Today, you can buy almost everything on credit, and there is no such person who has not used borrowed funds at least once. A large percentage of non-fulfillment of credit obligations forced banks to organize their own customer database, which reflects the entire credit history of a person. There is a black list, a white list, and all the rest.
It is necessary
- - payment documents for the loan;
- - a certificate of the closing of the loan and the absence of the bank's claims on the loan.
Instructions
Step 1
There are many different reasons for the need to delete your credit history, and there are even more of those who want to. Few people know that the NBCH has kept credit history for 15 years since its last update. It's almost impossible to delete your credit history, only improve it. Do not rush to get upset, after all, there have been cases of removing unpleasant reviews. First you need to request your credit history. Call the hotline of the National Bureau of Credit Histories (+7 495 221 78 37).
Step 2
In the event that you are more than sure that your credit history is not justified, mistakenly soiled, then be sure to ask the bank for explanations. Do not just demand, but figure out why this situation has arisen. If you can prove that this information is not true, then it will be removed from the database.
Step 3
Sometimes your credit history is spoiled by very insignificant moments - a bank card debt, even a small one (10 rubles), makes you a hard-core defaulter. In this case, it is enough to extinguish it, and your story will become much better.
Step 4
Your credit history is actually damaged, or you failed to prove that the information is erroneous, then just try to improve it. To do this, take out a small loan first and pay it off on time. Then take out a loan for a slightly larger amount, and again you are required to perform flawlessly on your loan obligations. Such small loans and impeccable fulfillment of conditions can change the attitude of banks towards you. And therefore, improve your credit history.
