citizens who have problems in the past with the return of bank loans, often wondered what the banks do not check credit history.The fact that the presence of such "greshkov" may call into question the possibility of obtaining loans in the present and the future.As you know, credit and financial institutions that provide money to lend - the main reinsurers in the world.Once scalded milk, and water are subsequently will blow.In that something untoward no.Simply providing funds at interest based on three principles: the urgency, serviceability, and - most importantly - reflexivity.If at least one of the conditions is not met, the loss can be formed.Who will like it?
Until October 2008, few people were interested in what the banks do not check credit history.Why is that?Because most of them do not.Money is distributed to the right and to the left.Moreover, the possibility that they will not return back, lenders are not very frightened.But it must be said that fraud had taken place quite often.Serious losses that began to carry the lenders forced the last few change its strategy.
Today, the answer to the question of which banks do not check credit history is not so simple.Because most of them tend to still do it.Why is "eager"?Because without the written permission of the borrower do not.Clearly, if he refuses all kinds of tests, and the opinion of the bank will develop appropriate.Up until failure.
Currently, banks do not check credit history - those whose activity is based on providing express loans.Because everything about everything goes from twenty minutes to an hour, then there can be no assessment of solvency.However, the safety net is still there: the percentage of such programs twice or even three times higher than in classical.
Fix all
Unfortunately, we all commit mistakes.In some cases, you can not return anything.Here, for example, you can fix credit history.Suppose a couple of times you do not wait too long to make the monthly payment.The usual situation: in the department where you would normally have done, turn off the light.Alternatively, the payment through another financial institution was not three days and five.In this case, it helps some consumer loans taken and paid on time.Just note, prepayment obligations positively to your "karma" will not affect.
also can not search for what the banks do not check credit history, but simply make a deposit where the conditions for the issuance of mortgages, for example, seem to be the most interesting to you.What is the connection between these moments?The fact that the monthly replenishment of your account - it's a great signal to potential creditors.A couple of months to throw money at the expense ... and you translate into the category of disciplined customers.It is easy, right?Moreover, now you can freely apply for registration of your loan.The probability that you will not give up, is quite large.Of course, we are talking about the request to the financial institution where the deposit was opened.
