You never know when you need money urgently. It is good if you have your own financial airbag. But if there is no savings, and the money is required immediately, the person will contact the bank. If the borrower's credit history is not perfect, there is a high probability that the lender will refuse to issue a loan. But in any situation, do not despair. You can try to go through the path of restoring your credit history. There are several ways to do this legally and on your own.
Getting a credit card
Financial institutions have much lower requirements for customers who want to get a credit card. And if a person applied to the bank through which he receives a salary, the plastic registration will take 30 minutes, no additional documents, except for a passport, will be required.
Many banking institutions are ready to issue this product, even if the borrower already has valid contracts. Using a loan and replenishing the card on time, it will be possible to apply for cash, includingsame bank.
The credit card has higher interest rates than conventional consumer loans. But if you use plastic skillfully, you can not pay interest for use. To do this, you must deposit the entire amount of the debt to the account during the grace period.
Given a not too positive credit history and its restoration, you should not count on a large limit on the card. But this is not the goal in this case. It is necessary to make regular and responsible loan payments, creating a positive trend in CI.
As a rule, it is issued in stores that are partners of financial institutions. One of the options for restoring a credit history in banks is obtaining a commodity loan.
This financial product has its benefits.
- To apply, you only need a passport and a second document of your choice. In this case, the specialist does not request a certificate of income, and many data are filled in only at the request of the client.
- Even unofficially employed citizens can get a loan under this program.
- When examining the application form, the specialist will evaluate the client's solvency only by his scoring rating. But it should be noted that with open delays, you should not count on approval of the application. Since even the scoring will have a very low score.
What will this product give to restore credit history? By itself, nothingbut further conscientious fulfillment by the borrower of its obligations will form a positive picture in the eyes of banks. Making monthly payments on time will show lenders that the CI subject is on the path to recovery and will increase its rating.
Consumer loan from a small bank
Small and newly formed financial institutions find it difficult to compete with the giants of the financial industry. For this reason, they are more loyal to the clients who have applied and their reputation.
The lender will be more willing to meet the borrower if the requested amount is small. An important condition is that obligations under the contract must be fulfilled on time. It is not recommended to close the loan prematurely. Banks view quick repayment of debt as an inability to properly manage money. Moreover, in case of early repayment, the lender will not receive part of his interest, which will not be to his liking.
Due to accurate and conscientious repayment, good dynamics will form, and credit history will be restored. The following lenders will be the first to see the debtor's current relationship with their debt obligations.
You can fix your credit history by taking a loan and repaying it on time. But what to do in a situation where the bank does not trust a negligent client and does not approve the loan? After all, then the subject of CI turns out to be a vicious circle. Borrower and its counterpartywill help to come to an agreement on a loan secured by property. The guarantor of the transaction will be residential real estate, non-residential premises, a vehicle and other liquid property. Collateral requirements may vary at a particular bank.
Such a product for restoring a credit history is attractive with large loan amounts, as well as low interest rates. A financial institution can afford a reduced rate due to the fact that it carries minimal risks. If his counterparty fails to fulfill his obligations, the creditor has the right to take the collateral.
Restoration of credit history in "Vostochny" bank
Many people have imperfect credit history. Therefore, banks began to independently promote products that help rehabilitate the reputation of the borrower.
Bank "Vostochny" offers the program "Credit assistance". Its essence is that the client takes a small loan and repays it in good faith within 3 months, gradually increasing his rating. The issued amount is not issued to the borrower, but is withheld by the bank as a fee. A mandatory rule is strict adherence to the repayment schedule. For registration of the contract, official employment is required.
After fulfilling the conditions of the "Credit Assistance", a citizen can apply to the Vostochny Bank for up to 100 thousand rubles. Participation in the program is not obligatoryfinancial institution in issuing a loan.
"Credit Doctor" in "Sovcombank"
The need for borrowed funds may arise unexpectedly, but it is not always possible to borrow from friends. The program helps to increase the rating of those people who, due to circumstances, did not pay their debts very conscientiously, but now they want to correct the unfavorable situation. To restore a credit history, Sovcombank offers its Credit Doctor product in three stages:
- At the first step, the client does not receive funds in his hands, and the amount under the agreement is counted by the lender as a commission for using the program and issuing cards. The amount of 4999 rubles is issued for 3 or 6 months, the second option -9999 for 6 or 9 months.
- At the next stage, Sovcombank offers its client a loan on a card from 10 to 20 thousand rubles, which can only be spent by non-cash payment. Term - 6 months.
- Following the previous paragraph of the program, the user will be able to receive from 30 to 60 thousand for a period of six months to one and a half years. Funds are transferred to the card, the owner can use them both with a non-cash payment method and withdraw in cash.
The borrower is obliged to make payments on time at all stages, it is impossiblepay off the loan early. During this time, it is not allowed to execute other contracts. The bank guarantees the client a loan of up to 100 thousand rubles after the end of the program, provided that all its conditions are met.
It is possible to fix a credit history if the client approaches it wisely. It is important to remember that restoring reputation will take time, but the result will justify itself. Except for the CI subject himself, no one can influence its correction, you cannot trust scammers who offer rehabilitation for money.