How to fix a credit history and clear the name of the borrower?

Every year, lending becomes an inalienablepart of the life of more and more people, and credit history penetrates into our life and is already its element. Very often people are not able to buy something for cash, because they take out a loan in a bank, not once. However, the problem of this situation can be that if a person has violated the terms of the loan agreement once, he can not already count on re-receiving it. This problem is difficult to solve, but there are still options. Our task is to tell you how to fix a credit history and regain an "honest name" in the bank.

Note that this unpleasant situation canarise both through the fault of the borrower, and through the fault of the creditor. The fact is that everywhere there is a human factor. Of course, bank employees make mistakes extremely rarely, but it is impossible to exclude such a possibility. Therefore, in order not to then have to look for ways how to fix a bad credit history, it is best to use the right of viewing the credit dossier, which is provided to each borrower once a year. If you notice any violations, you must write a statement that the data is not accurate, and attach a copy of the receipt for timely payment to it.

In order to understand this in more detailthe question is, first of all, first find out what the credit history is and how the employees of banks get access to it. This is an extract about what loans borrower borrowed earlier and how he repaid them. And banks receive this document thanks to the services of the credit history bureau with which they have a contract.

First of all, to solve the problem of howto correct a credit history, it is necessary (according to the recommendations of specialists) to take out new loans and pay them off in due time. Of course, a large loan in this situation can not be counted, but a small consumer in this case can be obtained. The most important thing is to fulfill all the terms of the contract so that a positive mark appears in the credit history.

The fact is that this path of correction is verycomplex, and repay on time should not only loans, but also all possible payments: utility, tax and other. Correction of credit history can take several years, during which the borrower can prove that he has corrected, by timely paying the necessary bills. Banks believe that two years is the optimal period, which indicates that a person with a tarnished reputation can already be trusted.

Remember that the chances of solving the problem areeach person, the main thing is to use them in time. Of course, spoiling is easier than fixing. For example, another way to fix a credit history is to get a credit card, which you will use regularly and pay off the debt on time. Then the bank will be able to provide you with a lucrative loan after a while. If employees have questions about your past loans, try to explain everything, tell us about financial difficulties. Of course, if you did not repay the loan in principle, do not expand on it to preserve the reputation of a decent borrower.

Many may wonder howto fix the credit history completely, that is, to clear it? Unfortunately, this option is not possible. When signing the contract, you agree with the point that the bank can transfer data about you to the credit history bureau. If there are any problems in its preparation, for example, the presence of unnecessary items, you should contact the bank, which should conduct an investigation for an error. According to the arguments provided, the bank's employees will take appropriate measures.