For someone who has something to hide, it is important to find out which bank does not check the credit history. The usual procedure for considering an application for any loan includes such stages as a scoring assessment of solvency and reliability of a potential borrower, verification of the authenticity of documents, as well as monitoring the level of reliability and reputation. So, for a loyal bank the first two stages are quite enough - he will not be interested in the history of your relations with other financial structures.
Who exactly will not give you money with a damaged credit history?
The clear leader in the number of failures is Sberbank. He spends a lot of time filtering potential customers, so screening is done for a variety of factors, including the experience of borrowing.
It is generally believed that banks without a credit history check are Russian Standard and Renaissance Credit, as well as Home Credit. However, not all so simple. These financial and credit organizations, despite the inflated cost of borrowed funds, seek to minimize risks. By the way, they are ready to entrust money to customers only from 21-27 years old with documentary evidence of a stable financial situation. It is here that the same certificates and papers are useful to you as when applying to Sberbank.
Where to borrow money with problems in the loan dossier?
If you are concerned about which bank does not
check your credit history, then you have something to fear in your previous interactions with creditors. The best way to avoid digging in dirty laundry is to apply for an express loan. When issuing such products, they are often not interested in any details, and such registration takes a little time - negative information simply does not have time to get to the representative of the lender. Quick loans can solve monetary problems even to the most “damaged” banking client.
But still, which bank does not check the credit history? Such indifferent lenders include those institutions that work directly in retail outlets, offering their services "on the spot." Get ready for the fact that you will have to pay a lot, and no guarantee of installments should not mislead you.
Remember that the banks most loyal to the credit history are those where you are a client. Your past will not interest those financial organizations that already know a lot about you. So, often potential lenders do not pay attention to the credit dossier of salary and retirement clients, depositors, and former borrowers.
You only need to prove yourself well once, after which you don’t have to worry about which bank does not check the credit history and who it is interested in. In any case, your bank will welcome you with open arms. Remember that the most important thing is not just to borrow money, but to receive them on convenient terms.
Good loans are easier to repay, which means your credit history will not get any worse. And your budget will not suffer from unobtrusive overpayment. Thus, take a closer look not at loyal banks and affordable money, but about secured loans with a minimum rate and without extra costs.