Having decided to apply to a bank for a loan, you must clearly understand that you will have to pay a certain amount of money every month. It is imperative that you stick to this schedule, as your credit history will depend on your conscientiousness. If it is messed up, you are blacklisted by borrowers. Getting blacklisted is not only about the inability to take out a loan again. The list of services provided by the bank, in general, is greatly reduced for the "guilty". Therefore, the problem needs to be addressed.
Instructions
Step 1
If you are guilty in front of the bank and are blacklisted, this problem can be solved, but be prepared for the fact that it will be very difficult to do. Pay off the debt first. The faster you do this, the more chances you will have of being blacklisted.
Step 2
Then you can try to convince the banker that this was a difficult period and that this will not happen again. Although the likelihood of a positive result is very small. If you've taken loans before and paid them off regularly, use that as an argument.
Step 3
Even if the bank condescends to your pleas, you are unlikely to be able to immediately get a loan for a large amount of money. Take out a loan for a small amount (for example, for the purchase of small household appliances) and repay the debt on time. After the incident with debt, a positive moment should appear in your credit history.
Step 4
In addition to demonstrating your conscientiousness to the bank itself, you must definitely monitor the timely payment of all utilities. You should not have debts to the state.
Step 5
If you can provide a large bond, do so. This will increase the degree of your reliability in the eyes of bankers.
Step 6
Unfortunately, there are times when, due to some technical failures or fraudulent operations, absolutely innocent people get blacklisted.
Step 7
If you are constantly denied a loan, check your credit history. According to the law, you have the right to receive an extract from your history once a year and this service must be provided by the credit bureau free of charge.
Step 8
If you find false information, ask the data holder to correct it.
Step 9
If you are refused, go to court.
