Take out a loan or a loan with bad credit. Real help in obtaining a loan with a bad credit history

In today's realities, credit with poor credit history and open delays hard to get. Lending is one of the important components financial market v Russian Federation... Loan approval occurs only after reviewing all documentation, including a certificate from the BCH.

If the story is positive, then there will be no problems. If there were loans with delays, non-payments, fines, then the COI will be negative. How does this happen, and which bank will give a loan?

Impact of a client's reputation on obtaining loans

How to get a loan with a delay and bad credit history? The base with clients who took out loans is the basis on which the bank relies on lending. Each certificate is stored for up to 15 years. Therefore, it is rather difficult to get a loan in case of delays. The risk of non-payment increases. Therefore, the bank reinsures itself against unscrupulous clients by checking its credit history. Issuance mortgage loans requires additional reinsurance at the bank.

What can increase or decrease the customer's chances?

The situation with a damaged credit history turns out to be less critical. First you need to assess the problem situation.

To do this, it is necessary to correlate the following parameters:

• Time frame / loan amount.
• Available current debt at the bank.
• Current conflicts with a financial institution or security service.
• Litigation with a banking institution.

These parameters exclude the possibility of obtaining a new loan. Banks loyal to bad credit give approvals and loans.

A loan is possible if:

1. The client has contributed to the resolution of financial difficulties in previous cases.
2. There are delays and violations due to serious circumstances.

Reasons for being blacklisted by the BCH

The granting of a loan is in question if you have a negative credit history.

Factors that affect the status of your credit history:

• Violation of payment deadlines... Banks that give loans will immediately mark you in the database as an unwanted customer. Subsequently, he will not receive a loan, since he will not be approved.
• Minor violations of the terms of the agreement... This is not the fault of the client. He credits the money on time, but they come to the bank with a delay. Also, when withdrawing commissions when transferring money, there will be small underpayments. This creates an interest bearing debt. The financial institution that gives the loan will pay attention to this.
• Incompetence of bank employees... In this case, it will be easier to apply for a loan if you prove your case. To do this, you need to contact the BKI for an investigation. Negligence of employees due to late entry of payment data can play against you.

How to get a loan with a bad credit history?

These clients are carefully selected by the providing organizations. It is not very rare for clients to make decisions about another loan. Critical situations are common. Such a client is offered several lending options, but the conditions for him will be strict.

A positive answer may await the borrower who is willing to find and provide collateral. A car can act as collateral, real estate or valuables (papers, jewelry, etc.).

In the execution of the agreement there will be a clause indicating that if the payment schedule is violated, then it will be necessary to pay off the debt with money from the sale of the pledge.

Microloan

You can urgently receive funds by filling out an online application. From the documents you will need a passport of the Russian Federation, TIN and a completed application. Such a loan can be obtained by both working citizens and the unemployed. The legal force of this agreement is the same if you made it out at a financial institution.

Banks almost always agree and issue such loans to everyone. The loan can be obtained as soon as possible.

Services for issuing microloans:

• Platiza - instant transfer to a credit card.
• Zimer - instant transfers online.
• Catch a Loan - a loan on ordinary terms.

Loans from a private person

On Russian market lending by individuals is very popular, especially in big cities. They will cover all costs. The client will need to familiarize himself with the conditions, discount rate and term, and sign an agreement. You receive the loan in cash immediately after signing.

In this case, you need to be extremely careful, because there are more and more unscrupulous citizens and fraudsters every year. You can additionally consult a lawyer.

Brokerage support

Brokers are experienced traders in their field. Banks that approve a loan for you may be directly influenced by brokerage firms. You will not receive a mortgage or car loan, but a consumer loan is guaranteed to you.

But the costs of brokerage support are considerable, you have to spend money here. There are cases when the services of brokers are more expensive than the loan itself.

Before signing, it is better to double-check all the conditions.

Credit card

Financial institutions that issue loans to unscrupulous clients also arrange credit cards without much desire. But there are those who do not require a certificate of income, will not pay attention to the credit history. Here, strict conditions apply to the client. You are guaranteed a high discount rate and a minimum interest-free period. In which bank is it possible to get a credit card on optimal terms?

Advantageously, you can apply for a card at Touchbank, Otkritie Bank and Renaissance Bank.

Can I make adjustments to my credit history?

To become a conscientious client again, there are chances for those who regularly make payments according to the established schedule. After a few months, you yourself are improving your situation. You just need to get a new loan.

New cash loans paid on time give you a chance to fix your credit history. In this case, rehabilitation is provided.

If you have a large loan and do not have the required amount to repay, contact your bank for debt restructuring. It is likely that you will be heard and the bank will determine new conditions.

Terms of Issuing Banks

Banks that approve loans to unscrupulous clients put forward the following requirements:

1. The client's pledge (vehicles, real estate or valuables) acts as a guarantor of the transaction.
2. The run-up of the discount percentage is great - from 17 to 55% per year.
3. Young people from 21 years of age can get a loan. The age limit is 65 years.
4. The maximum loan term is 5 years.
5. The maximum amount provided will be 650,000 rubles.
6. Funds can be given in person or transferred to a card.
7. V mandatory the payment schedule should be adhered to.
8. Otherwise, the financial institution will accept penalties.

Where and how to arrange a loan?

The first step is to write an application for a loan. You can fill out on the official website of the selected institution or together with the manager in the department. The manager will issue a form in which you need to enter personal data. After examining all the documentation, the bank makes a decision to the client. The manager informs you about this or, if everything took place in online mode, then a notification will be sent to the mail. All required documents must be presented to the manager, including documents on the collateral.

There are times when the first payment is required to confirm the inviolability of the transaction. After all the procedures carried out, the client receives money.

What banks give loans with bad credit history?

The list of banks issuing loans to unscrupulous clients is presented in the table.

Proposals are assistance in the selection of financial services / organizations. Not an offer. The site administration is not responsible for the quality of the services provided.

We provide assistance in obtaining a loan to clients with poor CI, refuseniks, unemployed. Blacklists. Load.
Registration - any region of the Russian Federation. No prepayments and collateral.
The best lending conditions - 9.9% per annum, maximum term loan - 15 years.
The application is made through its employees of the Bank, there are no refusals.
We receive the decision on the next business day. The maximum loan amount is 5 million rubles.
We work without days off and holidays, every day from 8:00 to 22:00. Write to the mail at any time.
We guarantee the result with 10 years of experience in the field of lending. Write and call!

Name: Alexander Vladimirovich

Mail: [email protected]

LLC "SKP"

Receiving is possible in Moscow, St. Petersburg and 25 more cities of the Russian Federation. No prepayment.
We work:
- up to 3,000,000 rubles.
- with bad credit history
- with a high credit load
- we provide a guarantor, refinancing is possible
- low interest rates
- payment of our commission only after receiving a loan
Working hours: 8.00-21.00 Moscow time, write at any time.
We will help and advise on any lending issues.

Name: Alexander

Mail: [email protected]

LLC "SPETSINVEST"

Quick help in obtaining a loan! Amounts from 300,000 to 3,000,000 rubles!
We will help you get a loan even in the most desperate situations,
people with any Credit History (blacklists, FSSP). Simple lending scheme. No prepayments. Payment upon receipt.
Call from 9 00 to 21 00. LEAVE APPLICATIONS TO THE MAIL 24/7!
CONDITIONS:
Your location: Moscow and Moscow region (Required)
The presence of a permanent registration in the regions of the Russian Federation.
Age 21-60
The lowest interest rates on the loan.

Name: Anton

Mail: [email protected]

LLC "GRANI"

Quick assistance in obtaining a cash loan up to 5,000,000 rubles.
Approval in the shortest possible time (1-2 days), without running around the banks.
We consider various credit history:
-Zero- (no credits).
-Positive-
-Loan load-
-Late payments- (open or closed delinquencies).
Adequate conditions: 14% per annum, up to 10 years, no insurance.
Reasonable commission (individually), deposits and guarantors are not required from you.
We will carry out your application for personal contacts in the bank. We work seven days a week.

Name: Andrey

LLC "CREATOR OF THE CENTURY"

WE WORK STRICTLY WITHOUT ADVANCE PAYMENT, WITHOUT INSURANCE !!!
Credit conditions: Amount: up to 10 million rubles, Term: up to 15 years, Age: from 18 to 70 years, Rate: 9.9% - 12.9%, Employment is optional! We work all over Russia! Registration of the Russian Federation.
Your bank!
ANY CREDIT HISTORY, heavy workload, delays, bailiffs, black lists - not a problem! Getting a loan in a convenient region of the Russian Federation, if you have the necessary branch. Submitting an application remotely, without an initial visit to the bank,
CONSIDERATION WITHIN 1-3 HOURS, work through the Management and Security Service of the Bank (Own people), guarantee of approval, payment of commission after receiving the loan.
Call 24/7! We will be happy to help you!

Name: Kalyadin Petr

Mail: [email protected]

LLC "CONCOR-INFORM"

We work STRICTLY WITHOUT ANY KIND OF ADVANCED PAYMENTS AND OTHER RUNNING (checking the BCH, certificate, insurance, etc.)
- We work with all regions of the Russian Federation (where there are our branches), strictly with Decent and Adequate people in their right mind!
- We work with only one bank (the level of the Security Service and the Board of the Bank)
- The main thing for us is that you do not have debts in our bank! We will bypass the rest (delays, MFOs, debts, bailiffs)
- We issue only Consumer loans(cash loan)
- Amounts from 300,000 to 6,000,000 rubles (without collateral, guarantors, certificates), the interest rate is fixed at 10.9% per annum
- Consideration from 2 hours to 1 day maximum (depends on the amount)

Name: Oleg Andreevich

Mail: [email protected]

SIBTEC INVEST LLC

We arrange a loan through the bank's security service in one day, we consider any difficult situations, including debtors, convicted persons, unemployed.
100% guaranteed receipt.
We work without prepayment! We do the inquiries ourselves, without prepayment! Our commission is paid by you upon receipt of the loan.
Age from 21 years old, registration of all regions of Russia. Any amount from 150 thousand to 3 million rubles!

Name: Sergey

Mail: [email protected]

IE Grosheva O.V.

We cooperate with the right people in the banking security service and private investors. Bank loan and private loan in very difficult situations!
We work with delays, increased workload, blacklists, stop-lists, bailiffs, we will help, even if they refused everywhere!
Amounts from 300,000 - 4,000,000 rubles. in 1-2 business days!
Commission only after receiving money without prepayments in Moscow, St. Petersburg, Novosibirsk, Krasnodar, Vladivostok, Khabarovsk
To receive Money leave applications by e-mail or call.

Name: Alexey

Mail: [email protected]

IP Polyakov V.V

We provide official assistance in obtaining a loan on reasonable terms. Transparent and affordable terms of the transaction, citizens from any region will be able to use our services. The amount to be considered from 200,000 thousand to 3,000,000 million, at 11% interest.

Official assistance is offered in solving financial matters... Our competent bank specialists will help you get the required amount, in the amount of two hundred thousand to three million, the rate is 10-11% per annum. We work with citizens living in different regions, to complete the application, you will need a passport and a second document

Recently, requests for lending have increased greatly among the population, and the concept of a loan has become firmly established in the everyday life of Russian citizens. Every second Russian has a credit card or has already applied for a loan from a bank. However, not all are equally responsible for the terms of obligations and pay the debt on time. As a result, the client earns a bad credit history, which negatively affects future applications to the bank for a loan. Bad credit history - what to do to fix it and get a new loan?

Any credit institution perceives a client with a bad history as unreliable, which greatly complicates the lending process.

When issuing a loan, there is a certain algorithm for checking the borrower in order to identify his solvency. Checking your credit history is one of the key points that indicates whether the borrower will be able to fulfill their obligations and return the money on time.

But what if in the past there were problems with repayment of the loan and the schedule for depositing money was violated? In fact, there are several options for correcting your credit history so that the bank will approve a loan in the future.

It is difficult, but possible, to fix a credit record. Sometimes negative points are considered more positive than the complete absence of any customer data.

Where are credit histories stored?

Many clients who turn to a bank and hear a refusal due to a bad credit history are interested in the question, where is this information stored and how legal is the use of this information by banks?

In order to systematize the work of banks and reduce financial risks credit institutions, the Unified Bureau of Credit Histories was created. All information about clients' loans instantly goes to this Bureau and is reflected in the register. At the same time, it is impossible to influence, correct or change this information. The register is in the department Of the Central Bank RF and has full authority to collect and accumulate data on loans issued to individuals and legal entities.

The Russian Bureau of Credit Histories (abbreviated as RBKI) is an organization created to systematize the credit histories of all borrowers for banks, leasing and insurance companies, credit cooperatives and organizations.

The credit bureau contains information about how often the client took out loans, for what amount and whether there were problems with payments.

At the same time, the client, before contacting the bank, can independently check it to find out how realistic it is. BCI has several official partners who have this information and provide it to the public on a paid basis.

But does this really mean that if you miss a payment once, and the person will no longer be able to take out a loan? Of course not. Each bank sets its own requirements for the client's solvency and the level of his credit history.

The situation when a person missed 1-2 payments, but at the same time paid off the mortgage for 10 years, there will not be a similar other situation if a person took a TV for 20 thousand rubles and stopped paying after the third month.

Therefore, even if a client is included in this list of tainted stories, this does not mean that he has no chance of getting out of it.

What is the essence of a bad credit history? As a rule, it is enough to skip the day of the loan payment several times, according to the schedule of how the data with information is sent to the Bureau. But in fact, it also happens that a client is included in the list of "penalties", but at the same time the client himself did not have a single loan in the past. How does this happen? Sometimes even debt for utilities, problems with tax office may negatively affect your credit history.

Any litigation and proceedings are also recorded in history and can cause problems in the future. Thus, the credit history contains all the information about the client regarding his fulfillment of obligations.

According to the law, every citizen of the Russian Federation has the right to one free check per year of his credit history.

How does the client's bank check before issuing a loan?

Each bank has its own algorithm for checking the client's solvency and discipline regarding the payment of the loan. This process is called and includes verification of several basic factors.

Scoring is an algorithm for checking a client by a bank in order to determine his solvency.

When determining financial risk, the program takes into account the following indicators:

• age;
• availability of employment;
• social status;
• marital status;
• credit history.

Availability formal employment- this is one of the most important criteria that influences decision making. If a potential borrower can provide a copy of a work book along with a 2-NDFL certificate, which reflects big salary, then the financial risk for the bank is minimized as much as possible.

But many banks understand the realities of today economic situation in the country and go "halfway" to those clients who have a large income, but at the same time cannot confirm officially. In this case credit institution offers to fill out a certificate in the form of a bank, where a person indicates his real income not only from the place of work, but also from additional sources.

It is the presence of a permanent income that allows banks to make a decision on lending and indicates that the client will be able to fulfill his obligations under the agreement and make the amount according to the payment schedule.

But in order for the bank to approve a loan application without official employment and a 2-NDFL certificate, it is necessary that the client has a good credit history.

The client's history of all banking products that he has issued is formed over the years and is stored for years. Sometimes even a conscientious and disciplined client can be rejected due to an allegedly damaged dossier.

What influences a bad reputation?

Video. Bad credit history. What to do?

8 ways to fix your credit history

Method number 1. Submitting applications to several banks at once.

It should be said that each bank has its own verification algorithm and a credit rating indicator, which determines the solvency and influences the decision to issue a loan.

For example, if one bank refused you, this does not mean that another bank will not agree to issue a loan. Some banks not only apply to RBKI for information, but check the client in a different way. And, having received information about past loans, they analyze what exactly caused the decline in reputation.

Method number 2. Change in the amount and term of the loan.

When checking the client's solvency, the bank takes into account several factors. The loan amount and the term of the loan play an important role in making a decision and indicate the financial risk to the bank. The larger the amount, the higher the financial risk for the credit institution.

It should be noted that bad story has varying degrees of severity and character. In one case, the bank may offer a smaller amount or a longer loan term, in others it may completely refuse. Late payment is not evidence of poor solvency, but a lack of discipline. But a complete refusal to repay the loan immediately transfers the client to the category of "penalties". This situation will be very difficult to fix.

For the bank, a gross violation of the terms of the agreement is an overdue payment for a period of more than one month.

In a situation where in the past there were cases with missed payments, which were then closed with one amount, you can ask the bank employee to change the amount in the application and add a smaller one to the program.

Method number 3. Providing a complete package of the document.

As a rule, each bank requires a standard package of documents, which includes:

• passport;
• 2-NDFL certificate;
• a copy of the work book.

If you want to prove your solvency and emphasize that the situation, compared to the previous loan, has changed for you and today you have the opportunity to pay the monthly installment in full. These documents can be a certificate of receipt of income from the delivery of real estate, land, etc.

Method number 4. Take a small targeted loan

If you need large sum money, but the bank does not approve of the decision due to a damaged credit history, then the situation can be changed as follows.

Make a small target loan, for example, on household appliances. Chain stores quickly approve such loans and still require a minimum package of documents. A small amount will be easy to repay. Don't try to close it early repayment- this also does not have a positive effect on history.

After the disciplined fulfillment of all obligations under one agreement, one can count on a change in the credit rating.

Method number 5. Become a client of the bank

This method will also be convenient for those clients who are counting on a large loan, but at the same time the bank does not risk issuing money due to a damaged credit history.

Banks are quite loyal to their customers. You can apply for any banking product to be included in the list of “my clients” of this bank.

It could be debit card, savings deposit on small amount money, credit card, etc.

Within 3-4 months after using these products, you can go to the bank again and apply for a large loan. The situation can change for the better for you and you will receive a positive decision.

Method number 6. Loan with collateral and guarantors

A collateralized loan or a loan with the provision of guarantors for the bank presents the lowest financial risk. In this case, the company can "close its eyes" to the damaged credit history and approve the amount you need.

But keep in mind that the bank will also check the credit history of the guarantors. If these people also did not differ in discipline in the past, it will be difficult to count on a positive decision.

On the decision to issue a loan in positive side will also play the provision collateral... The loan may be secured by a car, land plot, apartment, dorm room, etc. But be prepared for the fact that the process of completing the transaction will take a lot of time, because the bank will have to additionally check the liquidity of the collateral.

Method number 7. Contact an intermediary

In order to get a loan with a bad credit history, you can contact a broker.

A specialist, having analyzed your situation and the level of your credit history, will determine by himself where it will be better for you to take a loan. Firstly, it will allow you to significantly save time, because the analysis bank offers presented at modern market, will take a lot of time and effort.

Secondly, an expert will objectively assess your situation and give helpful advice... Alternatively, he may offer you to take a loan from an MFI or a private investor.

The interest rate on these products is much higher than at the bank, but the loan approval rate is also high. In addition, if you comply with all the conditions in a disciplined manner and pay the loan on time, this will have a positive effect on your credit history. After repayment of such an express loan, you can again try to take a loan from the bank.

Method number 8. Credit card processing

At the same time, it is important to issue 1 credit card in different banks and one electronic wallet, with which you will need to make some manipulations.

The mechanism is simple - you withdraw money from one card by opening a loan. Then transfer money to an electronic wallet that acts as a clipboard.

Wait a while until the grace period (grace period) ends and you pay back the entire amount of the debt. you may have to pay a small commission for transactions, but at the same time, after 2-3 such transactions you will be able to increase your credit rating and apply for a bank loan.

it legal way and you risk nothing. It is only important to comply with the maturity dates and clearly take into account the size of the commission for the transfer of funds, otherwise you will only aggravate the situation with your credit reputation.

Where to get a loan with a bad credit history?

The number of refusals for clients' applications due to damaged credit history is growing every day. But many banks, not wanting to lose potential customers, are beginning to be more loyal to this factor and check the customer's solvency in all other ways.

Before going to a credit institution for a loan, carefully prepare and collect a complete package of documents that will confirm your solvency. Perhaps this will help change the bank's decision in a positive direction.

Banks that lend with bad credit history:

• Moskovsky Credit Bank issues up to 2 million rubles. Interest rate is about 18%;
• Zapsibkombank issues 750 thousand rubles at 20%;
• VTB 24 - up to 500 thousand rubles under 19.5%;
• TransCapitalBank - up to 850 thousand rubles under 18.5%;
• Nomos-Bank issues up to 1 million rubles at 17%.

Video. Take out a loan with bad credit history

Output

Making out Bank loan, always be very careful about contractual obligations.

As you can see, credit history is a key factor in determining the solvency and discipline of the client. The bank's decision to issue a loan depends on its nature. But even with a bad credit history, you can count on getting a loan if you restore it using one of the above methods.

In the best case, it will be possible to get a loan with a damaged credit history only at a high interest rate..

In most cases, banks refuse to issue a loan to such clients and they have to take out microloans or turn to services.

It is very easy to spoil a credit history; three types of violations are entered into it:

1. Norm- delay of no more than five days;
2. The average- repeated delays for a period of 5 to 35 days;
3. Serious- failure to repay a loan or refusal to fulfill its loan obligations.

In the first case, your credit history will not be ideal, but you will most likely receive a loan on a general basis. In the second case, the credit history will be considered bad, and not all banks will agree to deal with you. In the third, access to loans is most likely closed for you.

If you do not know what is written in your credit history, it is better to ask for it.

First, you need to send a request through any BCI ( credit bureaus) or the bank about which bureaus your credit history is stored in, since different banks work with different BKIs. This service costs 150-300 rubles.

If you know your credit history subject code, this information can be found for free on the website Central Directory credit histories. Then to the corresponding BKI ( or - in a few) it is necessary to apply personally or send a request with a signature certified by a notary. You will receive an answer within 10 days.

Which bank can I get a loan from?

If your history is really ruined, you will have to be careful when choosing a bank to get a new loan.

Some banks specialize in lending to borrowers with bad credit history.

If there are no serious violations in it, there is a chance to get a loan from banks " Tinkoff Credit systems «, « Renaissance Credit«, « Home Credit Bank"And some others.

Delivered to the client by mail or courier on the day of contact. Customers with bad credit history can get the card. Credit limit set individually, based on the borrower's personal data.

Credit limit up to RUB 500,000

Loan rate 15,99–30,99%

Term from 24 to 60 months

Proof of income

Not required

The loan is provided according to 2 documents - a passport and any other of the following: driver's license, diploma of education, TIN, pension certificate, military ID, passport.

A loan for any purpose without 2NDFL certificate. To receive a reduced interest rate, the client can provide documents confirming the amount monthly income including in the form of a bank.

Most often, these are express loans, which are issued according to a simplified procedure without checking your credit history.

For example, Renaissance Credit offers to receive up to 30,000 rubles. for up to a year at 17-38%.

If you need a large amount, you can contact " Home Credit Bank", Here under 40% and higher you can get up to 250,000 rubles. for up to 5 years... Although a borrower with a bad credit history should not count on providing maximum amount for the maximum period for this proposal.

You should also pay attention to banks that are actively issuing credit cards. The interest on them will be quite high, from 20 to 70%, but the requirements for borrowers are minimal.

Pros and cons of loans with bad credit history

• First, you still get money;
• Secondly, if you successfully redeem new loan, then next time you can count on more favorable conditions.

Banks are more likely to take into account the latest lines of credit history, and with perfect observance of financial discipline, it will gradually improve.

But on the other hand, you will have to overpay a lot for using the money, and if even minor violations are committed on the loan, the doors of credit organizations will close in front of you forever.

What you can't get a loan with a bad credit history for

You will not be able to take a loan with a large amount and a long repayment period: car loan, mortgage and others similar loans... Banks give loans with bad credit history only for a short period of time ( from 6 months to 1 year).

Therefore, if your credit history turns out to be damaged for some reason, the path to its correction will be long and difficult, and you will have to start with small consumer loans with high interest rate or microloans.

It is easy to spoil your credit history, and getting a loan with a bad credit history is even more difficult. And if this has already been done, there are only two options: wait 15 years ( the period during which the credit history is stored) or try to gradually restore your credit reputation by receiving and paying off your loan obligations on time.

This may take more than one year, but as a result you will again get access to very important bank credit resources in our time.

Need a real person to help you get a loan? Do you know how to distinguish a good specialist from scammers who promise guaranteed assistance in obtaining a loan with a bad credit history?

For many scammers, helping with getting a loan with a bad credit score is a way to make money, and if you really need help getting a loan with a bad credit history, check out our portal's recommendations before moving on to the ads.

How to recognize a fraudster?

• Many organizations and individuals write in their ads: we will help you get a loan with a bad credit history, a guarantee, etc. Already in the text, you can identify the first signs of deception:
• Good brokers cannot guarantee 100 percent assistance in obtaining a loan with a bad credit history. There is always a possibility of failure.
• Look for help in getting a loan with bad credit history without prepayment, as upfront remuneration is fraudulent in 95% of cases.
• The sweeter the conditions, the lower the likelihood of finding help in obtaining a loan with bad credit and delinquencies. If your ad contains too many promises, it probably isn't worth your attention.
• Do not opt ​​for remote assistance over the phone when obtaining a loan with bad credit: insist on a face-to-face meeting.
• Do not transfer originals or copies of identity documents under any pretext.
• If assistance in obtaining a loan with a bad credit history involves the preparation of fake certificates from work, remember about the criminal liability that will fall on your shoulders, and not a broker with a fictitious name.
• Quick help in obtaining a loan with a bad credit history is of less quality, since the maximum that will be picked up for you is a private loan. Real help in obtaining a loan with a bad credit history includes an analysis of past loans based on the CRI report, correcting data, improving indicators, and only after that, applying for a new loan.
• More truthful are the announcements of the category "I will help to take out a loan with a bad credit history through a bank employee" - intermediaries perform a coherent role between the borrower and loan officer, officially not eligible to provide assistance in lending on a paid basis.

By observing these rules, you will be able to sort the ads for help in obtaining a loan with a bad credit history on the credit board yourself, minimizing the risk of running into a fraudster.

By submitting an application to the section “help in obtaining a loan”, such content as “help to take a loan at stake,” you will attract the attention not of brokers, but of small intermediaries from MFIs. A good specialist always has a job and is unlikely to look for you on his own. Often, those who urgently need help in obtaining a loan with a bad credit history turn to ad specialists, forgetting about the simplest way to check a broker: studying reviews and comments about him on the Internet. Spend an extra 5 minutes searching by last name or phone number to save time talking with pseudo-specialists.