A bad credit history brings a lot of inconvenience, banks refuse to give credit, which is sometimes so necessary for complete happiness. But this is only a visible problem, collection agencies are also on the alert and make visits to the unlucky debtor. It is good that the credit history can be corrected, which cannot be said about the collectors, they will continue to make unexpected visits.
Instructions
Step 1
To fix your credit history, take out a small loan from a bank that does not make inquiries at the credit bureau. There are actually many such banks, so if you put in a little effort your search will be successful. After the approval of the loan application, try to repay it a little earlier than the due date for a few days. When you pay off the full amount, your credit history will improve and banks will be more willing to cooperate with you.
Step 2
You can come to any bank and write a statement to the security service. Your application will be considered, but you should not hope for a large amount. If approved, you will be given a minimum loan at a maximum interest rate. But be patient, next time you will be given a loan under the general terms of lending.
Step 3
You can also make contact with the previous bank to which you owe money. If your problem is reviewed and you pay off the debt, your credit history may be changed. Only now, not all banks want to communicate with the debtor, but it's still worth a try.
