The credit bureau is very often the reason why a loan can not be taken. The banks and savings banks in our country are very critical with their customers and look very closely in advance who wants to work with them. The main criterion is the credit bureau, which must be free of negative entries, so that, for example, the inclusion of a loan can be possible.
But more than 6.6 million people in Germany can only dream of a “clean” credit bureau. They have or had financial problems that have negatively impacted the credit bureau and now make sure that in life not everything is as easy as you would like it to be.
So taking a loan with a negative credit bureau is very complicated. Because the German banks are very critical in this regard and hardly willing to compromise. But what to do if it is actually a loan with completed credit bureau? If all the debts are removed and only the reference to possible debts in the credit bureau stands? In spite of that, does a loan exist?
The credit bureau needs two years
Anyone who has tried to repay his debts and repay them to the creditors has already achieved a lot. Because without debt and the pressure that can be associated with them, it lives at the same time much more relaxed.
However, if you want to get going again and need a loan, you will soon realize that not everything is over yet and the relaxed phase in life can not yet begin. Because negative entries in the credit bureau remain up to two years after their completion in the credit bureau. This means that you need a loan with a completed credit bureau, which is not really easy to find.
If the bank retrieves the credit bureau when applying for the loan, it only sees that there are negative entries. What status these have, the bank can not recognize. As a result, it will reject the loan application on a flat-rate basis. Anyone who wants to have a loan with a completed credit bureau in spite of all, must be active and make sure that the entries in the can not be a problem.
Delete the entries
So you can try as a borrower to delete the negative entries from the credit bureau. For this you should always first contact the old creditors and ask them for a deletion. Since they are most likely to know that all debts have been settled, they will most likely agree to a cancellation. The contact should always be in writing, so you have something in hand, if this path does not lead to the desired goal.
Because the old creditors do not delete the entries in the credit bureau, you can contact the credit bureau directly and ask for a deletion. But you have to prove that all liabilities have been paid off and that you have already tried to apply for cancellation via the creditors. The credit bureau will then take care of the problem and take appropriate steps, so that then a loan with completed credit bureau can be recorded.