At the same time, if your CRB score is insufficient, they can provide you with a loan by showing the right way. But what is the CRB score? CRB (Credit Registration Bureau) score is the system that allows you to keep your previous credit and credit card usage records as your registry. The payments of not only you but also other credit and credit cards that you vouch for are evaluated on your CRB score.
Also, when your credit card and credit payments, which we call high borrowing, exceed a certain percentage of your total income, your CRB score starts to be affected negatively. When your SGK premiums are irregular, even if your CRB score does not decrease, it will be in danger. If you make regular loan applications and don’t use the pre-approved loans, your CRB score will decrease.
Credit advisors constantly monitor the interest rates
Applied by the Banking Regulation and Supervision Agency to banks. The Banking Regulation and Supervision Agency were established after the 2000 crisis in order to track the unpaid loans of banks, which we call bad loans. The duty of the credit advisors is to find the most suitable loan for you or to go to the root of the problem by doing the necessary research on why the rejected loans could not be withdrawn. The only thing to consider when taking out a loan is not the interest rate. At the same time, the maturity and monthly payment amounts of the loan you will take are very important in order not to affect your income level negatively.
One side of credit advisors is that they provide the right loan. For example, only the credit advisors can know from which bank you can get it when the monthly payment you make corresponds to 70% of your income level. It is one of the most common mistakes to take general-purpose loans to buy a car, we can learn from the credit consultants that you need to take a car loan and which car loan you need to take advantage of.
Another contribution of credit consultancy to the consumer
It is their effort to prevent bankruptcy. Bankruptcy is the case when a person cannot pay expenses such as rent, regular taxes, minimum payments of credit and credit cards, and invoices and employee salaries. And if a good credit advisor allows you to attract the right interest rate and the right term loan at the right spot, this will save you from bankruptcy. As we always say, it is not important to take out a loan. When you take the right loan at the right time, you will get rid of economic difficulties.
But is the loan only withdrawn at times of trouble? No, credit can also save you a product you need and buy it right away rather than waiting for months. Today, many online shopping sites have contracted with reliable banks. For example, he applies for an online loan to buy a laptop, a special loan is issued so that you can only buy the computer of that model, and the bank automatically makes the payment to the shopping site.
You only have the product that pays for the shipping
This is one of the best examples of both general-purpose loan and online loan. Just like when you get stuck in cash, if you can withdraw a cash advance from the nearest ATM by choosing a certain interest rate and the appropriate term from your credit card, buying a product from a shopping site and selling the product in cash also offers you a similar advantage.
We cannot end by writing the benefits of credit consultants to the consumer. Do not think if you need the right advice credit, the best experience is to see. You can get help from our credit consultants on many issues. Especially if you have had a personal credit experience before, after working with a credit specialist, you will analyze the mistakes you have made in the past better and establish a more comfortable balance of income and expenses.