.2%||$1532.12||M&I Marshall and Ilsley Bank||January 14, 2009|
|$79310.00||11||6.4%||$838.48||Continental Bank & Trust Co.||November 4, 2010|
|$79400.00||11||7.3%||$876.74||Clare Bank, National Association||February 7, 2012|
Paraphrased and Standardized Quote from Milagros for this direct loan of $52000, provided by Pierce County Bank and Trust Company
Hi, I am Milagros and I’m from Ellsworth in Wisconsin. Pierce, county is where I grew up, and now I need a direct loan in Wisconsin for $52000 to avoid bankruptcy. It wasn’t easy, but Pierce County Bank and Trust Company really came through for me with this loan for 9.5% interest APR and a term of 6 years. I can repay the loan over the 6 year term, including interest. A big thanks to Pierce County Bank and Trust Company for giving me a chance and my bad credit. It look me 7 years to create my credit to 439, and I won’t tarnish it any future. I am pleased with Find Texas Loans for helping me this far.
Personal Loan for a personnel administrator named Milagros in Ellsworth, Wisconsin to Pay Off Wyndham Rewards Visa Signature No Annual Fee Card
Milagros had a lot of credit card debt on their Cleveland Indians BankAmericard Cash Rewards MasterCard and their Riverview Community Bank Visa Signature Bonus Rewards PLUS Card, and they were starting to get in over their heads. Despite Milagros’s job as a personnel administrator, they struggled to make payments on the $21,000.00 credit card balance, badly needing assistance in the form of a personal loan.
Before applying for this direct loan, Milagros had an Experian score of 451, which is bad, so Pierce County Bank and Trust Company most likely cannot provide Milagros a direct loan
Contact Details for Pierce County Bank and Trust Company, the provider of this direct loan
- Pierce County Bank and Trust Company
- City: Ellsworth
- State: Wisconsin
- Address: 388 West Main Street
- County: Pierce
- Zip code: 54011
Debt Consolidation Can Help Any Deeply Indebted Borrower to Escape Bad Debts like Credit Card Debt
Most debt consolidation loans range from $38,000.00 to $49,000.00. They are normally used to pay off existing high interest loans like credit cards. Milagros needed a debt consolidation loan to pay for their existing direct loan and their payday loan. Milagros was able to find a direct loan in the end. Debt consolidation, or simply consolidation, is a technique in the debt snowball method which converts your dirty, catastrophically high interest loans to a single lower interest loan. Debt consolidation loans usually have interest rates that are low, like 3.4%.
Fast Loans for Milagros in Ellsworth, Wisconsin to prevent bankruptcy or bodily harm from debt collectors.
Fast loans in Ellsworth, Wisconsin aren’t actually that difficult to obtain, particularly if you have some finesse like Milagros. Milagros was able to find a fast loan for $52000 from M&I Marshall and Ilsley Bank and Citizens State Bank, but turned down both offers in favor of their direct loan from Pierce County Bank and Trust Company. 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 6 weeks for personal loans. A big difference if you are in a pinch.
Milagros has a disappointing current yearly income, but has several of prospects
Milagros has always wanted to be a library consultant, but would have to attend Mitchell’s Hairstyling Academy again to become one. Milagros has other prospects as well, including fine artist, casino dealer, and credit reporter, which pay $56,000 through to $104,000 per year, on average. For this reason, we think that Milagros can afford this direct loan of $52000.
8 Months in the Past, Milagros Tried to Find a High Risk Loan for $38,000.00, and it was Hard
It is an ongoing struggle for borrowers to get high risk loans in a safe way. a lot of high risk loans end up originating loan sharks or similar lenders, which can be scary to borrowers like Milagros. Milagros decided not to get a high risk loan this time. High Risk loans are given to terrible credit borrowers. Borrowers with credit scores as low as 325 can apply for a high risk loan and may be be accepted.
When Milagros was 22, they tried to obtain a student loan from 5 alternate banks, which harmed their credit rating. Below is a chronology of Milagros’s previous attempts at finding a student loan:
- Attempt 1) Loan for $21,000.00 on March 19, 2010
- Attempt 2) Loan for $34,000.00 on January 10, 2011
- Attempt 3) Loan for $30,000.00 on October 26, 2008
- Attempt 4) Loan for $38,000.00 on December 29, 2009
- Attempt 5) Loan for $35,000.00 on January 25, 2010
Signature Loan found in Ellsworth, Wisconsin for $52000 with bad credit by Milagros
Most prospective borrowers struggle with obtaining signature loans in Ellsworth, Wisconsin, and Milagros is no exception. Milagros went to 7 lending institutions or more prior to finding Pierce County Bank and Trust Company, who offered Milagros a signature loan for $52000. Most signature loans simply need a client, like Milagros’s signature to get them, up to $20,000 in some cases. Milagros was able to get $52000 as a direct loan, which is very high for a direct loan. Because signature loans don’t need collateral, these loans tend to need improved credit, as high as 730
- Full name (Changed if requested): Milagros Kamienski
- Current Credit: loans.hit.utils.Fico@47d384ee
- Current City: Ellsworth
- State: Wisconsin
- Zip code: 54019
- Yearly income: $34,000
- Current Job: personnel administrator
- Current County: Pierce
- Goal Yearly Income: $146,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $1000
Installment loan for Milagros, a graduate of Mitchell’s Hairstyling Academy and a personnel administrator working for over $69,000 per year
Milagros, an alumnus at Mitchell’s Hairstyling Academy and a personnel administrator in Ellsworth, Wisconsin wants a direct loan to purchase something frivolous. Milagros has instead chosen to get an installment loan for $26,000 and is at present seeking lenders like M&I South Shore Bank to provide it.
Several other requests for credit have been made by Milagros in the past, including one from Mercantile Bank Stoddard/Bollinger Counties in Ellsworth, Wisconsin before Milagros was approved for the $52000 by Pierce County Bank and Trust Company
Milagros made 5 prior attempts to obtain a direct loan, 2 of which were with Mercantile Bank Stoddard/Bollinger Counties, a bank in Ellsworth, Wisconsin known to specialize in direct loans specifically. Before finding Pierce County Bank and Trust Company, Milagros was concerned due to their inexperience and bad credit rating.
Milagros’s Transunion score was altered by the direct loan loan, changing to 424 from 439, which is typical in our experience.
Milagros was declined by Citizens State Bank 6 times before being approved by Pierce County Bank and Trust Company at 388 West Main Street
On May 14, 2009, Milagros applied about borrowing $26,000 from Kilbourn State Bank with Cinthia, their in law from just outside Ellsworth, and even with the co-signer, Milagros was rejected for this direct loan. With bad credit, it can be very hard to procure financing, even with collateral and a co-signer.
Milagros’s Overall FICO score at the time of acceptance for a direct loan, taking into account their personnel administrator job and their future career as a library consultant
Conclusion of Milagros’s direct loan
In the end, Milagros was able to find a direct loan for $52000 with an interest rate of 8.1% interest APR from Pierce County Bank and Trust Company in Ellsworth, Wisconsin repayable over 6 years from now.