So let us find out in this article what is the credit history, what information it holds and can it be useful for us or not? All these and much more you can find right in this article.

Credit history: compromising materials or indisputable confirmation of credit status? So what is this?

Credit history is nothing else as the list of the information necessary for bank confuting or confirming of credit status of the potential borrower… The positive credit history can sometimes become one of the basic arguments in advantage at attempt to receive a mortgage loan in bank, I think that each of us faced such term, as “credit history”.

Actually any of existing financial structures won’t give out the credit to the potential borrower, without having familiarized previously with its personal credit history (CH). Many people, possibly, think that credit history is nothing else as the compromising evidence scrupulously collected by workers of financial institutions, organizations on the job seeker of a bank loan. It is time to discredit all myths and guesses about it and in detail to explain to all interested persons what the credit history is?

The credit history consists of three parts: title, the basic and additional parts. All parts of the document are equally important and bear everyone the functional loading.

Tako, the title part includes all identification data of the client ever using crediting. Under these requisites search of personal credit history in a database of the Catalogue of Credit Histories also is performed.

The basic part of credit history includes complete “data” about the sums of crediting of the client, about those terms which have been established by bank on repayment of credits, and about actual execution of repayment of credits by the client. The facts of repayment of credits by the client at the expense of provision are specified also. Before to familiarize with the basic part of credit history of the borrower, the user of the Catalogue of Credit Histories should secure with the consent of the borrower. And direct “hero of the festivities”, namely subject of credit history, has a just cause to study the basic part of own credit history.

Additional part of credit history is, in effect, the closed component of the document and contains data on that organization which forms credit history, about the users who had access to given documents, on all dates when corresponding inquiries, etc. With this part of credit history the borrower also has the right to familiarize.

In the light of all data set forth above the indisputable conclusion of that credit history is nothing else as the list of the information necessary for bank confuting or confirming credit status of the potential borrower. The positive credit history can sometimes become one of the basic arguments for benefit of granting to the client of long-term mortgage lending.

Do you still remember those good times when practically anybody could take a credit if one required funds? And just imagine the situation of those who have to carry that burden nowadays when the world economy is facing hard times. And for those people having credits the matter of praćenje kreditnih is as crucial now as never before. Ne radi se samo o kreditu kontrolu, this also allows to save money, vremena, and nerves and be quick in solving loan related problems. Those who are searching for a spot where to find out about kreditni izveštaj, are welcomed to visit this potraživanje monitoring izveštaj lokacija – there is much information about loan monitoring and how to order the service.

In addition we shouldn’t forget about possibilities given to us by digital technologies. The Web network gives a really unique opportunity to discover what we want or to obtain anything on the best terms which are available on the market.

Isplaćujemo saveti

O postojanju kreditnim istorijama je nešto čuo, Možda, Svi koji su imali da uzmu kredit, bez obzira na sumu i onih koji su koristili legitimno pravo da vidim istoriju i da vidim kako to. Takva “reosiguranju”, kao što se pojavljuje, razumno u dijalog sa kojima banke odjednom “iznenada” odbiti prijem kreditne. Dosadna greške ili neusklađenost koja se uvukla u svoju kreditnu istoriju... može da postane uzrok iznenadne i neobjašnjivo bojkota.

Postepeno u našem sistemu banke praksa kada dostupnost pozitivno kreditnu istoriju određuje mogućnost prijema za kredit od banke je sproveden. Bazu podataka od međuregionalne Biro za kreditne istorije sadrži danas više od 2 milion zapise. Saradjuje sa svih regionalnih banaka koje svakodnevno organizovati i pošaljite novu kreditnu “poslove”.

Pokvariti istorija može jedan dan odlaganje svih plaćanja u okviru kredita. I više “zlonamerni” koji nisu obveznici uopšte dugo vremena zaboraviti zasluge resurse kao banke mogu li da pitam istoriji bilo koji duћnik ako je to dostupno, Ne samo u lokalnim kreditni biro, nego i u centralni katalog se skladište naslov delovima sve istorije.

Semaforu za banke je takođe činjenica o kliringu međunarodnih kredita na račun prodaja imovine.

Osim toga, Ljubitelji bankovni krediti nisu preporučuje se promijeniti često za stanovanje i radovi. Tako, Ima li regionalne banke ne odustaju zasluge ako dužinu usluga od potencijalnih zajmoprimac na poslednjem mestu je manje od pola godine.

U procesu razvoja sistema od kreditne istorije tamo nakupiti sve više informacija iz različitih izvora. To znači da je to će postati ne samo međusobne odnose sa bankama, Ali isto tako “Kad smo kod” činjenice, kao naknadu za komunalne usluge, mobilne i stacionarne telekomunikacija, kazne, povreda prava na plastične kartice.

Koju riječ, da pokvarim kreditne istorije je jednostavan posao. To će biti mnogo teže da se oporavi pouzdanost. Nakon svega, u skladu sa zakonom, povijest Zajmoprimci pravnih i fizičkih tela se skladište za 15 godina.

Uprkos tome to po zakonu svaki vlasnik kredita “posao” ima pravo jednom godišnje besplatno da vidite istoriju, nekoliko ljudi je koriste samo ovo pravo. I uzalud.

Čak i ugledni zajmoprimac može iznenada da se pojavi “Nevidljivi bice” za banke koje bez Dodeljivanje bilo kojih razloga — banke imaju na to pravo – će odbiti davanje kredita. Trivijalne greške mogu da postanu nepaћnja razlog.

Moguće je riješiti pitanje, direktno se obratio se u banci koja poseduje “autorstva” jedne greške, ili kroz sud. usput, iz kreditna sposobnost je moguće saznati ni ime osobe koja je dovela svaki zapis, i vremena za ovo.

Seжate li se ta dobra vremena kada svako mogao da potraživanje jedan po potrebi sredstva? I zamislite samo onima koji imaju nositi taj teret ovih dana kada je Svetska ekonomija se suočava sa teškim vremenima stanje. I zbog tih ljudi imaju krediti u pitanju praćenje kreditnih je tako hitno kao nikada pre. Ne radi se samo o kreditu kontrolu, Ovo je takođe pomaže čuvanje novca, vremena, i nemate hrabrosti i biti brz u rešavanju kredit temama vezanim za. Oni koji su u potrazi za mesto gde da saznate više o praćenje kreditnih, prime da idem na ovo potraživanje monitoring izveštaj lokacija – Ima puno informacija o kredit nadgledanje i kako naručiti tu uslugu.

Pored toga nismo mogli da zaboravimo na mogućnosti koje nam je dato od strane digitalne tehnologije. Web mreži daje zaista jedinstvenu priliku da biste saznali šta nam treba, ili saznati nista o najboljim uslovima koji su dostupni na tržištu.