2023-08-08 22:30:53
The term to pay the discounted vehicle tax expires. | Photo: Getty Images/iStockphoto
In this sense, when you seek to apply for a loan, it is natural that you are concerned about how the fact of being reported in a negative way impacts our possibilities. This scenario can be frustrating, as after going through the process of submitting documents and completing applications, the result could be a denial due to these reports.
The first thing we must understand is that being reported is not the end of the world. In reality, it is a situation that, with responsibility and taking appropriate measures, can be resolved. In addition, this circumstance offers us the opportunity to explore other financial institutions that can also provide financial assistance in a practical way.
Sin dinero | Foto: Getty Images/iStockphoto
The Meaning of Credit Score
According to the Grupo r5 portal, our financial actions build a credit history that translates into a score, reflecting our level of credit risk. Adequate compliance with our obligations generates a high score, while defaults result in a low score and increased credit risk.
How Scores Are Ranked
Excessive workloads, long hours, inadequate remuneration and other external factors negatively affect the mental health of the worker | Photo: Provided by DataCrédito Experian
Additionally, there are financing entities that operate mostly online, providing detailed information through their web platforms.
There are financing entities that operate mostly online, providing detailed information through their web platforms. | Photo: Getty Images/iStockphoto
Some of the financial entities that provide options for people reported are:
R5: Offers free investment credit with vehicle guarantee and credits for the acquisition of new or used vehicles.Bancolombia: Provides payroll credits for the payment of obligations.Banco de Bogotá: Offers payroll loans for the payment of obligations.Banco Caja Social : It has payroll credits for employees or pensioners with reports.RapiCredit: Provides loans for people reported in less than 60 days.Kredicity: Offers short-term credits for people reported.ExcelCredit: Provides free investment payroll loans for people reported. Bayport Colombia: Provides credits for people reported and credits for the military.
However, the Valora Analitik portal indicates that it is important to bear in mind that the acceptance of credit by banks depends to a large extent on how long it has been in risk centers and how serious the report is.
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