To protect their own working capital and to protect themselves from attacks by hackers, banks carefully check their potential borrowers. If a potential client does not have any problems with the law and finances, then you should not worry about getting a cash loan at all. But if at least once the borrower stumbled and violated the terms of the loan agreement, then in 100% of cases the client will get into the “black list” of banks. What does this mean for him?
The black list is a list of unscrupulous Bank payers on loans, which is formed directly by the lender company. In addition, banks use a huge number of other lists.
What are the lists of bank debtors?
At the moment, the following lists of “delinquent” borrowers have been formed:
- Private plan lists
- Lists of bailiffs
- Collection lists
- BKI lists
A list of private plan
This type of list is available in every credit company. This is a list that allows the security service to track how the loan is being repaid. It is on the basis of them that the company’s employees make a call and inform the “forgetters” about the payment date. That you should make a monthly payment before the “nth” day of the month.
Lists of bailiffs
When the loan is not paid and the customer refuses to repay it, then the Bank goes to court. After the decision is made, bailiffs enter the case. They seize the client’s property in favor of the lender on the basis of a court decision. For this purpose, lists of bailiffs are made.
Getting on these lists doesn’t Bode well. The managers of the banks provide lists of debtors to collectors. Then the Agency begins the process of”knocking out money”. And in some cases literally.
The black list of debtors to the credit bureau
BKI maintain lists of debtors and those who have been fined for money loans specifically to protect banks from fraudsters and malicious violators. Any financial organization that is engaged in lending to the population has access to the lists of BKI. The Bureau stores the credit history of all citizens of the country who have used the services of banks at least once in their lives.
It is on the basis of the credit history that the lender Bank makes a decision: to issue a loan to a potential borrower or to refuse it.
In addition, if a citizen has previously issued money loans and he is going to travel outside the country, it makes sense to contact the Bureau and ask about the state of the credit history. BCI cooperates not only with credit companies, but also with government agencies such as bailiffs, police and customs. Therefore, if the client is on the list of debtors, then his chances of flying abroad become unrealistically small.
Attention! Any resident of the country can request information about the state of their credit history for free once a year.