The lending institution says you're stuck in FICP while you're not.
C is possible if your cancellation of FICP is recent.
Indeed, if the Bank of France immediately proceeds to radiation FICP soon as the lender reported its release, other banks and credit institutions which are entitled to question the FICP have no access to information updated in real time.
Once a month, the Bank of France sends them a copy of FICP , with updates taking into account radiation and new inscriptions. This shipment is between 15 and 20 of each month, which may result to bring to the attention of lenders of radiation FICP a month late compared to the radiation effect. To avoid
you see stuck to the bank of France, we " the French national bank " recommend to wait at least one month from the date of cancellation of FICP by the Bank of France before requesting a new credit.
Remember, you can also ask the lender in such a case, question directly FICP the Bank of France of Poitiers fax (05.49.55.86.92 ). It may well have confirmation that you are no longer stuck. This query is done using a printed form 69 (available in any Banque de France). The response is sent to the lender by return mail.
You have, in the past experienced difficulties in repayment of a loan
In such a case, know that the lending institution, or one its subsidiaries, has the right to keep track of the incident during a period that can vary between 10 and 15 years. This agency will therefore refuse to grant you new credit, on the grounds of an "internal FILING showing in payment difficulties in the execution of a previous contract.
You have applied for credit from the same organization that has been denied there are less than 6 months
The lenders are generally retain for 6 months the information relating to refusal to grant credit. This practice is intended to prevent a person does repeated requests from several institutions of the same sign. Thus, if an agency has refused you a loan there are less than 6 months, your new application will normally be refused.
Your record does not meet the conditions laid down by the body to achieve this credit
The lender may consider your income is insufficient or that your situation is "risky." You should know that these organizations usually assign a "score" for each piece of information that you provide when requesting Credit (age, occupation, marital status, nationality, etc.).. These scores give
added a final score that will enable the agency to determine whether or not the credit can be awarded to you. The refusal may be related to the outcome of the score that was assigned.
You have a namesake who is stuck
You learned that a person with similarities to you (same name, or even date and place of birth) was stuck. In this case, the only solution is to notify the lender that you have a namesake, and ask specify when the queries FICP .
0 comments:
Post a Comment