The conditions of modern life force many people at least once to take advantage of the consumer loan. Making a loan, people are confident that they will cope with his timely payment, but sometimes circumstances may change, because of what monthly payments are delays, and sometimes a loan is not paid at all. Therefore, banks came to a decision on the creation of the National Bureau of Credit Stories, where there are white and black lists where conscientious payers and non-payers are listed. But this does not mean that a person who is in the black list of the NBKI cannot be reassembled in the bank. When a denial of one bank fails, in the other, many think about how to remove credit history.
1
The case with the case of a person issuing a loan will start with his personal consent and can be transmitted only with written confirmation. The case is stored in the NBDE 15 years, after that it is automatically deleted. This is the easiest way to remove credit history.
2
Each client has the right not to sign an agreement on viewing credit history when applies for the design of the next loan. Such an application of banks approve only in 15% of cases and issued loans under the biggest interest for the minimum term. But it can help fix credit history.
3
To improve credit history, you can take a small amount, for example, 15-20 thousand rubles. After repayment, you have the opportunity to take a loan for a large amount, for example, 30-40 thousand rubles. Paying this loan, you can take another loan for an even more. Gradually, your credit history will improve, over time you will be able to ask the bank from the bank.
4
Sometimes there are situations that the client should have a small amount to the bank. This may happen due to the fact that the amount of the latest payment of the previous loan was calculated incorrectly. It is enough to repay this debt, and the bank without problems will issue a loan.
5
If you are sure that you have no arrears in your loan payment, you can request your credit history at the National Bureau of Credit Stories. You will receive an extract from your business where you can check the data and find out the wrong information. If the credit history data is incorrect, it is necessary to write an application with an indication of incorrect information, assure the request from the notary and send by mail or attributed personally to the NBKI. The Bureau will request your credit history with your credit history. If she again turns out to be wrong, you should apply to the court and attract the bank to justice. If you manage to prove that your credit history is unreasonably corrupted, the NBKI or the bank will delete it.
6
You can terminate the contract for the storage of your personal data. To do this, write a statement to the court, referring to Art. 9 FZ. "On personal data." The article states that the use of information without the consent of the owner is unacceptable.
On the Internet, fraudsters offer to remove a damaged credit history for a certain remuneration. Only a bureau employee who has access to this information can completely delete a credit history. Another radical way to remove history is the change of passport data, including the names and place of residence. However, banks and NBS are often able to track such frauds.
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