In fact, getting a loan is a very difficult task if your name is dirty. Ironically, this is also very important. After all, it could be just the incentive you need to pay off debts.
Paying bills and regaining a positive reputation with the credit protection agencies. If you're thinking of helping with this task, follow these 5 tips to help you find the right loan.
Beware of scams
Fraudsters are increasingly present on the Internet and can exploit your vulnerability to commit crimes.
No serious company asks for pre-payment (it's against the law!). Research carefully, visit official websites and look out for information that could indicate fraud.
Know when and how much you want to pay
It can be difficult to get a lower interest rate because of your bad or negative name, but it's not impossible.
Do some research and consider all the terms, the amount of the installments and the fees that will be charged. Don't forget to check the total effective cost (CET), which is a collection of all the costs of the loan, such as interest only, taxes, insurance and much more.
Enter the correct information
During the simulation, all the data must be entered correctly. The lender must know you and be careful in its analysis, especially if you have a negative credit rating.
Remember that all the information you provide must be confirmed in the later stages of the negotiation.
Negotiate your debt
It's all about your name, so it's important to pay off your debt and show that you can afford it.
Credit protection companies such as SPC and Serasa hold regular exchanges to help debtors negotiate with their creditors, often at high discount rates.
Be aware of the possibilities.
Keep track of your credit score
Your credit score can contribute to your chances of getting a credit quote, either in the form of a card or a loan.
Taking care of your bottom line is one way to stay financially healthy. You can access this information for free on the Serasa and Boa Vista SCPC websites.
Did you like the tips?
You should know that an independent negative loan should be a temporary option for you, a tool to help you reorganize your accounts.
Your best bet is to develop a quality financial education so that you can always make the best decisions. Follow our content to do so.
*Search source: https://www.acordocerto.com.br/
