Few people who plan a loan know that there is not only a negative list of debtors, meaning that not only problematic clients are “screened” by banks, but that a good debtor is put on a positive list. However, this can also be a problem.
Defend against bad credit customers
Nearly 450 domestic credit institutions are linked to the KHR registry, which jointly operate the system to protect the security of financial institutions. Those who, for example, have abused a credit card or accumulated at least one minimum wage debt will be added to the list, and the bank has been waiting for the installment payment for more than 90 days.
Obviously, whoever is on this list cannot count on a loan or get a very unfavorable offer that will maximize the bank’s coverage.
From 2011 onwards, debtors’ positive credit data will also be mandatory. They also keep track of customers who pay their installments on a regular basis and within the deadline. This is a list of so-called good debtors.
Members should be rewarded
Maybe you didn’t know he was on the positive list of debtors? If you get a loan on behalf of your business, you won’t get the approval of the financial institutions, it’s a fully automatic procedure. As an individual, it is up to you to make a voluntary statement as to whether the KHR processes and transmits your data.
The database is updated monthly. It really only has ’eminers’ on it: if the customer fails to pay off the monthly installment on time, it will be removed from the positive debtor list.
Our credit history is clear
We have the opportunity to look at what information is stored about us, you can ask our financial institution or BISZ Zrt. The information is highly protected, everyone can only know the information about themselves, and there is no way to query the credit history of another company or individual.
It is worth noting that, like a negative record, we can retrieve our data for free once a year, and this is not unnecessary as it is possible that outdated, outdated data may appear on our profile, or that there is a great deal of information distorting our data.
The judgment of a positive list of debtors is otherwise not very bright in professional circles. It was originally intended to get the best customers through better loans, but that didn’t happen.
Debtors and prospective debtors are classified by financial institutions into categories A, B, C, D, E. From the banks’ point of view, the goal is to get the best-rated, that is, to obtain A and B clients, which would have been subject to another consideration. Since the introduction of the positive list of debtors, it has come to light that according to the data provided, the picture of clients is not completely correct, as according to the list, A and B clients do not even exist in Hungary.