How to be the person you want to take the credit, but he has a negative credit history? Consider to answer this question all possible options.
Option number one: the borrower is not to blame for the fact that his history of credit has been ruined. For example, was reported by the Bank incorrect information in the credit Bureau. To remedy this situation urgently needs to contact the appropriate Bank who provided the CRB with this information, and write a statement about credit history repair. If the truth is on the side of the borrower, the Bank will be forced to apply actions that allow to correct mistakes in the history of the loans. After that get a loan without any problems.
Option number two:the delay was, while recently, but the borrower is to blame (there are documents that confirm this). Under this scenario, suitable for different force majeure: illness, dismissal, about the notice of repayment of the loan. To remedy this situation, it is best to first notify the Bank about such facts. It is necessary that the Bank employee was bound to recognise this data is not from the KJV. It is also advisable to talk with the lender, employee of security service of Bank. It is possible that the Bank will give a loan to this person.
Option number three: history of credit clean, but a few years ago the customer was late on payment. In this case, a Bank loan can be obtained only when the computer will process the application, and people. Therefore, the client is unlikely to be given a quick loan, but the ordinary may well. But you have to talk with the security officer of the Bank, describing the causes of delay in the past and that has now changed.
Option number four: the client has a lot of delays even even now unpaid loans. This case is the most neglected, is unlikely to take even the slightest credit. In particular, if the answer about the reasons of such neglect, the client tells the tale of the stolen wallet, fraud on the part of several banks, etc.
The Bank may take a positive decision on issuance of credit to a customer with bad credit history, but it will increase the percentage rate, down payment, or will require any Deposit of an additional guarantee.
Obviously, a negative history of previous credits is no guarantee of the impossibility of obtaining a Bank loan, because a lot depends on the specific situation, the characteristics of the Bank and from the man himself, of his behavior.