When deciding on a loan, banks are now increasingly paying attention not to the level of wages, but to the borrower's credit history. It allows you to assess the decency and solvency of a potential client. In this regard, it is very difficult to get a loan, having a damaged reputation among credit institutions behind your back.
Instructions
Step 1
Contact the credit bureau, which contains complete information about the credit records of all borrowers. It should be noted that each person can get this information about himself once a year for free.
Step 2
If this is not the first time you apply, then you need to clarify the cost of these services. You can also access your credit history through third parties or via the Internet, but most often the information provided will be outdated or inaccurate.
Step 3
Check out your credit file. If you find that a mistake was made or incorrect information was indicated, then you must write a statement to the credit bureau. Please tell us which data is incorrect and ask for corrections. After that, the organization will contact the bank and try to restore the truth.
Step 4
Leave your comments next to the various points in your credit history. It should be noted that this feature is free, but the message is limited to 100 words. In this regard, it is necessary to come up with an accurate and concise explanation of the record that spoils your credit history. These comments will not restore your credit history, but will improve it somewhat.
Step 5
Restore your solvency and repay your existing loans. As a rule, by completing these points, the borrower shows that he had temporary difficulties, which are currently being resolved. As a result, you can try to rewrite your credit history by applying for a new loan and repaying it on time.
Step 6
Contact special organizations that are engaged in the restoration of credit histories. The cost of such services is relatively low, while you will receive a qualified assessment of the current situation and advice on how to restore your reputation. These companies work closely with various banks, so they can assist in obtaining a loan.
