How can I fix my credit history? Ways and options
How to fix credit history ... Advice - not to violate payment discipline - is formally good. But living people tend to fall under the influence of the human factor: vacation amnesia; gambling shopping; sad events. These and other reasons affect the filling of the purse with bills and the rate of repayment of debts. Including loans.
Flows of information
Banks archive customer information. Centrally information is collected in specialized organizations - credit bureaus. A person who fails to meet the payment deadlines for a period of more than three months receives a record of carelessness and lack of discipline in the file.
Information from banks, offices of “fast money”, bailiffs, housing and communal services, telecommunication companies are entered into the file. It collects information on arrears on loans and rent, telephone services and alimony.
Now in the case of adding information about individuals bankrupt.
Is it possible to correct credit history by repaying a loan by paying for electricity, gas and a telephone; listing alimony native children?
Unfortunately debtors, the records remain in the dossier even with the elimination of debts. Improve the story can only positive actions.
What is needed
Banks make a decision on granting a loan based on information from the credit history. Statistics figure: 80% of citizens took a loan at least once. But there are people who bypassed banks on the principle of "you take someone else's pennies, and you give away your own rubles." In addition, there is a natural rotation of borrowers: the old generation is leaving, young shoots are beginning to look for mortgages and car loans.
Banks are interested in issuing loans to individuals. This is one of the components of KFU income. But a negative credit history will affect the size and duration of the loan, the interest rate for using other people's funds.
On the contrary, a clean dossier will help to get the maximum amount for the period required by the client and at a relatively low percentage. For flawless customers, banks offer “interest holidays” - a delay of one month of the first payment. For example, a client made a loan on September 10th. The first payment on schedule should be October 10.But a positive dossier has creditors, and the client is given a delay until November 10.
A problem-free customer is met when setting the date for repayment of monthly payments. For example, urgently needed finance, a loan issued on September 3. Maturity date was the third day of each month. And the employer lists the finances on the card on their own schedule - 11 numbers. In order to avoid conflicts, the bank, upon the client’s request, sets a new maturity date - the 11th.
When major expenditures are coming, and own free resources to spare, KFU will come to the rescue. A person fills out a loan application form. A bank employee checks the details in the credit bureau and finds a negative in the applicant's file.
Can I fix a bad credit history? You can, but it will take time. Therefore, users of debt money need to learn:
- When making the last payment, it is useful to immediately request in KFU a certificate of loan repayment and the absence of debt.
- Regularly request a credit report from your credit bureau. Once a year the bureau is obliged to respond to a request for free.Banks provide a similar service only for money.
Credit history can be requested as often as you wish, but you have to prepare for spending in the amount of 200-700 rubles per wish.
What change plus a minus
Under the conditions of total debt load, 10% of job seekers are puzzled by the problem: how to fix a bad credit history. The point is not only in the possible refusal of the KFU. A positive decision can be made by the lender, but the conditions for the client will be offered enslaving: the maximum interest rate, the shortest period of use of the loan and the minimum possible amount.
Self-control and self-restraint is necessary in order to get a loan. Small payments in the form of rent, subscriber amount for a landline phone and a quarter of the salary for the maintenance of your own minor child should be paid regularly and on time. Credits to take into account available funds, but not at will. For example, a person receives 30 thousand a month. Of these, 400 rubles are spent for the telephone, 6,000 rubles for utility payments, 800 rubles for travel to work and back, and 7,500 rubles for the maintenance of the child. Total expenses are 14,700 rubles.Free money - 15 300 rubles. This amount should be discussed with a bank employee to correctly determine the amount of available credit.
How can I fix my credit history? Find out which of the 17 BKI stores the required history. Write a statement and send it by Russian Post. You can come personally to the office of the bureau if this organization is located in the place of residence of the interested person. "Bad" lines will not remove. But the erroneous information will correct.
Methods and tools of repair
Is it possible to fix the credit history with the help of the CII itself?
Suppose a bureau receives a report on the financial loyalty of an interested person. The content of the report is replete with lines of late payments. But the client is 100% sure that there were no delays. It is documented by cashier checks - the amounts are repaid on schedule. Where can I fix my credit history?
First of all, a written application is addressed to the bank or microfinance organization that issued the loan. "Please make corrections ...". Formally, KFU has the right to delay the response of 30 days.
If within a month the lender refuses to correct the file or keep silent, you should immediately contact the credit bureau. Failure to correct should be motivated.If the application of the affected party is fully justified, the bureau will make the necessary adjustments. Credit history will be as good as new.
The person is denied a loan, leaves the office with the thought: "How can I fix my credit history right now ...". In this case, it is harmful to rush to accept the services of well-wishers. The temptation of an “easy” victory over a bank should be overcome.
Three credit history fraud schemes are known:
- Advance payment. The defendants convince the client that the car will not budge without a preliminary payment. Having received the stated amount, the scammers disappear. The client is happy that not all cash was taken away, but only a small part.
- Cunning people compose a fake about a loan that has already been issued and send information to the bureau, of which they are sure of unreliable protection. Recognition of a fake is not always possible for employees of the CII. Not all Russian credit bureaus have a control and security service.
- Improvement of CI under the contract. The parties formally conclude an agreement on the improvement of the dossier. The man to whom the banks refused, still receives a loan in the company "Horns and hoofs."But the creditor does not pay interest on the loan, but for the transfer of information to the CII.
How can credit history be corrected in case of delinquency? Each credit institution forms its own criteria. But for most banks, the delay in current payments for up to 30 days does not represent a tragedy. Participants in debt financing take into account the human factor:
- hospital treatment;
- vacation without the possibility of making planned payments;
- sudden spending with emptying your wallet to zero.
But in the case of non-payment of the planned contribution within three months, information about the non-execution of the client will be entered in the annals. The duration of the negative impact on the scoring score is three years. Deletion of information is not subject. There is no subject capable of erasing the negative in the borrower's file. A suitable way to improve performance is to get a loan for an amount that is available to the personal budget for 6 months and carefully pay off the debt. New entries will make a positive impression on lenders.
Unable to delete. To fix
Having exhausted their own health and the nerves of others in search of an answer to the questionabout how you can fix a credit history, a person plans to remove the unfortunate material. Vain throwing. The reference to the person is not limited to storage.
Available only correction of invalid information:
- specification of the parameters of the identity card;
- deletion of duplicate information;
- the introduction of the true values of the repayment of previously received loans.
Places need to know
Addresses, location and Internet pages of each of the existing bureaus are posted on the website of the Central Bank of the Russian Federation.
CIAs accept applications for review and establish the reasons for non-compliance. If the error clearly occurred due to the fault of the bank, then the record from the file will be removed. If the client is to blame, then the adjustment will not follow.
A frequent cause of violations is the late receipt of payment to the creditor's account. It is useful for the client to remember that it takes time to move money, including electronic ones. If the loan is issued in Bank A, and repayment is conducted through Bank B, then the period will take three days. Sometimes the payment comes in five days. Therefore, in order to maintain the schedule and keep the credit history clean, it is better to pay the debt in advance.