Mortgage lender, founder of ROYAL-real estate agency Kamila Mavlutkhonova told how to fix it in an interview with Pravda.Ru credit history and obtain favorable terms from the bank in the future.
He stated that you should do the obvious first – pay off all overdue payments and avoid them in the future. If the debt is sold to collectors, he recommends contacting the lending bank to find a specialized collection organization, then paying the debt and presenting a proof of it to the credit bureau.
The next step will be to directly restore the banks’ confidence. According to Mavlutkhonova, it is enough to get a credit card, make small purchases and pay on time. She also recommended that I take out a small consumer loan, she. The expert added that the interest rate will be high, but as the credit history improves, it will be possible to rely on more favorable conditions.
Elizaveta Danilova, former Director of the Financial Stability Department of the Central Bank of Russia stated About the regulator’s plans to tighten banks’ unsecured consumer lending limits.