Well, how can I get a loan?Really no bank is ready to issue a loan if he spoiled credit history ?!Will torturing himself with endless rhetorical questions borrower.No, get a loan with bad credit history possible.But count on a loan with a low interest rate is not necessary.
sluagh Often, the borrower goes to dozens of banks wanting to get a loan with bad credit history and receives constant failures.
considering an application for a loan, the bank or MFI, will want to check to whom they issue credit, and much they risk their money.For this purpose, the bank asks the borrower's identity, sends them to the credit bureau, in order to understand what is the risk of default on the loan of a particular person.The credit history of an individual, the information is stored on previously issued loans, delinquency, or of the transfer of credit accounts in kollektrskoe agency.Of course, if a person's credit history was ruined, due to its low financial discipline, there is a great probability of failure.
But the reasons for which the borrower is left with damaged credit history can be a lot, it is a disease, and dismissal or family circumstances.And the banks, as a rule, go towards borrowers who face temporary financial difficulties, and easily provide delay or so-called vacation credit.The Bank may provide for the postponement of the next payment if the borrower goes to the bank in advance.In the case of holidays, the bank will not spoil the content of credit history, and it will remain clean.
Unfortunately, many borrowers are not aware of these options, provided by the bank.And the borrower fails to notify the Bank of temporary difficulties, eventually gets damaged credit history.
According to the Law on Credit Histories, the subject of credit history may appeal damaged credit history.To do this, you need to write a letter to the credit bureaus indicating what information in stories is not true, and attach to the application justify this fact.
After testing, the bureau will inform the applicant by letter of the results of the audit and make the appropriate changes in the previously damaged credit history.
Yet, if the records contained in a credit history, untrue, and the applicant was unable to provide substantiation, the credit bureau can no longer respond to the statement of the subject.
In this case, fix bad credit history can only fix its relation to financial liabilities.Subject tainted credit history can take even at unattractive conditions consumer credit, pay it without arrears and thus form a new record in its history, increasing thus its credit rating.
