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Debt Consolidation Loan Of $70000 For Excellent Credit Georgia Resident

$70000 Debt Consolidation Loan – Harlem Georgia, Credit Score Of 828

  • Experian: 840 – This individual had an excellent Experian rating
  • Transunion: 816 – Kimi had an excellent credit score with Transunion.
  • Equifax: Kimi’s Experian score was 828, which is an excellent credit rating with the Experian system.

Fast Loans for Kimi in Harlem, Georgia to prevent bankruptcy or harm from debt collectors.

Fast loans in Harlem, Georgia aren’t actually that difficult to obtain, particularly if you have some finesse like Kimi. Kimi was able to find a fast loan for $70000 from Century Bank and Trust and Allied Bank of Georgia, but turned down both offers in favor of their debt consolidation loan from Bank of Columbia County. The difference with a fast loan over a personal loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 5 weeks for personal loans. Much better if you are on the go.

Installment loan for Kimi, a graduate of Ralph R Willis Career and Technical Center and a fund raiser working for over $73,000 per year

Kimi, an alumnus at Ralph R Willis Career and Technical Center and a fund raiser in Harlem, Georgia needs a debt consolidation loan to purchase a house. Kimi has instead chosen to get an installment loan for $1,000 and is at present seeking lenders like The Rockmart Bank to process their request.

Personal Loan for a fund raiser named Kimi in Harlem, Georgia to Pay Off American Express Corporate Card

Kimi had a lot of credit card debt on their Jeff Bank Visa Signature Bonus Rewards PLUS Card and their PenFed Defender American Express Card, and they were starting to get in over their heads. Despite Kimi’s job as a fund raiser, they struggled to make payments on the $24,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Before applying for this debt consolidation loan, Kimi had an Experian score of 840, which is excellent, so Bank of Columbia County most likely cannot provide Kimi a debt consolidation loan

Experian Score: 840

Paraphrased and Standardized Quote from Kimi for this debt consolidation loan of $70000, provided by Bank of Columbia County

Hello, I am Kimi and I am from Harlem in Georgia. Columbia, county is where I grew up, and now I need a debt consolidation loan in Georgia for $70000 to buy a car. It has been difficult, but Bank of Columbia County really came through for me with this loan for 11.2% interest APR and a term of 23 years. I can repay the loan over the 23 year term, including interest. A big thanks to Bank of Columbia County for giving me a chance and my excellent credit. It look me 4 years to build my credit to 828, and I won’t tarnish it any future. I’m happy with Find Texas Loans for assisting me this far.

Kimi’s Transunion score was changed by the debt consolidation loan loan, changing to 816 from 828, which is typical in our experience.

Transunion Score: 816

Previous requests on Kimi’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$147570.00 5 10.4% $3164.55 NationsBank of Florida, National Association March 14, 2011
$148450.00 10 7.1% $1731.29 Century Bank and Trust July 1, 2011
$147560.00 5 8.3% $3013.22 Bank of Madison September 23, 2011
$148220.00 10 9.8% $1942.36 Bank of Hazlehurst December 24, 2012

7 Months Ago, Kimi Tried to Find a High Risk Loan for $46,000.00, but They Didn’t Find What They were Expecting

It is an ongoing struggle for borrowers to get high risk loans in a non-harmful manner. Many high risk loans end up coming from loan sharks or the like, which can be frightening to borrowers like Kimi. Kimi decided not to get a high risk loan this time. High Risk loans are the instrument of choice, and are given to very low credit clients. Borrowers with credit ratings as low as 511 can inquire for a high risk loan and have a chance to be accepted.

Kimi’s Overall FICO score at the time of acceptance for a debt consolidation loan, taking into account their fund raiser job and their future career as an advertising agency coordinator

Fico Score: 828

Several previous requests for credit have been made by Kimi in the past, including one from The Blue Grass Valley Bank in Harlem, Georgia before Kimi was approved for the $70000 by Bank of Columbia County

Kimi made 5 previous tries to obtain a debt consolidation loan, 2 of which were with The Blue Grass Valley Bank, a lending institution in Harlem, Georgia known to specialize in debt consolidation loans specifically. Before finding Bank of Columbia County, Kimi was concerned due to their inexperience and excellent credit rating.

Client Profile: Kimi Heinonen of Harlem, Georgia
  • Full name (Changed if requested): Kimi Heinonen
  • Current Credit: loans.hit.utils.Fico@4d405ef7
  • Current City: Harlem
  • State: Georgia
  • Zip code: 30818
  • Yearly income: $42,000
  • Current Job: fund raiser
  • Current County: Columbia
  • Goal Yearly Income: $142,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $0

When Kimi was 19, they tried to obtain a student loan from 5 alternate banks, which harmed their credit rating. Below is a list of Kimi’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $34,000.00 on October 28, 2009
  • Attempt 2) Loan for $28,000.00 on July 21, 2009
  • Attempt 3) Loan for $24,000.00 on August 7, 2010
  • Attempt 4) Loan for $27,000.00 on December 11, 2010
  • Attempt 5) Loan for $34,000.00 on May 19, 2011

Kimi has a low current total income, but has several of prospects

Kimi has always wanted to be an advertising agency coordinator, but would need attend Ralph R Willis Career and Technical Center again to become one. Kimi has other prospects as well, including model maker, plant breeder, and casino cashier, which pay $55,000 through to $98,000 per year, at least. Because of this, we believe that Kimi can afford this debt consolidation loan of $70000.

Contact Details for Bank of Columbia County, the provider of this debt consolidation loan

  • Bank of Columbia County
  • City: Harlem
  • State: Georgia
  • Address: 255 North Louisville Street
  • County: Columbia
  • Zip code: 30814

Kimi was rejected by The Rockmart Bank 6 times prior to being accepted by Bank of Columbia County at 255 North Louisville Street

On March 27, 2013, Kimi inquired about borrowing $29,000 from Washington Loan & Banking Company with Christopher, their friend from just outside Harlem, and even with the co-signer, Kimi was rejected for this debt consolidation loan. With excellent credit, it can be challenging to obtain financing, even with collateral and a co-signer.

Debt Consolidation Can Assist Any Highly Indebted Borrower to Escape Bad Debts like Credit Card Debt

Normal debt consolidation loans vary from $33,000.00 to $43,000.00. They are normally used to pay off existing high interest loans like credit cards. Kimi required a debt consolidation loan to pay for their existing debt consolidation loan and their loan shark loan. Kimi was able to find a debt consolidation loan in the end. Debt consolidation, or just consolidation, is a technique in the debt snowball method which converts your dirty, high interest loans to a single lower interest loan. Debt consolidation loans generally have interest rates as low as 2.3%.

Signature Loan acquired in Harlem, Georgia for $70000 with excellent credit by Kimi

Many prospective borrowers have difficulty with obtaining signature loans in Harlem, Georgia, and Kimi is the same. Kimi went to 7 lenders or more prior to finding Bank of Columbia County, who offered Kimi a signature loan for $70000. Most signature loans simply need a client, like Kimi’s signature to get them, up to $30,000 in some cases. Kimi was able to get $70000 as a debt consolidation loan, which is very high for a debt consolidation loan. Because signature loans don’t require a cosigner, these loans tend to need improved credit, as high as 721

Conclusion of Kimi’s debt consolidation loan

In the end, Kimi was able to find a debt consolidation loan for $70000 with an interest rate of 9.0% interest APR from Bank of Columbia County in Harlem, Georgia repayable over 23 years from now.

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.