How can I learn the loans I use from banks?On January 18, 2020 by admin
It is quite understandable that people who worked with banks more than once in the past have wondered if they had any debt or if the related loans were closed completely. In this context, it will be useful to share alternative solutions and to mention some details for consumers who say how can I learn the loans I use from banks.
How far back can I go?
Banks keep consumers’ loan payments, payment plans and contracts signed for the relevant loan for 10 years. In other words, if a loan has been used within a 10-year period, the relevant records can be accessed, but banks do not have to store data for loans over 10 years. Therefore, 10 years should be accepted as a timeout, it should be known that the records exceeding this period are not binding.
The Credit Registration Bureau has been keeping credit records at the banks for years, making simultaneous notifications and sending data to the banks regarding the credit ratings of the consumers, but in the modern time, it has been decided that this information should not only be limited to the banks but also to be easily understood by the consumer. was established.
Good Finance is the institution commissioned to put mixed data of The Credit Registration Bureau in a way that the consumer can understand more easily and create reports. It is possible for consumers who make credit report inquiries through Good Finance to access all the loans they have used in the last 5 years and the payments made based on these loans. Moreover, the report in question is not only limited to credit, but also information about credit cards can be requested.
How to Inquire?
Consumers who want to make Good Finance inquiries have the opportunity to make inquiries through Good Finance’ own system. In addition, almost all banks make it possible for consumers to make instant credit note inquiries through the internet banking or mobile banking application.
A credit report can also be obtained through the branch. Regardless of what method the credit report has been obtained, the consumers must pay an amount of around 10 USD in any case. For consumers who want to make inquiries from branches, the price of the report can be up to 30 USD, and the most attractive offer is to make inquiries through Good Finance’ own system.
Does E-Government Allow Inquiry?
Credit inquiries cannot be made through e-Government yet. In addition, if there is a follow-up or lawsuit initiated by banks on your behalf, you can access such information through the services tab. TBB may make it possible to use e-Government services in order to make a risk report inquiry in the future, but there is no such practice at the moment.
The Right Way
Information should be requested from the branches in order to obtain the most accurate and clear information. If it is informed that credit has been used before, it must be asked that there is no debt. This report should be kept in a secure file when the letter “No Debt” is received from the bank. If there is no file, a file should be created and important documents such as this should be constantly stored in this file.
If it is claimed that the consumer owes a debt due to various accounting errors in the future, it is a very important document that can be used to prove otherwise. In addition, there is no debt writing is completely free and can be obtained in a short time. The fact that the bank says that there is no debt means that the consumer has no debt to the bank for any product.