credit history is very easy to spoil, and that's correct - quite the contrary. Why do we positive reputation of the borrower? What could be the reason to maintain the good reputation of the borrower: It may not be allowed abroad.
In 2009, President Ukraine requested the publication of the decree banning travel abroad to persons who have not repaid the debt to banks. NBU, in turn, rekomedoval banks initiate lawsuits against neplatilschikov to ban travel abroad.
In what will neplatilschikov Travel Abroad, first no one believed, but consequential, rapidly developing events quickly dispelled this misconception. Almost immediately, Ukrprombank filed a list of all the "black" borrowers in the border. But most interesting is that only on the border you can see that you are forbidden to cross it!
Hide bad credit history will not work.
In Ukraine five BCH (credit bureaus), and because they are all working with different banks, all the known method of obtaining the loan, even if you already have to some bank - a reference to another lender.
Therefore, if a borrower to the bank, which is not cooperating with the bureau, which holds its "black" credit history, then it may well give a second loan.
mechanisms to eliminate such a possibility does not exist yet. Mechanisms that eliminate such possibility does not exist yet. Rather laws that allow exchange between the Bureau of credit histories is, but in practice it does not work.
Today, however, banks understand the importance of what is needed to cover the doors to this loophole, and almost all of them regularly transmit data on their neplatilschikah. Likewise, the presence of other Tool helps banks correctly identify the solvency at the time of filing.
Hoping that time, "heal" your bad credit history, too, no, because the assurances of some banks, they keep the history of 10 years. And in principle, nothing prevents them to keep them longer.
Future possible unification of the credit bureaus .
Yes, today the CRB earn good money by selling information about unscrupulous borrowers. But the viability of situation on the market just need to obedenenie! Virtually all experts in this area are unanimous in their opinion that soon we can hear the news about these obedeneniyah. In any case, would be such a obedenenie possible in the near future or not, this market has to evolve as it develops and to receive assistance by law.
CRB will be protected by law.
authorities did not stand idle in this matter. In the parliament and the Cabinet of the country well aware of the importance BKIV June 2010 the Cabinet of Ministers was filed the bill to the Verkhovna Rada, kotoly must give access to a BCI STA - State registry, which maintain the identification codes of Ukrainian citizens.
Although future developments and focus no longer on the unscrupulous borrowers, and to end falsification of certificates of income and codes, the direction of future legislation is completely predicted - lobbying the interests of banks and BCH, but not borrowers.
Uniform Registry of Borrowers.
In Ukraine, since 2002 the Registry of Borrowers "- the information system established by the NBU, accumulating information on borrowers who need more than 10 000 hrn. After ten days from the date of enrollment in the borrower's debtors, the bank must transfer the data to the Registry National Bank, at what It is obligatory and the transmission of information about the founders, if the legal person. But today this system has not yet dokontsa debugged. Loans are urgently needed.
Many people have already formed a negative attitude to credit, largely due to past financial crisis, when banks in the unilateral order to raise rates on loans. But now it is banned, and cases where loans are urgently needed after all there is. So do not neglect their credit history and can easily choose from an abundance of options for banking proposals.
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