In Ukraine, since 2006, has appeared more than one credit bureau, whose activity is connected with the collection of all the information about borrowers. Can affect the impeccable credit history or criminal history, family debts of borrowers?
That take into account banks
As a rule, banks take into account only the customer's solvency, but also take into account how punctual he extinguishes the debt on loans. If positive credit history, it gives an opportunity to get future credit on a preferential basis. But if the reputation is not clear, then the borrower can and do refuse to grant credit, and in several banks.
How and what you can ruin your credit history? For example, you can not repay the loan over some trifle, well, let's say, a digital camera, and that soon you will need a new loan is on a major purchase, say a car. So, taking into account your history of credit, the chance to get a car on credit you are almost minimal.
Relatives are not taken into account
According to the laws of Ukraine in the form of credit history, which led into office, enter only the data taken by the borrower credit, there is the schedule of repayment, whether there were late payments or litigation with the banks. Also there are marked information about work, wages, costs per month, and marital status. But what no information about their relatives missing.
Themselves financial institutions if they wish to learn about the credit history of your relatives are unlikely because of the stories have limited access. Such information will provide the bank only provided that it has the written consent of the client. In addition, no one has the right to make a request for credit file information about the health of the client or his criminal record.
So keep in mind that if the bank refused to issue you a loan, then 100% the only problem is you and your dysfunctional family to this are irrelevant. If you are disciplined by the payer, then you're in the right to contact the credit bureau for verification or if the need can change your credit history, if this was not true, you can file a lawsuit to challenge or simply to protest.
But if, for example, you have relatives - a successful businessman, whose excellent reputation, this in turn can influence or help get you a loan. To do this, this relative should be to make the surety and to allow the bank to explore its credit history.
Credit inherited
In the case of death of the borrower, his credit can go to relatives in families. Of course, the first bank employees will try to peacefully settle this issue with you. And if someone from the working family members would agree, then simply re-conclude the loan on it.
Please note that the debt on the loan deceased person will need to pay only if the financial institution for six months to present a claim to heirs will apply a notary or submits a claim to court.
In order not to deal with these not so pleasant moments, some banks are now urging borrowers to insure their lives. In these versions with the bank will pay the insurance company.
That take into account banks
As a rule, banks take into account only the customer's solvency, but also take into account how punctual he extinguishes the debt on loans. If positive credit history, it gives an opportunity to get future credit on a preferential basis. But if the reputation is not clear, then the borrower can and do refuse to grant credit, and in several banks.
How and what you can ruin your credit history? For example, you can not repay the loan over some trifle, well, let's say, a digital camera, and that soon you will need a new loan is on a major purchase, say a car. So, taking into account your history of credit, the chance to get a car on credit you are almost minimal.
Relatives are not taken into account
According to the laws of Ukraine in the form of credit history, which led into office, enter only the data taken by the borrower credit, there is the schedule of repayment, whether there were late payments or litigation with the banks. Also there are marked information about work, wages, costs per month, and marital status. But what no information about their relatives missing.
Themselves financial institutions if they wish to learn about the credit history of your relatives are unlikely because of the stories have limited access. Such information will provide the bank only provided that it has the written consent of the client. In addition, no one has the right to make a request for credit file information about the health of the client or his criminal record.
So keep in mind that if the bank refused to issue you a loan, then 100% the only problem is you and your dysfunctional family to this are irrelevant. If you are disciplined by the payer, then you're in the right to contact the credit bureau for verification or if the need can change your credit history, if this was not true, you can file a lawsuit to challenge or simply to protest.
But if, for example, you have relatives - a successful businessman, whose excellent reputation, this in turn can influence or help get you a loan. To do this, this relative should be to make the surety and to allow the bank to explore its credit history.
Credit inherited
In the case of death of the borrower, his credit can go to relatives in families. Of course, the first bank employees will try to peacefully settle this issue with you. And if someone from the working family members would agree, then simply re-conclude the loan on it.
Please note that the debt on the loan deceased person will need to pay only if the financial institution for six months to present a claim to heirs will apply a notary or submits a claim to court.
In order not to deal with these not so pleasant moments, some banks are now urging borrowers to insure their lives. In these versions with the bank will pay the insurance company.
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