Xyuas credit keeb kwm uas yuav tsum tau thiab yuav ua li cas los mus siv nws rau lawv tus kheej

Nws tshwm sim hais tias ib tug neeg mus rau lub tsev txhab nyiaj kom tau credit, tab sis nws tsis kam mus xaus ib daim ntawv cog lus. Nyob rau hauv cov ntaub ntawv no, cov neeg ua haujlwm ntawm nyiaj txiag hauv tsev yuav luag yeej tsis piav qhia txog yog vim li cas rau xws li ib tug kev txiav txim siab. Feem ntau cov feem ntau, xws li ib tug teeb meem no tej zaum yuav tshwm sim yog tias muaj keebkwm qiv nyiaj check qhia hais tias koj muaj tej yam teeb meem nrog rau cov nyiaj them rov qab ntawm cov nyiaj qiv nyob rau hauv lub dhau los lawm.

Yuav kom txo tau ntawm ua hauj lwm ntawm lub tsev txhab nyiaj rau qhov teeb meem ib tug cov nyiaj txais, koj yuav tsum tau ua kom tiav nyob rau hauv txoj kev ntseeg zoo lub luag num ntawm lub borrower. Ntawm cov hoob kawm, yog xav, yuav pom xws li ib lub tsev kawm ntawv, uas yuav muab ib tug cov nyiaj txais tsis xyuas credit keeb kwm. Txawm li cas los, xws cov koom haum feem ntau yog muaj los xaus ib cov nyiaj txais daim ntawv cog lus nyob rau hauv kiag li unfavorable tej yam kev mob: ib tug ntau dua tus nqi nyiaj laum los yog nrog ib tug ntau dua yuav tsum tau rau collateral thiab guarantors.

Lub tswvyim ntawm daim credit keeb kwm

Ua ntej koj yuav nrhiav tau tawm yog dab tsi koj credit keeb kwm, nws yuav ua tau zoo mus rau to taub dab tsi nws yog tag nrho hais txog. Qhov no yog ib tug theej nyuaj thiab koos ib qho nyiaj txiag tswvyim.

Credit keeb kwm yog muab faib ua peb qhov chaw. Nws muaj xws li cov ntaub ntawv uas yog kis rau cov nyiaj txiag lub tsev kawm ntawv mus rau lub credit chaw khaws thiab characterizes qhov zoo ntawm cov borrower ntawm nws khi nyob rau hauv cov nyiaj txais daim ntawv cog lus.

1. Cover ntawm lub credit keeb kwm muaj tag nrho cov lus qhia txog lub borrower.
2. Lub ntsiab yog ib feem muaj cov lus qhia txog nws cov kev kawm, uas yog tus neeg ntawm cov nyiaj txais, nws sau npe, raws li zoo raws li cov nyiaj txais ntawv cog lus.
3. Tus qauv ntxiv muaj xws li ib feem ntawm cov neeg siv cov ntaub ntawv, uas qhov kev kawm yog tso cai rau txoj kev siv cov ntaub ntawv rau cov lus qhia, raws li zoo raws li nyob rau hauv lub qhov chaw ntawm tsim, uas yog cov tshuav nuj tshuav nqi.

Cov txhab nyiaj yuav nkag mus rau hauv cov ntawv cog lus nrog ib tug los yog ntau tshaj credit bureau. Nyob rau hauv no lub npe txhais tias lub koom haum uas nqa tawm lub tsim, cia thiab ua cov ntaub ntawv muaj nyob rau hauv lub credit keeb kwm.

Cover qhov chaw uas muab cia rau hauv lub Central Catalog ntawm Credit zaj keeb kwm. Ua kom tiav cov ntaub ntawv uas yog cia nyob rau hauv ib tug neeg CRAs (credit chaw khaws). Yog li ntawd, mus piv rau lub nqi ntawm cov ntaub ntawv nyob rau hauv rooj plaub thaum twg koj xav mus saib lub credit keeb kwm ntawm cov kev kawm leb siv, uas yog alphanumeric codes.

Yuav ua li cas koj puas paub credit keeb kwm

Heev feem ntau, txhua lub sij hawm ib tug neeg realizes hais tias nws xav tau kev pab ua credit tshev. Qhov kev pab no pub dawb ntawm tej Lavxias teb sab pej xeem yuav tau txais ib xyoos ib zaug. Txawm li cas los, qhov no yog tsis yog li ntawd yooj yim. Lub fact tias yog tsis muaj unified database ntawm credit keebkwm nyob rau hauv Russia. Xwb, nws tsim BKI puag, uas yog nyob rau hauv lub CCCH (Central Catalog ntawm Credit keebkwm). Tej qauv tso cai rau kom tau nyiaj pab ntau tshaj kev tiv thaiv ntawm cov txais.

Nws yog ib qho tseem ceeb kom nco ntsoov tias credit tshev yuav nqa tawm tsuas nrog kev tso cai los ntawm cov kev kawm. Hais tias yog, thaum koj thov rau ib tug txais nyiaj yuav kom koj kos npe rau tso cai rau ib qho kev thov rau cov ntaub ntawv.

Yog li, cov ntaub ntawv nyob rau hauv lub Central Catalog ntawm Credit keebkwm yuav tau txais nyob rau hauv nrog koj tso cai, koj tus kheej los yog cov credit chaw khaws. Ntawm cov hoob kawm, koj muaj peev xwm mus rau tej cov txhab nyiaj uas muaj kev pab los mus pab ib tug daim ntawv teev cov credit bureaus hais tias kom cov lus qhia txog koj raws li ib tug borrower. Tab sis yog tias koj paub cov kev cai ntawm cov kev kawm, thov mus rau lub CCCH, koj yuav xa koj tus kheej.

Muaj ob qho kev xaiv uas koj yuav tau txais los ntawm lub ntsiab catalog:

1. Cov ntaub ntawv xav tau muaj nyob rau hauv cov ntaub ntawv, yog tias koj yeej tsis tau noj nyiaj txais, los yog yog hais tias koj ua ib tug txais nyiaj daim ntawv cog lus mus txog rau thaum 2006, thaum lub Law rau Credit keebkwm tsis ua ib ke.
2. Yog hais tias koj cov credit keeb kwm rau koj muaj, nyob rau hauv cov lus teb rau ib qho kev thov koj yuav tau txais ib daim ntawv teev cov CRAs, uas muaj cov lus qhia txog koj.

Nyob rau hauv lub thib ob cov ntaub ntawv, tom qab koj tau txais ib daim ntawv teev cov Bureau ntawm lub xov tooj thiab chaw nyob, yuav tsum hu rau lawv txhua txhua tus thiab kom tau cov lus qhia txog nws tus kheej raws li ib tug borrower.

Yog li, txhua tus neeg uas coj nyiaj txais nyob rau hauv lub dhau los lawm los yog npaj rau siv qhov kev pab no nyob rau hauv lub neej yav tom ntej, yuav superfluous paub hais tias kev kuaj lub credit keeb kwm yuav nqa tawm ntawm nws tus kheej thiab dawb xwb.