I want to ask you an important question.. Have you ever thought about what would happen if you defaulted on your loan installments? What would happen if you suddenly found your name written on the blacklist? Can you imagine needing a second loan or a new credit card and finding yourself rejected by all banks?
Okay, sir, let me tell you that the blacklist is not the black list as we call it. It is a list in which customers who are not committed to paying their financial obligations to the banks are included.
In short, if you take out a loan and are repeatedly late in payments or do not pay at all, your name will be put there and this is not just a minor problem; This could be the financial crisis of your entire life.
“Blackjack does not have such a level. There are people who are completely forbidden from any bank dealing with them… and there are people who can deal with banks, but with special written approval… and there are people who have finished paying, but their bad financial history remains saved on the system for reference.”
The most important thing is that this list is linked to something called digital evaluation. This is a number that comes from the I-Score company and determines your financial position: Are you a reliable customer or do you have a risk? The higher your number, the better your chances of obtaining financing or new loans
“Okay, the question that is definitely running through your mind right now is: What should I do to protect myself from entering the black list?
The answer is simple, but it requires some commitment from you. Focus with me.. Pay your installments on time. Any delay could make you an immediate candidate for Blacklist. Do not ask for a loan that is larger than you can afford. Know your financial limits and always adhere to them. Also, review your credit report periodically. This ensures that you follow up on any error that may occur, and if there is a problem, contact the bank immediately. If force majeure circumstances occur that prevent you from paying, speak to the bank immediately. Believe me, they will be ready to listen and try to find a solution.
There are other things as well, such as being organized in paying all your bills, and setting your financial priorities. Also, do not use your credit cards or loans excessively. Diversification of credit sources – if you are able to manage it – will be a positive point in your favor.
In the end… Do you remember when I told you in the first place that plaque cannot be the crisis of your life? The truth is that if you adhere to these tips, you will never be in this crisis. Always keep your financial record clean, and be confident that you are safe. Now, it is your turn to start applying, and we are waiting to see you on the list of ideal clients, not the black list.
