Access to credit is made easier every day, which is good for many people who are looking for an extra resource to get some good, take a trip, renovate the house or pay off some debt. On the other hand, using credit without awareness and planning can lead many people to incur even more debt, so make good use of that kind of service.
Do you need a loan?
Preventing the name from being “dirty” is always the best alternative to having easier access to credit, and this is only possible when the person plans and makes use of credit consciously, only when it is really necessary. Do not see the loans the only way to pay off debts, after all, a loan is also a debt, so do the math and see if it’s worth it.
To have access to credit it is necessary that the person proves the ability to honor the commitment made with the credit provider, being able to pay the installments of the loan. In some cases, a justification for the credit is also required, where the beneficiary must present the destination of the loaned amount as the opening of a business of its own, the purchase of a good, among others.
In order to decide whether or not to grant credit, companies also use consultations with registries such as the Credit Protection Service consulting company, which collect information on past due and unpaid debts, lawsuits, title protest registrations, bottomless checks and other important information. Realize that maintaining a positive track record and avoiding late payments is already half way to having free access to the credit you need.
Starting in 2013, the companies will still have at their disposal a new register to consult the financial position of individuals and companies, which will also include positive information such as the payment on loans and other previous financing.
This positive verification may even, in some cases, encourage companies to create a differentiated interest rate for those with a positive track record of payments, since they represent a lower risk of default.
To get access to credit always look for well-known and reliable companies, there is a lot of front company that gives blows to unsuspecting people, taking away the little money they have left. Every serious company will ask for guarantees and will consult your history, otherwise it will be attentive, because it can be a blow!