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?

Hanes credyd yn ddim byd arall fel y rhestr o'r wybodaeth angenrheidiol ar gyfer banc confuting neu gadarnhau statws credyd y benthyciwr posibl… Weithiau gall hanes credyd cadarnhaol yn dod yn un o'r dadleuon sylfaenol yn fantais mewn ymgais i gael benthyciad morgais mewn banc, Credaf fod pob un ohonom yn wynebu tymor o'r fath, fel "hanes credyd".

Mewn gwirionedd ni fydd unrhyw un o'r strwythurau ariannol presennol yn rhoi allan y credyd i'r benthyciwr posibl, heb gael familiarized o'r blaen gyda ei hanes credyd personol (CH). Llawer o bobl, o bosibl, yn credu bod dim byd arall fel tystiolaeth beryglu hollol a gasglwyd gan weithwyr o sefydliadau ariannol yn hanes credyd, sefydliadau ar y ceisiwr swydd o fenthyciad banc. 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.

Felly, 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, ac ati. With this part of credit history the borrower also has the right to familiarize.

Yng ngoleuni'r holl set ddata uchod casgliad diamheuol o hynny ymlaen yn hanes credyd dim arall fel y rhestr o'r wybodaeth angenrheidiol ar gyfer confuting banc neu cadarnhau statws credyd y benthyciwr posibl. Weithiau gall hanes credyd cadarnhaol yn dod yn un o'r dadleuon sylfaenol er budd i ganiatáu i'r cleient o fenthyciadau tymor hir morgais.

Ydych chi'n dal i cofio amseroedd da hynny pan ymarferol pawb gallai gymryd credyd os oedd un angen cronfeydd? A Dychmygwch y sefyllfa y rhai sy'n gorfod ysgwyddo'r baich hwnnw y dyddiau hyn pan economi'r byd yn wynebu adegau anodd. Ac ar gyfer y bobl hynny yn cael credydau y mater o monitro credyd yr un mor hanfodol nag erioed o'r blaen. Nid oes a wnelo dim ond benthyciad rheolaeth, Mae hyn hefyd yn caniatáu i arbed arian, amser, a nerfau ac yn gyflym i ddatrys benthyciad problemau sy'n gysylltiedig â. Rhai sydd yn chwilio am fan ble i ddarganfod mwy am adroddiad credyd, Croesewir hyn yn ymweld â credyd adroddiad monitro safle – Mae llawer o wybodaeth ynghylch benthyciad monitro a sut i archebu gwasanaeth.

Yn ogystal ni ddylid anghofio am bosibiliadau a roddwyd i ni gan dechnolegau digidol. Mae gan y rhwydwaith we gyfle unigryw mewn gwirionedd i ddarganfod beth yr ydym am neu i gael unrhyw beth ar y telerau gorau sydd ar gael ar y farchnad.

Gredydu awgrymiadau

Clywyd rhywbeth am fodolaeth hanes credyd, Efallai, gan bawb a oedd yn gorfod cymryd y clod, ni waeth pa swm a'r rheini sy'n defnyddio yr hawl cyfreithlon i weld yr hanes a gwirio. O'r fath “Ailyswiriant”, as it appears, is reasonable at dialogue with banks which suddenly “all of a sudden” refuse credit reception. The annoying error or discrepancy which has crept in your credit history … can become the reason of sudden and inexplicable boycott.

Gradually in our bank system the practice when availability of positive credit history determines possibility of reception of a bank loan is implemented. The database of Inter-regional bureau of credit histories contains today more than 2 million records. It cooperates with all regional banks which daily arrange and send new credit “affairs”.

Spoil history can the one-day delay of payments under the credit. And more “malicious” non-payers in general for a long time can forget about credit resources as banks can inquire history of any borrower if that is available, Nid yn unig yn Swyddfa credyd lleol, ond hefyd yn y catalog canolog lle y cedwir enwi rhannau o'r holl hanes.

Mae stoplight ar gyfer banciau hefyd yn y ffaith o glirio credyd ar draul gwerthu eiddo.

Ar wahân i, nad yw cefnogwyr o fenthyciadau banc a argymhellir i newid yn aml yn breswylfa ac yn gweithio. Felly, Ni fydd unrhyw fanc rhanbarthol yn rhoi allan y credyd os bydd llai na hanner blwyddyn yw hyd gwasanaeth y benthyciwr posibl ar waith diwethaf.

Wrthi'n datblygu system credyd bydd hanes yno yn cronni mwy a mwy o wybodaeth o wahanol ffynonellau. Mae'n golygu y daw nid dim ond cyd-berthynas â banciau, ond hefyd o'r fath “siarad” ffeithiau, fel taliad cyfleustodau, telathrebu symudol a llonydd, cosbau, amharu ar gardiau plastig.

Mewn gair, to spoil credit history is a simple business. It will be much more difficult to recover trust. After all under the law, histories of borrowers of legal and physical bodies are stored for 15 years.

In spite of the fact that under the law each owner of credit “Busnes” has the right once a year free of charge to see the history, the few people only use this right. And in vain.

Even the respectable borrower can appear suddenly “invisible being” for banks which without assigning any reasons — banks have on this right — will refuse credit granting. The trivial error can become the inattention reason.

To settle a question it is possible, directly having addressed in bank which possesses “authorship” of an error, or through the court. By the way, from a credit history it is possible to learn even a name of the person who have brought each record, and time for this.

Can you remember those good times when anybody could take a credit if one needed funds? And just imagine the state of those who have to bear that burden nowadays when the world economy is facing hard times. And for those people having loans the issue of monitro credyd is as urgent now as never before. Nid oes a wnelo dim ond benthyciad rheolaeth, this also helps save money, amser, and nerves and be fast in solving loan related issues. Those who are looking for a spot where to find out about monitro credyd, are welcomed to go to this credyd adroddiad monitro safle – there is lots of information about loan monitoring and how to order that service.

In addition we haven’t forget about possibilities given to us by digital technologies. The Web network gives a truly unique opportunity to learn what we require or to get anything on the best terms which are available on the market.