Under certain circumstances, any person who has taken out a loan can get into the debtors of the bank. And even if you have solved the problem, the debtor's status will still affect your credit history, which may be available to other credit institutions through credit bureaus or the information exchange system between banks. You can fix your credit history, but it takes a long time, but how to get a loan if you urgently need money?
Instructions
Step 1
Contact the so-called credit brokers, which provide intermediary services between banks and borrowers. They can provide you with all the information about existing loan offers in banks, as well as represent your interests in relations with the bank and help with the execution of a loan agreement. True, usually their services are not cheap, and there are enough scammers in this area, so you need to be very careful in choosing such a broker.
Step 2
Try to speed up the "fix" of your credit history. You can use the services of relevant organizations or, if time permits, do it yourself, for example, using a credit card. To do this, you need to regularly take borrowed funds and pay them off on time. Then, within a year, your credit limit can be increased and thus your credit history improved.
Step 3
Use the services of a credit cooperative. They are unlikely to check your bank credit history (although this is also possible), but they will ask about your solvency and the availability of collateral. A credit union usually operates on a membership basis and forms its own credit history. Credit unions (cooperatives) can also be “bogus” orchestrated by fraudsters. Therefore, it is better to choose a credit cooperative from the lists of organizations included in regional or federal associations, one way or another guaranteeing the "reliability" of its members.
Step 4
And, finally, recently a P2P lending system has begun to form in Russia, which is very common in the West. There are specialized sites with which you can get a loan from a private person.
