Banks in the process of issuing and issuing loans can face a variety of people and, unfortunately, not all clients fulfill their direct responsibilities in full and on time.
In order to avoid any problems, any potential borrower is first and foremost studied. The study of the borrower is understood as the study of his credit history. In some cases, in addition to a detailed study of the credit history, a special "black list" is also created, in which the data of those borrowers who either periodically or constantly do not return loans are entered.
The "black list" in any bank is available exclusively for its personnel, because, according to the law of information retention, the bank does not have the right to disclose personal information about the client. This law is officially called the Personal Secrecy Law. If it is you who were denied a particular loan without explaining the reasons (and this, by the way, is the right of the bank), you should nevertheless thoroughly find out the reason for the denial. If you are 100% confident in yourself and that you are able to close your loans, then it is quite possible that there was some kind of error or failure. In this case, you should make an appropriate request in a free form, having previously certified it with a notary.
It will be extremely useful to know that once a year you can be provided with a credit history, and absolutely free of charge. If, however, there is any problem with the search for your credit history, you should contact a special unit - the Central Catalog of Credit Histories, and which information is always available on the official website of the Bank of Russia. You can easily go to the website of such a bank, fill out the questionnaire offered to you and send a request. Of course, an answer will be sent to the e-mail indicated by you personally. Especially in order to make such a request, you need to know the exact code of the subject, and for this you need to contact absolutely any bank, commercial or state. You can also contact the credit bureau with the same request. There it is necessary to submit an application with a personal request for the provision of all the lists of bureaus in which your credit histories may be located personally. But in this way, it will no longer be possible to acquire your credit history for free.
What are the main reasons for being included in such a blacklist?
- Breach of obligations
- Fraud
- The surety of an unscrupulous person
- Alcohol intoxication during paperwork
- Having tattoos, swear words, or a criminal record
- Presence of convictions under some articles
Of course, these are far from all the reasons that can put you on the black list, but if you are really confident in yourself, it would be best for you not only to find out, but to achieve the reasons for the refusal.
