List bad payers is an information system that contains data on the credit standing of individuals and companies, with special attention to those who have delayed payment of installments of a loan.
List of bad payers credit bureau: the consequences
What are the main consequences of joining the bad payer list? The most important is undoubtedly a general difficulty in accessing credit. In the next lines we will see that there are alternatives to remedy this problem, also and it is still useful to request the cancellation of your name.
Bad payers list: the steps to request cancellation
What should I do to request cancellation from the bad payer list? The procedure to follow is very simple and requires access to the official credit bureau.it website as a first step, from which it is possible to download all the forms for requesting cancellation (there is one for companies and one for individuals).
The next step is to complete them in detail and, after attaching a copy of a valid identity document, send them by fax. After 15 days you will receive a registered letter with a registered letter containing all the details relating to your credit position, with specific details on the delay in payments.
Clearing bad payers list: the main rules
What are the main indications regarding the removal from the bad payers list? Here are the most important specifications and times to consider.
- Delay in the payment of 1/2 installments: possibility to proceed with the cancellation of the name from the list of bad payers after 1 year from the regularization of one’s position.
- Delay in the payment of 2 installments: possibility to proceed with the cancellation of your name from the list of bad payers after 2 years from the regularization of the payment.
- Non-payment : in these cases it is necessary to wait until at least 3 years have elapsed since the natural expiry of the financing life cycle.
Bad Payers List Registration: What Alternatives to Access Credit?
As mentioned above, when you are registered on the bad payers list, you can access credit, albeit with some critical points (banks and financial companies can make a refusal in front of figures with a problematic credit history).
In these cases there are alternative ways, such as the assignment of a fifth of the salary or pension, a formula for access to consumer credit that allows you to request money by presenting as the only guarantee the receipt of a paycheck or a pension check of a nature non-welfare or not aimed at helping disabled pensioners.
Another option to access the credit when you have a report to the credit bureau in progress are the changeable loans, products that are based on the payment of executive securities within a certain expiration date (these loans can also be requested without a paycheck).