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Do not require a credit history, since they take some personal item as collateral. Most often, jewelry, equipment, cars. . Look for alternatives When you are not given a loan due to a bad credit history, remember about other options for getting money. Credit card. The bank may not agree to a loan, but it will approve a credit card. You will be disciplined in paying off the debt on it and improve your credit history. Overdraft. This service is connected to debit cards, i.e. regular bank cards. Not all banks have overdraft. Its essence the ability to go beyond.

The limit of funds on the account. That is, the balance will become negative. For example, there were rubles on the card, you made a purchase for , rubles and now the balance is , rubles. Overdraft, like credit cards, has kuwait telegram mobile phone number list high interest rates. It must be repaid in a short time, usually within a month. Refinancing of previous loans. Sometimes a bad credit history becomes such not because of the number of overdue payments, but because a person has too many debts. A financial institution may simply be afraid that the client will not be able to handle.

Another loan money to refinance loans, pay off debts in other banks early and stay with one loan. . Agree to all the banks terms Bad credit history can be compensated for by coborrowers and guarantors. The main thing is that they have a good credit history and agree to close the loan in the event of your insolvency programs to improve reputation and correct credit history. Not available everywhere. The point is that the client takes a loan from the bank on rather unfavorable terms. With a serious overpayment, for a short period.