Today, many goods can be purchased on credit, and most residents of large cities have used borrowed funds at least once. A large proportion of defaulted loan obligations forced banks to organize their database of customer information, which reflects the entire credit history of a person. In it, all citizens who took out a loan are assigned to a black or white list.
Instructions
Step 1
There are many different reasons for the need to clear your credit history, and there are even more who want to do it. Few people know that credit information is stored in the NBCH for 15 years from the date of its last update. Clearing your credit history is quite difficult, you can only improve it. However, do not rush to get upset, as there have been cases of deleting unpleasant reviews. First you need to make a request for your credit history. To do this, call the hotline of the National Bureau of Credit Histories at +7 (495) 221 78 37.
Step 2
If you are absolutely sure that your credit reputation is mistakenly and not justified, be sure to ask for an explanation from the bank. Don't just ask, but figure out the reason for this situation. If you succeed in proving that such information is not true, it will be required to remove it from the database.
Step 3
Sometimes the credit history gets spoiled by very minor moments. So, for example, a credit card debt in the amount of ten rubles can make you a hard-core defaulter. In this situation, it is enough to pay off, and your reputation will improve.
Step 4
If your credit history is actually damaged by untimely fulfillment of obligations, or you were unable to refute erroneous information, just try to improve your reputation. To do this, first take a loan for a small amount and pay it off on time. Next, apply for a loan for a slightly larger amount, and again repay it flawlessly. Such small loans and responsible execution of the terms of the contract will change the attitude of banks towards you. Consequently, they will improve your credit history. At the end of the loan period, do not forget to request a certificate of absence of debt. And also keep all receipts confirming the fact of payment of the monthly payment.
