Variable rate vs fixed for consolidation
Don't hold your breath on getting the loan.....Wells Fargo Consolidations are almost impossible to get and your utilization is enough to disqualify you. That late will automatically disqualify you. Do you have a cosignor???
Yea I have a cosigner. I also am a current customer with them, if that helps any. I have 2 private loans through them that are in good standing. And I am hoping the late payment thing gets taken care off. I have check report from my bank that shows the money was sent to them.
Your co-signer will need to have a VERY good credit score. I believe it has to be at least 750, especially with the amount you want to consolidate.
Also to add, being a Wells Fargo customer does help as far as getting a small interest rate deduction.