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Credit Bureau Blacklist checking is the first step in doing a loan to check the power to pay off of the borrower whether it is a loan for house or car installment. Today. ACU will inform you about what Blacklist is. Especially salarymen who do not want to lose a chance when it comes to doing a loan. Also, ACU provides the solutions when you are on the blacklist. Let’s start, shall we?
It is the list of the bank and credit borrower who cannot pay off their debt on the due date. If the arrears are more than 3 months or 90 days, they are not allowed to do a loan or a new credit card. Thus, those borrowers are listed in the blacklist.
Even though the bank or financial institute can decide on their own whether to give the loan to the borrower or not without the blacklist, this information can assure the bank about the borrowers’ financial stability, wealth, and the power to pay off debt.
Most people misunderstand that Blacklist and Credit Bureau are the same thing. In fact, Credit Bureau is a national credit bureau which provides information about pay-off debt information, loan information and personal information such as name-surname, age and date of birth of the borrower. On the other hand, Blacklist is the report of a default on borrowers’ debt which will appear on the Credit Bureau information.
The information of the blacklist will be kept for the pay-off debt information in the Credit Bureau for 3 years. Some banks or financial institutions may consider and approve loans or opening new credit cards after three years from the closing date of bad debts or complete payment of debts with Blacklist.
There are 2 main reasons why you cannot take a loan or open a new credit card.