According to wordstat.yandex, every month 7,000 people try to find the blacklist of banks, which includes careless borrowers. Allegedly, borrowers from this list are not given loans. Let's try to figure out whether there really is a blacklist of bank debtors, where to find it and how to avoid getting on it.
We scoured the Internet, forums and online services in search of a blacklist, but never found it. It turned out that there is no single blacklist of bank debtors, because there is no need for it - banks use publicly available sources: the credit history bureau (BKI), the FSSP and the Federal Tax Service. Banks have enough information from these sources to assess the borrower's creditworthiness.
The “black list” is a set of stop factors from open sources that block a person’s access to bank loans. For example, current overdue loans, unpaid fines and debts to the tax office.
What are black lists and stop lists?
Only disciplined payers do not end up on banks’ blacklists. And if a person deposits certain amounts, but does it late or completely refuses to repay the bank, then he will definitely be on this list.
Please note! You can be included in the stop list on the following grounds:
- the presence of long or regular delays in payments;
- deception of bank employees when applying for a service (meaning the transfer of knowingly false information);
- fraudulent transactions;
- the client is declared incompetent or has mental illness;
- the presence of a prison sentence;
- sanctions from law enforcement officers (was wanted, debts were repaid through the courts, etc.).
For example, if you accidentally made a mistake in your passport information a couple of times while filling out documents when applying for a banking service, you can easily get on the specified list. It is understandable if such an incident was an isolated incident, but if it is repeated several times, then you will definitely be suspected of fraud.
How bad is it to be blacklisted? You will definitely have difficulties applying for a loan, loan or opening a credit card.
Is it possible to take out a loan with a blacklist?
Microcredit companies rarely refuse to issue money without compelling reasons. Online loans are available to unemployed people, pensioners and students. Borrowers who have closed a previous loan in arrears can receive approval for a microloan from an MFO. But borrowing money with an outstanding debt and a stop list is more difficult.
⚠️ It is impossible to say with certainty that the IFC is guaranteed to refuse to issue money. It is possible to get a loan with a black list from new companies that do not carefully check the borrower.
You can get a loan on a card from microfinance organizations that are ready to cooperate with citizens who have systematically delayed payments.
Please note that loans to debtors with a black credit rating are subject to strict conditions:
- Minimum credit limit amount. Debtors cannot expect more than 7-10 thousand rubles, and the IFC can only approve 2-3 thousand.
- Maximum interest rate. Companies are exposed to increased risk, therefore interest-free and promotional loans are not provided for debtors who have a black CI.
- The loan term is often no more than 15-30 days.
