Credit history to check
Few people applying for a loan from a bank check their history in BIK, and they should. It is worth knowing what opinion BIK will issue to us in order to be able to negotiate with the bank any loan we are applying for. Very often there are situations when we have repaid our loan a long time ago and we still appear as debtors in BIK. Many banks send information about the repayment of a loan by a given client to BIK with a very long delay.
If we do not check it before submitting the application to the bank, we can simply receive a negative decision on the loan. There may also be a situation when our previous bank granting us a loan simply forgets to send to BIK information that we have already repaid it. It’s good to know before and that’s why it’s so important to check your history at BIK. People who have really big debts overnight will not improve their creditworthiness. You have been working for good years.
It is important to pay back loans on time
It may happen that some installment will be delayed, but let it be an important matter and we should inform the bank in advance. This timeliness in repayment of loan installments has the greatest impact on what opinion BIK will give us. It is also worth remembering the number of loan applications that we submit at one time. It is best if there are no more than three and what is important, let these applications not be submitted at the same time.
BIK counts the number of questions about us and if the bank decides that several banks were interested in us, it may decide that we are not reliable enough to grant us a loan. If the bank sees that we have not checked the offers of any other banks, it may also use it. He recognizes that we have little knowledge on this subject and may want to push in a low-profit loan offer. Before going for a loan talk, we should prepare a tactic on how we will negotiate the offer with the bank. Sometimes you can get a loan on better terms if the bank notices that we have specific knowledge about it. Loans are a good way to realize your plans. You can buy something home, a car or go on a trip for this money, but the loan decision should be fully thought out.