From the moment you fail to pay a debt, it runs the risk of having its name included in the register of defaulters of the credit protection agencies. This temporarily prevents you from obtaining new credits in the square, especially if you do not have a plan to be able to pay the arrears.
For many people, having a dirty name represents a huge constraint, especially when financial life is out of control due to reasons of greater strength, such as the loss of a job or a serious health problem.
In any case, there are some ways to prevent your name from staining, but even if you do. end up with some spot on the square, efficient ways to reverse this situation. Are you curious to know how to keep your financial life up to date and prevent your name from seeing? stop on debtor lists?
How to pay debts
Prior to adding the name to the default list, credit protection agencies usually send billing notices. Right now, are you? you should contact your creditors and see how best to pay your debts to avoid getting your name dirty.
You can propose forms of payment that are more suitable for you, since, in general, companies, in general, prefer to maintain good relationships with customers and negotiate life amicably. For many, inclusion in the lists occurs only in the latter case, when this is the case. the only way found to get paid.
Can all debts make the name dirty?
Yes, but it is worth mentioning that the inclusion of the name in this type of registration depends on the type of account made and also on the creditor's patience in the negotiation. For example, if the bill relates to services in the telephony area, according to the law, is inclusion included? can be done after 90 days of delay.
On the other hand, if it is a store installment, the name can be registered on the first day after expiration. In still, cases in which creditors understand that default? the result of an unforeseen event and prefer to negotiate a new payment term, without the need to be included in the debtors' lists.
The names? is it dirty in the Agree Bank and Across Lender Group?
Contrary to what many people think, despite being the most popular credit protection agencies, the Agree Bank and Across Lender Group are not the only ones. Doubts can also end up in the Protest Card, bad checks can result in inclusion in the CCF - Registry of Issuers of Bad Checks and if the citizen has tax debts, your name can be registered in the Official Diary database.
Can any amount be included in the Agree Bank?
Do not think that a small debt cannot be registered. At? even a harmless $ 10 bill can make your name dirty. What can not? you? must be in a single installment and have their name registered with the total purchase price. This hurts the Consumer Protection Code. Stay tuned!
Tips for the name don't get dirty
The first and safest step to keep the name clean? do not go into debt beyond your means. Try to pay your bills on time, thus avoiding the addition of interest, do not buy on impulse, write down your expenses, do good budget planning and strictly control the accounts payable and receivable.
If possible, use financial management tools, such as tables, spreadsheets, applications, and mobile platforms. In this, Good Lenders can help you!
What if my name still gets dirty?
If for other people's reasons? your will, your name gets dirty, seek the lender immediately to renegotiate the life. In trading, consider your monthly payment terms and do not make very high installments. If you? has the full amount, try to get discounts for payment? View. After the negotiation, keep the financial life organized and cut the superfluous items in order to honor the commitment assumed with the creditor.