By contacting the bank, you learned that the credit history is spoiled, and employees refuse to issue such necessary funds. How to get out of this situation - our article will tell.
1
Contact another bank. Different banks put different conditions for issuing a loan. And if they refused in one, the other may agree to arrange a deal with you.
2
You can spoil your credit history both by your fault and the fault of the Bank's employees. For example, a delay of payments from 5 to 35 days, unfulfilled fully commitments to financial institutions, regardless of the statute period, payment before the holidays, due to which the delay in the receipt of funds to accounts and so on is your wines. In this case, you will have to try to return the confidence of the bank. For this there are several options:
You can confirm that the delay of payments occurred due to emergency circumstances. For example, you were in the hospital, then a hospital sheet can be provided to the bank. If you have stopped paying wages at a permanent place of work, you must confirm this - provide documents to the bank!
Prove your solvency by providing, for example, extracts for regular utilities for utilities, a certificate of income from a permanent place of work, regular payments on the executive leaf and so on. Documents should show you as a responsible borrower, which returns debts on time and will be able to repay debt on time. Significantly less requirements are presented to those clients who have deposits in the same bank, the opening at least six months ago, as well as payroll cards, retirement cards.
If you really have any arrears - pay off its full before contacting the bank.
Take a loan for a small amount, for example, to buy household appliances. Timely repayment of debt is necessarily. Gradually, the bank will begin to trust you again.
3
There are often cases when all the issues with the bank are solved, and you still learn that the credit history is spoiled. Such a situation may arise as a result of confusion or carelessness of employees. For example, if two single-name clients are served at the same time, his debts can randomly become yours. In this situation, you must contact personally or send a written request to the Bureau of Credit Stories (Bureau) with a request to issue information on your person. The answer will be sent within 30 days.
4
Get acquainted with the result. If there are the facts that you consider unrighteous, then you can challenge them. To do this, you need to make a statement in which all items will be listed with which you do not agree to assure a notarial statement and send the Bureau to the mailbox. If possible, it is worth confirming their comments by the facts (receipts, extracts and other receipts). If your comments are confirmed, the Bureau will fix credit history. Whatever decision is made, you are obliged to notify writing.
5
If the bureau does not agree with your arguments, you have the right to apply to the court to appeal the decision and amend your business.
Correct your credit history is quite difficult. However, there is nothing impossible, because everyone may be mistaken! The faster you will, the faster it will achieve your goal.
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