And which banks do not check the credit history?

Citizens who have problems with the return of bank loans in the past are often interested in what banks do not check the credit history. The fact is that the presence of such "sins" may call into question the possibility of obtaining loans in the present and future. As is known, credit and financial institutions that lend money are the main reinsurers in this world. Once burned in milk, they will also blow on the water in the future. And in this there is nothing reprehensible. Just the provision of financial resources under the interest is based on three principles: urgency, payability and - most importantly - recurrence. If at least one of the conditions is not met, then losses can occur. Who will like this?

Until October 2008, few people were interested, which banks do not check the credit history. Why? Because most of them did not. Money was distributed to the right and to the left. And the possibility that they will not return back is not very frightening for the creditors. But it must be said that cases of fraud have occurred quite often. Serious losses, which started to carry creditors, forced the latter to change their strategy somewhat.

Today, to answer the question about which banks do not check the credit history, it is not so simple. Because most of them are eager to do it. Why are they "striving"? Because without the written permission of the borrower, this can not be done. It is clear, if he refuses all sorts of checks, then the opinion of the bank will be appropriate. Up to the point of refusal.

At present, banks that do not audit the credit history are those whose activities are based on the provision of express loans. Since everything goes on about everything from twenty minutes to an hour, then it's not until the assessment of solvency. True, the insurance does not go anywhere: the percentage of such programs is twice, or even three times higher than in the classical ones.

Fix all

Unfortunately, we all make mistakes. In some cases, nothing can be returned. But, for example, you can fix a credit history. Suppose a couple of times you do not have time to make a monthly payment. The usual situation: in the office, where you usually did it, turned off the light. Or the payment through another credit and financial institution was not three days, but five. In this case, several consumer loans, taken and paid on time, will help. Just pay attention, early repayment of obligations positively on your "karma" will not affect.

Also, you can not look for banks that do not check the credit history, but simply issue a deposit where the conditions for issuing a mortgage, for example, seem to you the most interesting. What is the connection between these moments? The fact is that monthly replenishment of your account is a great signal for a potential lender. A couple of months you throw money on the account and ... you are transferred to the category of disciplined customers. It's easy, right? Moreover, now you can freely apply for the loan you are interested in. The probability that you will not be refused is quite large. Of course, this is a question of requesting the bank institution where the deposit was opened.