Credit with a damaged credit history
Credit with a damaged credit history
Is it real to get a loan with a damaged creditHistory? This issue is of interest to many borrowers, because with everyone there can be different situations, as a result of which there will not be an opportunity to pay for the loan on time: illness, salary delay, dismissal from work, etc. As a result, a spoiled credit dossier. Get the next loan from the bank will be more difficult.
In this case, great importance is played byas a result of which the credit history became spoiled. If the borrower has delayed payment on the loan 1 or 2 times, then, having a bad credit history, it is possible to get a new loan. But if the case is brought to court, since the loan is not paid, then the bank is unlikely to give the client a new loan. Information about the damaged credit history of such a borrower is available to all banks. Therefore, before issuing a loan, the bank is forced to check the credit history of its client.
The bank is interested in each client and does notBefore a task to spoil his credit history. If it is not possible to make a timely payment on the loan, it is better to discuss this problem together with the bank. But in fact it happens differently - the client starts hiding from the bank and significantly exacerbates his situation. The bank transfers the borrower's debt to the collectors.
Features of obtaining a loan with a damaged credit history
• If you have been given a loan in a bank and, subsequently, you have worsened your credit history, then the next loan is unlikely to be given out to you, or you will receive it with a higher interest.
• To take a loan for a larger amount is also unlikelyWhether it will be possible. Although a loan for urgent needs of up to 100,000 rubles can be obtained relatively easily. The risks of such loans are already included in their cost. They are issued in 30 minutes and the borrower is not specifically checked. If you have a violation of payments, then such a loan you can not give.
• If you find a bank that issues a loan,Despite the damaged credit history, you will have to produce a full package of documents and check you will be more carefully than another client.
• If you have been given a loan despite a badcredit history, then try to justify the trust and make payments on time. As a result, your credit history will be better and there is a possibility for further cooperation to get a large amount with reduced interest.
• Customer credit histories are stored for 15 years. After this period you can get a loan again.
The competition for banks is as followsorganizations: pawnshops, credit cooperatives, microfinance organizations (MFIs) and credit exchanges. In these organizations are not engaged in checking credit histories.
In the pawnshop they give out money on the security of valuable thingsWithout documents and without guarantors. The value of the loan is commensurate with the value of the thing or below it. The interest is approximately 24-36% per annum. MFIs give loans in the amount of up to 100 000 rubles, at 100% per annum.
The credit consumer cooperative isassociation of individuals and legal entities. To get a loan in this organization, you need to become a member. The size of the interest rate depends on the size and term of the loan and is 12-25% per year.
Credit exchanges issue loans of up to 100,000 rubles, do not require documents. The interest rate in this case can reach 30% per annum.
Let's summarize, there are banks to replace, but interest rates are much higher. It is better not to allow delays in payments for a loan, and then your credit file will be good.
