„czyszczenie bik” to potoczne okreslenie na kasowanie zapisow w Biurze Informacji Kredytowej (BIK) oraz w Bankowym Rejestrze Klientow Niesolidnych (BRKN). Oczywiscie nie wszystkie informacje przechowywane i udostepniane instytucjom finansowym (banki, SKOK-i) przez BIK sa dla nas niekorzystne. Dobra historia kredytowa nie tylko pomaga nam uzyskac kredyt, ale pomaga nam uzyskac kredyt tanszy czy tez bez dodatkowych zabezpieczen.
Niemniej zwykle mamy problem z uzyskaniem kredytu wlasnie jesli w BIK jest choc jedna negatywna informacja o tym jak splacamy lub splacalismy jakikolwiek produkt kredytowy (pozyczka, karta kredytowa, kredyt hipoteczny, debet w rachunku, itd.). Czasem wystarczy informacja, ze raz sie spoznilismy z jedna rata lub chocby zalegalismy zlotowke i tracimy w oczach bankow cala nasza wiarygodnosc kredytowa, a w najlepszym razie bank podnosi nam cene kredytu lub wymaga dodatkowych zabezpieczen.
Dla jasnosci nalezy dodac czym sie rozni rejestr BIK od drugiego z rejestrow czyli Bankowego Rejestru Klientow Niesolidnych (zwanego potocznie „bankowa czarna lista”). Glowna praktyczna roznica to fakt, ze BRNK zawiera wylacznie informacje negatywne o naszej historii kredytowej. Co wiecej zwykle trzeba mocno „nabroic”, aby bank wpisal kogos do tego rejestru (formalnie opoznienie w splacie raty musi byc powyzej 60 dni i powyzej 200 zl, ale w praktyce dzieje sie to duzo pozniej). W konsekwencji o ile w BIK-u figuruje kazdy kredytobiorca („dobry” i „zly”) to w BRNK juz wylacznie Ci „zli” co oznacza, ze zaden bank nie udzieli nam kredytu jesli jestesmy wpisani do BRNK.
Czy mozna zatem cos z tymi zlymi wpisami zrobic? Na szczescie dla kredytobiorcow zdecydowana wiekszosc zapisow mozna skutecznie skasowac (a wlasciwie je przeniesc z rejestru widocznego dla bankow do rejestru niewidocznego dla nikogo poza nami czyli do tzw. dzialu statystyk).
Mozliwosc ta niesie ze soba istotne i dalekosiezne korzysci dla kazdego obecnego jak i przyszlego kredytobiorcy. „Naprawienie” historii kredytowej daje mozliwosc uzyskania naszego kredytu oddluzeniowego, a w przypadku innych produktow pozwala uzyskac kredyt na korzystniejszych warunkach.
Rownoczesnie nalezy takze pamietac o dwoch waznych kwestiach. Nie kazdy wpisany kredyt mozna latwo i „od reki” skasowac z rejestrow. Tak jak wiekszosc wpisow mozna w ramach dzialan prawnych usunac tak tez z tych samych przyczyn (z powodow prawnych) zapis o jakims kredycie moze byc nie do ruszenia.
Wowczas nie pozostaje nic innego jak czekac, az taki zapis zniknie samoistnie czyli nawet po 5 latach. Przez ten czas niestety jest sie wykluczonym z rynku kredytowego dla bankow i SKOK-ow.
Drugim waznym warunkiem zwiazanym z czyszczeniem BIK-u, o ktorym trzeba pamietac to kredyt musi byc splacony (musi miec status zamkniety).
- Teraz jest piątek, 18 kwietnia 2025, 16:57
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czyszczenie bik
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czyszczenie bik
przez BornFrummop » niedziela, 11 sierpnia 2013, 16:18
- BornFrummop
- Posty: 222
- Dołączył(a): wtorek, 6 sierpnia 2013, 22:58
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- Dołączył(a): poniedziałek, 5 sierpnia 2013, 09:10
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przez imifebsh » czwartek, 5 września 2013, 06:19
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- GeorgeNor
- Posty: 3201
- Dołączył(a): poniedziałek, 15 grudnia 2014, 14:59
- Lokalizacja: Papua New Guinea
монастырский чай для похудения цена - монастырский чай шарла
przez GeorgeNor » poniedziałek, 30 listopada 2015, 12:07
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- GeorgeNor
- Posty: 3201
- Dołączył(a): poniedziałek, 15 grudnia 2014, 14:59
- Lokalizacja: Papua New Guinea
Купить Allora Босоножки 159565 или модные Allora Босоножки 1
przez GeorgeNor » wtorek, 22 marca 2016, 03:01
Хай пользователи форума eragonmt2.phorum.pl, вчера пользователь под ником Ule4kawak просила меня сообщить модные новинки 1457647116 в 2016, а так же рубашек бренда , так вот наконец то нашла время для этого, админы прошу не удалять, а перенести в соответствующий раздел, если я ошиблась например Женские коллекции/Обувь/Босоножки ))) всех целую
Allora Босоножки 159565 стоимость 9700 Пол:Женский|Материал:100% натуральная замша, 100% натуральная кожа, 100% поливинилхлорид|Коллекция:Весна-лето|Производитель:Италия|Бренд:Италия|NEW:NEW|Размер:41, описание товара Пол:Женский|Материал:100% натуральная замша, 100% натуральная кожа, 100% поливинилхлорид|Коллекция:Весна-лето|Производитель:Италия|Бренд:Италия|NEW:NEW|Размер:41
Если Вам нравится Allora Босоножки 159565, нажмите кнопку "Хочу купить" ниже чтоб узнать где выгодней всего купить Женские коллекции/Обувь/Босоножки бренда Allora Босоножки 159565
посмотрите другую красивую одежду
Категория: Женские коллекции/Обувь/Босоножки купить
Бренд: купить Allora
за 9700 RUR
А вот еще ключевые слова по которым люди ищут Allora Босоножки 159565:
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- заказать Allora
- цена Женские коллекции/Обувь/Босоножки
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- Allora
для свадьбы
- купить Allora Босоножки 159565 Москва
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- купить Allora
Санкт-петербург
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И еще немного брендовой одежды
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Купить Vdp Via Delle Perle Трикотажные шорты AR1-132747 или модные Vdp Via Delle Perle Трикотажные шорты AR1-132747 2016 бренда по цене 12800 RUR
Купить Anna Miminoshvili Платье 159523 или модные Anna Miminoshvili Платье 159523 2016 бренда по цене 10400 RUR
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Купить Pompa Пальто 157811 или модные Pompa Пальто 157811 2016 бренда по цене 17400 RUR
Allora Босоножки 159565 стоимость 9700 Пол:Женский|Материал:100% натуральная замша, 100% натуральная кожа, 100% поливинилхлорид|Коллекция:Весна-лето|Производитель:Италия|Бренд:Италия|NEW:NEW|Размер:41, описание товара Пол:Женский|Материал:100% натуральная замша, 100% натуральная кожа, 100% поливинилхлорид|Коллекция:Весна-лето|Производитель:Италия|Бренд:Италия|NEW:NEW|Размер:41
Если Вам нравится Allora Босоножки 159565, нажмите кнопку "Хочу купить" ниже чтоб узнать где выгодней всего купить Женские коллекции/Обувь/Босоножки бренда Allora Босоножки 159565
посмотрите другую красивую одежду
Категория: Женские коллекции/Обувь/Босоножки купить
Бренд: купить Allora
за 9700 RUR
А вот еще ключевые слова по которым люди ищут Allora Босоножки 159565:
- купить Allora Босоножки 159565
- заказать Allora
- цена Женские коллекции/Обувь/Босоножки
- интернет магазин Allora
- фото Allora Босоножки 159565
- Allora Босоножки 159565 2016
- интернет магазин Allora
Москва
- новинки Allora Босоножки 159565 2016
- модные Allora Босоножки 159565 2016
- Allora
для свадьбы
- купить Allora Босоножки 159565 Москва
- купить Allora Босоножки 159565 Екатеринбург
- купить Allora
Санкт-петербург
- интернет магазин Женские коллекции/Обувь/Босоножки Нижний Новгород
- заказать онлайн Allora Босоножки 159565 Казань
- купить онлайн Allora Босоножки 159565 Самара
И еще немного брендовой одежды
Купить P.a.r.o.s.h. Платье 159469 или модные P.a.r.o.s.h. Платье 159469 2016 бренда по цене 44500 RUR
Купить Vdp Via Delle Perle Трикотажные шорты AR1-132747 или модные Vdp Via Delle Perle Трикотажные шорты AR1-132747 2016 бренда по цене 12800 RUR
Купить Anna Miminoshvili Платье 159523 или модные Anna Miminoshvili Платье 159523 2016 бренда по цене 10400 RUR
Купить Zhor & Nema Джемпер 154448 или модные Zhor & Nema Джемпер 154448 2016 бренда по цене 35900 RUR
Купить Pompa Пальто 157811 или модные Pompa Пальто 157811 2016 бренда по цене 17400 RUR
- GeorgeNor
- Posty: 3201
- Dołączył(a): poniedziałek, 15 grudnia 2014, 14:59
- Lokalizacja: Papua New Guinea
Re: czyszczenie bik
przez valedo » wtorek, 8 maja 2018, 02:56
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- valedo
- Posty: 11191
- Dołączył(a): środa, 2 maja 2018, 15:33
Re: czyszczenie bik
przez valedo » piątek, 5 października 2018, 16:30
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- valedo
- Posty: 11191
- Dołączył(a): środa, 2 maja 2018, 15:33
Posty: 9
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