How to get a loan during corrupted credit history

For the lender, the dark financial past of the potential client is a specific "stop" when making a new loan. Of course, the problem borrower to get a loan is much more difficult than the borrower with an ideal credit "ground fee", but still really.

Borrowers with a spoiled financial reputation get a loan in the banking institution is quite difficult. After all, crediting is the possibility of obtaining a solid profit and one of the main articles of bankers' income, so naturally, they are interested only in disciplined and executive clients. True, so far there are a number of banks that go to meet and issue loans to borrowers with a "stained" credit history.

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First of all, contact those banks where you have an current account or deposit, but be prepared for the fact that lending conditions will be sufficiently rigid (high interest rate, provision of collateral, a guarantee of third parties), and your obligations are elevated. Also take on a notes of small little-known banks that are gaining a client base. It is best to seek a loan during the launch of a new product or action.

Apply for a credit card. As a rule, when making a credit card, the information that the client provides in the application-questionnaire is taken into account, and the increased risk of bankers compensate for a small limit and a high interest rate. True, if you make timely payment on the map in the Grace-period established by the credit contract (it is also called preferential), then a huge overpayment can be avoided.

If banks refuse to issue a loan, refer to officially registered firms that are engaged in microcredit. As a rule, they are not interested in your past, and the present state of affairs. You will require a minimum of documents, and you will receive money in the shortest possible time. Of course, not everything is so sweet, as it seems at first glance: "borrow" such firms will have a modest small amount, and for a short time and under a very high percentage. And yet - before signing the contract, carefully read it in order to subsequently avoid such unpleasant "surprises" as hidden commissions, etc.

Contact an intermediary. Sometimes it is possible to help in obtaining a loan a borrower with a negative credit history, only an experienced specialist is a credit consultant (it is a credit broker). His task is to convince the lender in that now you are an executive and conscientious payer. Professional and experienced credit broker, using partnerships with banks and other credit institutions, will help get the necessary money loan to the most suitable conditions for you. Of course, the services of such a "assistant" paid - as a rule, this is a certain percentage of the loan received by the client.

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And finally: Having received a new loan, do not allow slippers, repay it in a timely manner and disciplined. After all, according to statistics, the main causes of arrears in borrowers are irresponsibility and disadvantage, and only after them are financial difficulties.