It is very easy to get blacklisted by lenders in an age when loans are distributed right and left, with little or no supporting documents. To do this, it is enough to allow a loan delay. It will be quite difficult to get out of the list of unreliable payers.
It is necessary
- - Reliable and stable work;
- - full repayment of the debt.
Instructions
Step 1
You can get blacklisted for various reasons. For example, if you have a criminal record behind you, banks will be wary. Also under suspicion are people who do not want to answer the bank's questions directly, who are shy, secretive. Banks regard this behavior as a signal of fraud. They can also be sent to the black list if you had a lawsuit with another bank. And even if the truth was on your side. And, of course, the direct way to get into the blacklist is failure to pay the loan installment on time.
Step 2
It is difficult to rectify the situation and get out of the list of debtors, but it is possible. First, you have to pay off your loan. Let there be a delay. But it should be borne in mind that you will have to pay the bank various penalties - interest and fines. But your conscience before the credit institution will be clear.
Step 3
It is also necessary to provide the bank with a document that will allow you to convince the bank that your dishonesty was caused by objective reasons. For example, the fact that at that moment your wages were reduced at work or you were undergoing layoffs. A health certificate is also suitable, for example, that you were on extensive sick leave and did not receive a full salary.
Step 4
In some cases, it is advisable to take out a small loan and repay it quickly and accurately. You can also use early repayment.
Step 5
Be sure to plan your budget. If you have several overdue loans, which is now quite possible and not surprising, divide your efforts between them. Many borrowers will decide to first pay off small loans, and only then take on large ones. But this is a big mistake. After all, banks, first of all, serve to collect large debts, not small ones. By extinguishing small ones, you dissipate your efforts and do not correct the situation.
Step 6
Naturally, you should have a stable and reliable job. Banks trust borrowers who have a reliable income.
Step 7
Get rid of your credit card by paying off your debts first. Such a card is a source of additional loans. Hands are itching to take it and go spend it again. And this leads to an increase in debt. Moreover, there is a fairly high percentage on a credit card, which is very, very difficult to pay off.
