Access to the financial system through loans, savings accounts or credit products is essential for citizens, as it allows them to expand their business, study or buy a home, among others. However, many people fall into difficult economic situations, which prevent them from meeting their obligations and which result, after a while, in negative reports in risk centers.
(This is how the reports work in credit centers such as Datacrédito).
The people reported may end up outside the formal financial system, with the inability to acquire loans or credits. This scenario leads many to unsuccessfully request a second chance, and to resort to dangerous alternatives such as ‘drop by drop’.
Hence, financial education, planning and savings are important to keep a good record and, above all, avoid resorting to dangerous alternatives such as ‘drop by drop’. For this reason, the Financial Doctor of Mibanco, a company of the Credicorp Group, brings you 4 tips to avoid being reported negatively in risk centers and what to do in case of being reported.
(Platform lends money to people with a report in risk centers).
Even so, despite having healthy finances and recognizing the importance of paying on time, many citizens ended up informed in credit centers. If this is your case, immediately contact the entity that reported it and verify the accuracy of the information. Remember that, if there are errors, you can request a correction. If the report is accurate, create a payment plan that allows you to meet your obligations as soon as possible.
Finally, if you don’t know how to get started, remember that there is always the option of seeking professional advice; Entities like Mibanco have experts dedicated to guiding you to have good financial health, without getting too much debt and allowing you to maintain your ability to pay.
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