9 unexpected reasons, due to which you may be denied credit
Tips / / December 19, 2019
Michael Ageikin
Head of Analytics and Big Data Odobrim.ru.
1. You do not have a ring on your finger
Marital status may affect the decision to grant a large loan. A small loan will be difficult to get if you've been an adult, but still live with their parents.
Bank of logic is simple: marital status shows the level of the borrower's responsibility. Unmarried client always looks more risky.
2. You look suspicious
Banks meet the client on clothes. Red eyes from fatigue or dent in the underground shirt can take you. The smell of alcohol, inappropriate behavior - all this will lead to the fact that the bank fails.
Some Russian banks are skeptical belong to customers with tattoos on exposed places - on the hands, face or neck. On the other hand, the latter is unlikely to affect the well-known people. Such are the double standards.
3. Behavior in social networks
Analyze your social networks can not only future employers, but also banks. Like it or not, even with photo feykovye AK-47 produces about you is not the best idea.
A small number of friends, and a fresh account also plays in your favor. Bank employee may find you unsociable sociopath, which will be difficult to find in the event of delay.
4. On your conscience "extra" loan
Your credit history may contain information that does not correspond to reality. For example, for you may be listed already closed a loan. Responsibility for this lies with individual employees or the organization as a whole. Therefore, it is important to at least from time to time to check your credit history for such blots.
5. Is in delay, not only for loans
Problems arise if you've been not to pay for utilities, that the debts with you exacted through the court. In this case, you are in the base of the bailiffs. A study of one of the first of its banks.
Traffic fines, debts for telephone and child support - all this will lead to the fact that you get into the ranks of unscrupulous borrowers. Even a perfect credit history in this case will not save.
6. You have a suspicious employer
If your employer - the firm one-day or untested company with a questionable activity, it will cast a shadow on you.
There are legal addresses with a huge number of registered companies to them. It happens that the sphere itself is dangerous - for example, a casino. The client, who works in a company, most likely will be estimated as too risky.
7. Information on the form does not reflect reality
Banks may cooperate with mobile operators and use them to check the entered information to the client. Let's say, can learn how often a client will appear on your home address. If a man gives his brother as an additional phone, cellular operators can see if the calls are often a close relative. Do not live at home and do not call brother? Renouncement!
8. You are ready to great lengths to apply
Distance to the bank branch in which you are applying, from your home or work - a fact that also makes the share of doubts. Banks like transparency and consistency. If you live in Perov, working on Lenin Square, and drive to the other end of Moscow's Mitino for a loan - it is at least illogical. You may be seen as a man too needs a loan and, accordingly, denied.
9. You will not earn
Several credit cards with a limit untouched, which are gathering dust you around, or next installment, you repaid ahead of time - all this does not add you chances of getting credit in the future. Banks live by percent. Do not use credit, as well as "too smart" clients, execute installments for their own benefit, the banks are not interested - they do not earn.
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