$72000 Consolidation Loan – Moundsville West Virginia, Credit Score Of 403
- Experian: 415 – This individual had a bad Experian rating
- Transunion: 386 – Camila had a bad credit rating with Transunion.
- Equifax: Camila’s Experian score was 403, which is a bad credit rating on the Experian system.
Camila was declined by Huntington Bank Martinsburg National Association 7 times prior to being accepted by One Valley Bank – North, Inc. at 414-418 Jefferson Avenue
On November 19, 2010, Camila applied about borrowing $2,000 from Clear Mountain Bank with Lyn, their friend from just outside Moundsville, and even with the co-signer, Camila was rejected for this consolidation loan. With bad credit, it can be a challenge to obtain financing, even with collateral and a co-signer.
Previous requests on Camila’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$72620.00||5||10.4%||$1557.29||Wesbanco Bank Sistersville||June 21, 2012|
|$73380.00||6||10.6%||$1381.73||Wesbanco Bank, Inc.||November 30, 2013|
|$72630.00||9||6.4%||$886.41||Peoples State Bank, National Association||January 14, 2014|
|$73160.00||9||9.2%||$998.57||Kanawha Banking & Trust Company National Association||April 7, 2015|
Debt Consolidation Can Assist Any Highly Indebted Borrower to Escape Bad Debts like Loan Sharks
Normal debt consolidation loans range from $26,000.00 to $46,000.00. They are typically used to pay off existing high interest loans like credit cards. Camila needed a debt consolidation loan to pay for their existing consolidation loan and their payday loan. Camila 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 dirty, high interest loans to a single lower interest loan. Debt consolidation loans usually have interest rates that are low, like 4.2%.
Camila’s Transunion score was altered by the consolidation loan loan, changing to 386 from 403, which is normal in our experience.
When Camila was 19, they tried to obtain a student loan from 6 different banks, which damaged their credit rating. Below is a list of Camila’s prior attempts at finding a student loan:
- Attempt 1) Loan for $38,000.00 on August 12, 2009
- Attempt 2) Loan for $21,000.00 on November 25, 2009
- Attempt 3) Loan for $27,000.00 on November 30, 2010
- Attempt 4) Loan for $28,000.00 on May 24, 2010
- Attempt 5) Loan for $23,000.00 on October 5, 2012
- Attempt 6) Loan for $26,000.00 on July 19, 2009
8 Months Ago, Camila Tried to Find a High Risk Loan for $40,000.00, 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. a lot of high risk loans end up originating loan sharks or similar lenders, which can be physically harmful to borrowers like Camila. Camila 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 applicants. Borrowers with credit scores as low as 369 can apply for a high risk loan and have a chance to be accepted.
Many past requests for credit have been made by Camila in the past, including one from State Financial Bank-Waterford in Moundsville, West Virginia before Camila was accepted for the $72000 by One Valley Bank – North, Inc.
Camila made 9 prior attempts to obtain a consolidation loan, 2 of which were with State Financial Bank-Waterford, a lending institution in Moundsville, West Virginia known to specialize in consolidation loans specifically. Before finding One Valley Bank – North, Inc., Camila was very concerned due to their inexperience and bad credit rating.
Fast Loans for Camila in Moundsville, West Virginia to prevent bankruptcy or bodily harm from debt collectors.
Fast loans in Moundsville, West Virginia aren’t actually that difficult to obtain, especially if you have some gumption like Camila. Camila was able to find a fast loan for $72000 from The Bank of Romney and First Peoples Bank, Inc., but declined both offers in favor of their consolidation loan from One Valley Bank – North, Inc.. The improvement with a fast loan over a debt consolidation loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 5 weeks for personal loans. An improvement if you are in a time sensitive situation.
Signature Loan acquired in Moundsville, West Virginia for $72000 with bad credit by Camila
A lot of borrowers have difficulty with obtaining signature loans in Moundsville, West Virginia, and Camila is no exception. Camila went to 5 lenders or more before settling on One Valley Bank – North, Inc., who offered Camila a signature loan for $72000. Typical signature loans simply require a client, like Camila’s signature to obtain them, up to $24,000 in some cases. Camila was able to get $72000 as a consolidation loan, which is very high for a consolidation loan. Because signature loans do not need collateral, these loans generally require better credit, as high as 731
Installment loan for Camila, a graduate of Michigan Technological University and a screen writer working for over $72,000 per year
Camila, an alumnus at Michigan Technological University and a screen writer in Moundsville, West Virginia wants a consolidation loan to purchase something frivolous. Camila has instead decided to get an installment loan for $11,000 and is at present seeking lenders like First Peoples Bank, Inc. to provide it.
Contact Details for One Valley Bank – North, Inc., the provider of this consolidation loan
- One Valley Bank – North, Inc.
- City: Moundsville
- State: West Virginia
- Address: 414-418 Jefferson Avenue
- County: Marshall
- Zip code: 26041
Paraphrased and Standardized Quote from Camila for this consolidation loan of $72000, provided by One Valley Bank – North, Inc.
Hi, I am Camila and I’m from Moundsville in West Virginia. Marshall, county is where I grew up, and now I need a consolidation loan in West Virginia for $72000 to buy a car. It wasn’t easy, but One Valley Bank – North, Inc. really came through for me with this loan for 5.2% interest APR and a term of 21 years. I can repay the loan over the 21 year term, including interest. A big thanks to One Valley Bank – North, Inc. for trusting me and my bad credit. It look me 7 years to create my credit to 403, and I won’t harm it any future. I am happy with Find Texas Loans for assisting me this far.
Personal Loan for a screen writer named Camila in Moundsville, West Virginia to Pay Off Target REDcard Credit Card
Camila had a lot of credit card debt on their Lumber Liquidators Credit Card and their Texas Fish & Game Rewards Visa, and they were starting to get in over their heads. Despite Camila’s job as a screen writer, they struggled to make payments on the $28,000.00 credit card balance, badly needing assistance in the form of a personal loan.
Camila’s Overall FICO score at the time of acceptance for a consolidation loan, taking into account their screen writer job and their future career as a sawing machine operator
- Full name (Changed if requested): Camila Teppo
- Current Credit: loans.hit.utils.Fico@504bae78
- Current City: Moundsville
- State: West Virginia
- Zip code: 26044
- Yearly income: $35,000
- Current Job: screen writer
- Current County: Marshall
- Goal Yearly Income: $111,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $2000
Before applying for this consolidation loan, Camila had an Experian score of 415, which is bad, so One Valley Bank – North, Inc. probably cannot provide Camila a consolidation loan
Camila has a disappointing current total income, but has a large amount of prospects
Camila has always wanted to be a sawing machine operator, but would have to attend Michigan Technological University again to achieve it. Camila has other prospects as well, including animal breeder, airfield operations specialist, and telecommunications maintenance worker, which pay $50,000 through to $91,000 per year, on average. For this reason, we think that Camila can afford this consolidation loan of $72000.
Conclusion of Camila’s consolidation loan
In the end, Camila was able to find a consolidation loan for $72000 with an interest rate of 7.3% interest APR from One Valley Bank – North, Inc. in Moundsville, West Virginia repayable over 21 years from today.