Credit Information: Things You Must Know About

Many people know that banks and lenders dislike credit information, but fewer know why. Those who apply for loans in several places for a short period of time can reduce the chances of a good interest rate and, in the worst case, risk not having their loan application approved.

Your credit rating can deteriorate if a lot of credit information is taken on you for a short time. Here we list 6 things that you need to keep in mind to prevent credit information from damaging your credit rating.

Let’s start by clarifying the most important things first:

What is a credit report?


A lender needs good evidence to determine the risk of lending and granting of credit. According to the Consumer Credit Act, banks and lenders must take a careful and careful credit check before granting a loan. A credit report is used to make a risk assessment if you have financial prerequisites to pay interest and repayment on a possible loan, which is based on your personal financial history and current situation.

A credit report is registered for 12 months and contains information about your:

  • Loans and active credits
  • Payment notes and debt balances
  • Previous credit information (last 12 months)
  • Personal information such as name, address, income, property holdings and marriage regulations.

This takes us to the list of the 6 things you need to know about credit information:

Two types of credit information


For private individuals, there are two different types of credit information; Micro information (UC13) and Personal information (UC3). These contain different amounts of information and affect creditworthiness to varying degrees. Below you can see what each contains:

Personal Information (UC3):

  • Name and address
  • Income data two years back
  • Marriage
  • property Holdings
  • payment Notes
  • credit inquiries
  • Debt balance at Kronofogden
  • Active credit

Micro Information (UC13):

  • Name and address
  • payment Notes
  • Debt balance at Kronofogden

A personal information (UC3) is apparently a more comprehensive information that is always registered on you and thus affects your creditworthiness, especially if a lot of personal information is done on you within a short period. This type of information is always standard in, for example, the loan application when the lender needs all the information they can get to make an adequate risk assessment of you.

The less detailed Micro Information (UC13) is a milder variant that is not recorded and therefore does not affect your credit rating . If your future landlord says that he or she wants to take a credit report on you, then you can then ask if the information contained in a micro-information is sufficient.

So the tip here is to try to avoid personal information and prioritize micro information to the extent possible. Good to know then is that different parties have the right to / can see different information (for example, lenders can see more than one mobile operator).

There must be a legitimate reason


The actor who is interested in taking a credit report on you must, by law, have a legitimate reason, which limits who can do credit information on you. In addition, you must always approve a request that credit information is taken on you before it is executed, which you should only do if there are legitimate reasons.

A legitimate reason could be, for example, if you make a loan application from a bank, rent an apartment or be employed in a higher position with financial responsibility (eg financial manager).

Do you credit or Good Finance? Which one I choose? Opinion of a professional

When we are presented with an unexpected expense and we do not have enough money, the first thing we think about is asking for a quick loan. Among so many options, it sometimes becomes difficult. The best in these cases is to make a comparison among the best. Here we are going to contrast two offers of fast credit companies that stand out: Good Credit and Good Finance.

Do you credit or Good Finance? Which one I choose? Opinion of a professional.

Why choose Good Credit


We can get a credit instantly for any eventuality . You can opt for a minimum amount of $ 500 and a maximum line of credit up to $ 5,000. They do not charge management fees or commissions for loan approval. The repayment term is 61 days up to a maximum of 36 months.

We have the possibility of making the return flexibly in 36 months, without paying commission for early repayment. The requirements and conditions for applying for fast credits are the same for both Good Credit and Good Finance : being of legal age, having an address in Spain and having a valid identification document (DNI or NIE).

No endorsement is necessary or obtain another bank account. It is also not necessary to collect by payroll, only to have verifiable monthly income, regardless of whether the money is obtained by payroll, unemployment benefit, pension or self-employment. Neither Good Credit nor Good Finance accept files from delinquents such as ASNEF or any other similar.

The application process of both companies is completely online

The application process of both companies is completely online

From the application process to its approval. It is not necessary to leave the house or make long lines, much less perform bureaucratic procedures. Just having the Internet, a computer or a mobile, the rest is easy.

In both companies, the approval response is obtained in a few minutes . The company offers the client the income of the money in only 15 minutes, if the loan is approved. With regard to fast credit reimbursement, it offers us flexible payments: between 2 months and 36 monthly payments.

If we make an advance payment, whether full or partial, we do not pay any commission. If we find it difficult to pay a fee, Good Credit gives a “month of respite,” that is, deferring the monthly payment. It is feasible to anticipate or postpone the return time, when we request the modification. This service carries a minimum additional cost.

Finally, in terms of interest rates, it offers a considerable range of financing for those who apply, from loans with a minimum APR of 24.90% to loans with an APR of 381.28% maximum reserved for higher risk profiles.

Advantages of choosing Good Finance


Good Finance has a direct credit line that allows financing any emergency. The amount that allows us to get varies between $ 500 and $ 4,000. They do not charge maintenance fees or commissions for loan approval. Nor is it essential to change banks. The repayment term of this company is longer than that of Good Credit.

The return terms range from 12 to 42 months. They do not charge commissions for partial or total cancellation. The final term can change in a month according to the days of financing. The credit approval response is immediate. Although the income of the money is made in 24 hours maximum, if the loan is approved.

Good Finance fast credit reimbursement offers us flexibility in the amount of fees : between 12 months and 42 monthly payments, as well as the fee we prefer to pay. They do not charge any commission for early repayment. The interest is the same for all credits and terms. Minimum and maximum APR: 24.51%, TIN: 22.12%.

In short, both companies have their similarities and differences. The truth is that both companies offer financial products that represent an effective solution for those who at some point we face a money problem. Because they are personal loans online, all management is agile, fast and secure.

If you have been interested in this comparison, you are probably also interested in this one between E-Money or Good Finance, where we explain in which cases one or the other is convenient.

How Much Does a Money Problem Solve – Repay Loans

Nowadays, many people are facing huge financial problems due to unforeseen circumstances. Loss of work, delay in wages, decrease in income, increase in expenses, inability to repay loans and other unforeseen expenses … All this brings us to a situation when it is difficult to survive a month in a plus and get rid of all expenses and debts.

Money is not immune to those who make good money. Everyone sometimes gets into a situation where they do not see a way out and still find themselves in a vicious cycle of costs and debts.

At the beginning, most ignore the problems because they think that the money situation will be solved by itself. But over time, because of this thinking, we come to a hopeless situation from which we no longer see a way out of money problems.

How much is a monetary problem worth solving when we find ourselves in a situation where there is no way out, from which we must act now and here, take matters into our own hands and finally get rid of money problems? Everyone would then give their all just to get away and live unburdened and free again.


The solution to all monetary problems is free!

money problem

But the solution to the monetary problem does not have to be expensive , it does not even have to cost a single lime, or a single banking fee or fee. The solution to all monetary problems lies in cash loans. These are free online loans that will get you out of any situation and support you in all, at first glance, out-of-the-box situations.

All new users of Welma Florence Bank who choose online loans from 300 to 3000 dollars and with a repayment period of up to 30 days can get the money to solve the money problem on the same day and will repay exactly as much as they have borrowed – not even a penny more.

If you want to solve your financial situation in the same day, with no surprises and hidden costs, you can request cash loans anywhere. Just fill out the online form and the money is yours in 15 minutes.


How to Live the Plus?

How to Live the Plus?

Before making a loan, make a plan and evaluate your financial situation well. It is also important to include the lowest cost in your financial plan, because only in the end you will be able to evaluate what you can give up and how to save.

It’s not unusual for many to live on credit cards today . Be careful, because then you never dollars exactly how much money you currently have available, you can easily lose money in repayments and the additional costs that result from them.

Namely, the membership fee is usually free during the first year, and later it is charged. If you have two, three credit cards, these costs could go up to over $ 500 a year . Get rid of credit card debt, because the solution to money problems lies in free online loans . At no charge, as much as you borrow, you will pay back as much.


Minus bills are also a big budget trap that many easily fall into

Minus bills are also a big budget trap that many easily fall into

Did you dollarsow that your approved minus in your account can cost over 1000 kuna a year? Close the minuses with free cash- only cashbacks. In addition to finally getting rid of the minus, you will save the amount you give annually as compensation for the approved minus.

Withdraw all money from your account every month and schedule it well . You need to dollars exactly how much money you need for overheads and food, and put some of that money into savings. Make a plan and spend only what you have left over after calculating the difference between income and expenses.

Good Finance Credit benefits

In moments of real urgency, the need arises to get certain sums of money to solve unforeseen situations . On the other hand, many entrepreneurs yearn to change their future by making investments of different categories that generate a greater number of income.

Whatever the reason, it is always a real challenge to have financial resources immediately , especially when dealing with banks, the large number of requirements discourage anyone. However, there are quick and immediate alternatives that modify this fact , we talk about Good Finance Credit.

Unsurpassed online loans


Good Finance Credit is a direct platform with which it is possible to process loan applications immediately and without intermediaries. Making an appearance in a certain office and waiting for long periods of time is part of the past.

Good Finance Credit benefits

The advantages it offers perfectly exceed other lenders, given its track record in the financial field. Here are some:

  • Through the official website, users can perform simulations of loan offers by simply selecting the reason that motivates the request and the expected amount, the system will issue an offer that will be sent in a personalized way to the email.
  • The rates are low compared to other financing entities .
  • Interest is distributed equally among investors .
  • The response capacity on loan approval does not exceed 48 hours .
  • It has an international presence.
  • Monthly fees are fixed and convenient to pay .
  • The deadlines are defined by the applicant according to their needs and capabilities.
  • The procedure is presented with transparency to the parties involved .
  • The platform maintains constant communication with the users, with the purpose of indicating any novelty regarding the loan, as well as, previous reminders about the dates of cancellation of quotas or others .
  • The maximum term to pay will depend on the type of request .

Steps to make credit applications

It is very easy to process any request , the first thing you should do is enter the page and register, then the user selects the type of credit that is required.

As these are fast loans, once the petition is formalized, the system will issue an immediate response that will allow it to continue with the next phase: annex of documents and endorsement of the contract. Two days later, the amount is deposited in your bank account and you can now have your money.

With respect to the documents, it is very important that they comply with the indicated parameters , so that they are not discarded by the system and the immediate rejection occurs. While to formalize the contract, it is only necessary to enter the code received via SMS.

Loan selection according to each need


There are many reasons that drive the need to request financing. Loans related to reforms include general or specific arrangements of some internal or external areas of the home. In the case of the acquisition of vehicles , whether new or used, the lapses for the return of the money amount up to six years.

If you have several loans open simultaneously there is a viable alternative that facilitates the unification of them, now is the time to settle all these applications and integrate them into one. This option offers the possibility to control the disbursement of fees more optimally .

Thousands of scenarios arise day after day, unforeseen events occur constantly and usually the solution to certain situations are associated with the availability of money , such as: accidents, health problems, funeral services, surgeries or others.

Over the years, both young people and adults aspire to conclude certain significant achievements that increase the quality of life . Travel, wedding, masters and training, the acquisition of new technologies and more. Other minor projects have been of interest to many, such as investments in small businesses. The reasons are so wide that they do not fit in the imagination.

Opinions and references to evaluate


The most important thing on this page is that it is absolutely reliable and secure , which has been certified by thousands of users who have had the opportunity to receive Good Finance Credit credits. Some of the impressions that stand out are:

  • A high percentage of users agree that the care received is of high quality .
  • If the system rejects any request, it usually has to do with a problem with the documentation presented, once the procedure is corrected it concludes satisfactorily .
  • Fast and efficient experience .
  • The documents can be sent by various means of electronic communication.
  • The requested amounts were deposited without problem in the indicated bank accounts.

Many online pages are characterized by announcing how advantageous and easy it is to ask for some type of credit virtually. It is very easy to be a victim of scammers when you are in the middle of a pressing situation and to glimpse completely “possible exits”.

It is essential to review the trajectory of the company that offers the loan service , verify its presence on the internet, profiles on social networks, comments and user opinions. Registration and certification before the corresponding government authorities are a key factor.

Taking extreme caution regarding the transfer of personal data, especially debit or credit cards and making comparisons between the various alternatives, is also a mechanism to assess the advantages and disadvantages of each option.

Tips for requesting a microcredit

Microcredits are in fashion. Its ease of access, the convenience of return and the pressing need for liquidity by some clients have meant that requesting a microcredit has become commonplace throughout the year. And along with demand, supply has grown exponentially.

Ask for a microcredit, impossible task?


More and more financial institutions, many traditional such as banks and banks, and many modern thanks to the Internet, which offer such services.

Such is the range of possibilities that we have that many customers are overwhelmed by so many options. We make it easy for you and give you some practical advice to request a microcredit.

Requesting a microcredit is an emergency solution for equally urgent situations.

The basic tips to request a microcredit


Keep it real. That you need money does not mean that you have to jump quickly and quickly to the first contract that will put you ahead. You should value very well how much money exactly you need, in what term and how you will be able to return it. You should never request money for less or more, adjust yourself as much as possible.

Set deadlines. It’s the next big question once you’ve answered how much. When? And we do not mean when you will need your money, because practically all the credits in just 48 hours but when you will be able to return it. The entities that offer this type of services trust their customers and give them without the need for endorsement, payroll or even if your name is in delinquent files, but they also establish their return deadlines, which vary from 30 to 90 days and usually Be strict with these times.

Get informed That there are many companies that offer microcredits does not mean that they are all reliable. Browse the web to consult the opinions about which you have known, see if they comment on the small print of their contracts and do not hesitate to ask them all the questions you deem necessary. Transparency is always a sign of trust.

Study the options

The conditions of microcredits do not usually differ much, but it is important that we read in detail those that make up our contract, especially those related to hypothetical commissions, surcharges for non-payment and the fine print of the contract.

Microcredits are a type of financial product that are usually granted at a minimum interest, in many cases non-existent, because what the company wants is to gain customer trust for future operations. Even so, inform yourself very well and remember that microcredits should be a solution for urgent cases and not a constant in your economy.

What is the credit? Financial aspects

All this implies that the mortgage loan has lost its appeal and its popularity has been displaced by other means or credits, such as consumer credit . However, the recent and growing recovery of the economy has once again put interest in mortgage credit , even though the costs of the mortgages granted before the crisis have not yet been covered.

From Ramsay family Unpaid today we will reveal the answer of what the credit is , we will explain the different types of credits that exist and we will guide you, in case you need to ask for one, you have lent money that has not been returned to you or you are a victim of other financial aspects Like the ground clause.

What is the credit?


To understand the concept of credit, we must start by defining what credit is. The credit is characterized as a financial procedure in which we receive a certain monetary amount, for a certain time and up to a set limit.

Generally, loans are usually granted by financial institutions in accordance with stipulated and agreed clauses. Although there are other types of credits that we will mention later. To dispose of that money, commissions subject to interest on the capital we use must be paid.

Once the loan has been finalized and after its termination period, an extension or renewal can be negotiated again.

That is, the purpose of a loan is to cover expenses in specific situations where there is a lack of liquidity. Normally, it involves the creation of a checking account and a credit card .

Credit accounts


Credit accounts are all those bank accounts in which an amount of capital is available, previously agreed with the financial entity. This sum of money will be available to carry with the expenses that we have agreed upon. The most common is to pay annual fees for maintaining it.

Credit cards

Credit cards arise after the need to facilitate payments to consumers. It is a line of credit, which allows the holder to make purchases or withdraw cash from an ATM or bank branch. Among the advantages, we reflect that they can be used worldwide. In this way, we will have money, even without being in cash from the local currency. In addition, it allows flexibility when making purchases, since they can be paid at the beginning or end of the month, as well as split payments.

Depending on the conditions of the contract subject to the credit card we acquire, we can find several types of credit cards , such as classic, silver, gold etc. Support interest is usually charged, as is the credit account .

What is a loan?


According to article 1740 of the civil code , the loan consists of a contract whereby the bank identity makes available to us the amount of money agreed upon. In this case, the money lent to us must be returned during the agreed time period, in addition to paying the corresponding interest and commissions. The most usual is to return that amount in monthly installments to make it more enjoyable.

It is called a lender to that person or financial body which lends us a good or money under a loan . The person who receives the money under a loan is known as a borrower.

Differences between credit and loan

It is likely that the vast majority of us do not know how to differentiate between a loan and a loan. In fact, it is usual for both terms to be confused, even if they are believed to have the same meaning. Actually, these are two very different concepts. Those with financial knowledge may know what I mean. We can differentiate them more easily knowing the following characteristics:

  • The loan is usually used to acquire assets of a large sum of money, such as a vehicle or a home. They tend to have a long duration and the most normal thing is to know exactly the price. On the other hand, the credit is usually used on specific occasions, when it is necessary to have an amount of money at a precise moment. The latter is the most used by freelancers and businessmen, who need liquidity without being knowledgeable about the amount they will need.
  • Normally loans are usually personal, therefore, guarantees or collateral (such as the mortgage) will be required as a backup. In loans , however, no guarantee is generally required, since interest is paid based on the capital spent.
  • When a loan is terminated, a renewal is not allowed, so a new loan agreement will have to be initiated. The credit , in contrast, can be extended and renewed as many times as appropriate, as long as it is within the maximum available.

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A merchant tribunary loans advance loans are provided by the money lender. It is possible to pay back the took out money after sometimes using some of the ideal payment options they may have. It is very easy to get typically the merchant advance financial loans. Most of the companies give you the amount you require to begin your business. After obtaining the money you can use looters loans this for your business needs. Typically the merchant then creates a credit-card critical which is very important regarding repaying the money. Once your credit card is prepared, a small amount goes to the lending company. So you will be able to pay off the money whenever you occurs credit card.

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