What is Credit Registry?

 The fact that the credit register is properly opened opens the door to getting loans from banks. If you know what the credit record is and what it covers, it makes it easier to create a good record. 

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Credit is a savior for many when cash support is needed. However, the credit to whom, according to what you say, banks, of course, before making a decision on whether or not to provide this cash support, and those who do not have a credit record, but those who have a good credit record prefer to give credit.

The credit record includes the arrangement of used credit and credit card payments, the current credit and credit card debt status, the frequency of loan applications, and similar factors. The credit record seems to be a sort of financial report. This credit card is given a credit rating by KKB. The credit rating between 1 and 1900 points out whether you will have a credit, whether it is low or high. The high credit rating gives you confidence that you will be making your repayment to banks. If your score is less than 900, you may be told that there is no chance of getting a loan. The credit rating is effective in the approval of the application is very low, What does not give creditto the Banks?is the most basic answer to the question. When the credit rating is over 1200, your chances of getting a loan from banks will increase, depending on your income status.

How to Have a Clean Credit Registry?

It is very important that you pay the credits and credit cards you use on your day. You should not apply for credit, except for urgent needs. Continuously looking for credit adversely affects your record. In addition, the rejection of your loan applications has a very bad effect. For this reason, you should make a loan comparison in order to choose a loan that is appropriate to your income before applying for the loan. You can find more detailed information about what you need to do to raise your credit rating.

What does the Black List mean?

The fact that the credit and credit card payments are delayed for 90 days or that a loan which is under guarantee is falling into the same situation causes the legal follow-up to start. These people are blacklisted in the credit register. In fact, there is no such list, but legal follow-up has started and therefore it is impossible for people to borrow such a phrase is used. 5 years after payment of debts, the credit record is deleted. Of course, there is a fact that, even if the credit record is deleted, banks can access their records. So, the bank that you re-loaned can see your past relationship with your cat from its system.

What to do when credit register is deleted?

The fact that your Credit Register has never been created or has been deleted creates an obstacle to borrowing because banks cannot reach a credit rating that they can evaluate. To raise your credit rating, you can obtain a low-limit credit card that you can pay regularly.

Credit Note

The Credit Rating Office (KKB) and the www.riskmerkezi.org/tr institutions which form the credit rating can be requested from each institution. In addition, banks can also present the report in the Findeks or risk center at a fee.

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You can ask us about QUESTION ANSWER as you like about credit applications, credit notes and credit . Our experts will answer your questions as soon as possible.