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6 Month Debt Consolidation Loan For Rodolfo In Canoga Park California

$34000 Debt Consolidation Loan – Canoga Park California, Credit Rating Of 309

  • Experian: 327 – The client had a terrible Experian rating
  • Transunion: 293 – Rodolfo had a terrible credit score with Transunion.
  • Equifax: Rodolfo’s Experian score was 309, which is a terrible credit score on the Experian scale.

Rodolfo’s Transunion score was altered by the debt consolidation loan loan, changing to 293 from 309, which is normal in our experience.

Transunion Score: 293

6 Months Ago, Rodolfo Tried to Find a High Risk Loan for $21,000.00, and it was Easy

It is an existing 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 scary to borrowers like Rodolfo. Rodolfo chose not to obtain a high risk loan this time. High Risk loans are the instrument of choice, and are given to very low credit individuals. Borrowers with credit ratings as low as 496 can inquire for a high risk loan and possibly can be approved.

Contact Details for Vista Bank, FSB, the provider of this debt consolidation loan

  • Vista Bank, FSB
  • City: Canoga Park
  • State: California
  • Address: 22222 Sherman Way
  • County: Los Angeles
  • Zip code: 91303

Installment loan for Rodolfo, a graduate of Florida State College at Jacksonville and a nuclear medicine technologist working for over $65,000 per year

Rodolfo, an alumnus at Florida State College at Jacksonville and a nuclear medicine technologist in Canoga Park, California needs a debt consolidation loan to purchase a house. Rodolfo has instead decided to obtain an installment loan for $4,000 and is currently seeking lenders like Wells Fargo Bank, National Association to provide it.

When Rodolfo was 19, they attempted to obtain a student loan from 4 different lenders, which damaged their credit score. Below is a chronology of Rodolfo’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $32,000.00 on May 24, 2011
  • Attempt 2) Loan for $28,000.00 on January 27, 2012
  • Attempt 3) Loan for $37,000.00 on February 21, 2009
  • Attempt 4) Loan for $32,000.00 on November 7, 2013

Multiple other requests for credit have been made by Rodolfo in the past, including one from First National Bank of Kermit in Canoga Park, California before Rodolfo was approved for the $34000 by Vista Bank, FSB

Rodolfo made 9 previous tries to obtain a debt consolidation loan, 2 of which were with First National Bank of Kermit, a lender in Canoga Park, California known to specialize in debt consolidation loans specifically. Prior to finding Vista Bank, FSB, Rodolfo was very concerned due to their inexperience and terrible credit rating.

Personal Loan for a nuclear medicine technologist named Rodolfo in Canoga Park, California to Pay Off Alaska Airlines Visa Platinum Plus

Rodolfo had a tonne of credit card debt on their Tompkins Trust Secured Visa Card and their Bangor Savings Bank Visa Business Bonus Rewards PLUS Card, and they were starting to get in over their heads. Despite Rodolfo’s job as a nuclear medicine technologist, they struggled to make payments on the $23,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Client Profile: Rodolfo Northway of Canoga Park, California
  • Full name (Changed if requested): Rodolfo Northway
  • Current Credit: loans.hit.utils.Fico@6477463f
  • Current City: Canoga Park
  • State: California
  • Zip code: 91305
  • Yearly income: $57,000
  • Current Job: nuclear medicine technologist
  • Current County: Los Angeles
  • Goal Yearly Income: $100,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $0

Signature Loan acquired in Canoga Park, California for $34000 with terrible credit by Rodolfo

A lot of prospective borrowers struggle with obtaining signature loans in Canoga Park, California, and Rodolfo is no exception. Rodolfo went to 4 lending institutions or more prior to settling on Vista Bank, FSB, who offered Rodolfo a signature loan for $34000. Most signature loans simply need a client, like Rodolfo’s signature to obtain them, up to $48,000 in some cases. Rodolfo was able to get $34000 as a debt consolidation loan, which is very high for a debt consolidation loan. Since signature loans do not need collateral, they generally need improved credit, as high as 784

Previous requests on Rodolfo’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$118640.00 6 10.8% $2246.07 Santa Monica Bank September 5, 2011
$119480.00 7 8.5% $1892.14 Farmers and Merchants Bank of Long Beach September 21, 2013
$119390.00 3 5.6% $3610.48 First Interstate Bank of California November 5, 2013
$119360.00 11 7.1% $1305.39 Union Bank April 11, 2014

Paraphrased and Standardized Quote from Rodolfo for this debt consolidation loan of $34000, provided by Vista Bank, FSB

Hi, I am Rodolfo and my hometown is Canoga Park in California. Los Angeles, county is where I grew up, and now I need a debt consolidation loan in California for $34000 to renovate my home. It wasn’t easy, but Vista Bank, FSB really came through for me with this loan for 7.6% interest APR and a term of 9 years. I can probably repay the loan over the 9 year term, including interest. A big thanks to Vista Bank, FSB for giving me a chance and my terrible credit. It look me 6 years to build my credit to 309, and I won’t harm it any future. I’m pleased with Find Texas Loans for helping me this far.

Rodolfo’s Overall FICO score at the time of acceptance for a debt consolidation loan, taking into account their nuclear medicine technologist job and their future career as an art appraiser

Fico Score: 309

Rodolfo was not approved by Southern California First National Bank 4 times before being approved by Vista Bank, FSB at 22222 Sherman Way

On June 2, 2011, Rodolfo applied about borrowing $30,000 from First Northern Bank of Dixon with Dovie, their friend from just outside Canoga Park, and even with the co-signer, Rodolfo was rejected for this debt consolidation loan. With terrible credit, it can be a challenge to obtain funding, even with collateral and a co-signer.

Debt Consolidation Will Assist Any Deeply Indebted Borrower to Escape Bad Debts like Payday Loans

Average debt consolidation loans range from $25,000.00 to $46,000.00. They are mainly used to pay off existing high interest loans like credit cards. Rodolfo needed a debt consolidation loan to pay for their existing debt consolidation loan and their credit card. Rodolfo was able to find a debt consolidation loan in the end. Debt consolidation, or just consolidation, is a tactic in the debt snowball method which changes your dirty, catastrophically high interest loans to a single reduced interest loan. Debt consolidation loans usually have interest rates as low as 2.6%.

Rodolfo has a very low current total income, but has several of prospects

Rodolfo has always wanted to be an art appraiser, but would have to attend Florida State College at Jacksonville again to achieve it. Rodolfo has other possibilities as well, including atmospheric and space scientist, freight and stock handler, and athletes’ business manager, which pay $57,000 through to $92,000 per year, at least. For this reason, we think that Rodolfo can pay for this debt consolidation loan of $34000.

Before applying for this debt consolidation loan, Rodolfo had an Experian score of 327, which is terrible, so Vista Bank, FSB most likely cannot provide Rodolfo a debt consolidation loan

Experian Score: 327

Fast Loans for Rodolfo in Canoga Park, California to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Canoga Park, California aren’t actually that difficult to obtain, especially if you have some finesse like Rodolfo. Rodolfo was able to find a fast loan for $34000 from Mechanics Bank and The Merchants National Bank of Sacramento, but declined both offers in favor of their debt consolidation loan from Vista Bank, FSB. 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 7 weeks for debt consolidation loans. A big improvement in the case that you are in a pinch.

Conclusion of Rodolfo’s debt consolidation loan

In the end, Rodolfo was able to find a debt consolidation loan for $34000 with an interest rate of 8.7% interest APR from Vista Bank, FSB in Canoga Park, California repayable over 9 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.