If you do not live in Riga v Ariete find information by mail. Application should be sent to the Lat

The idea that my credit enter your search history is worth nothing is outdated and wrong. In recent years, enter your search the role of credit history has grown rapidly enter your search and is becoming a decisive factor in deciding to grant a loan. It does not matter - fast credit, consumer credit, car lease or mortgage, credit is always tested. How do I know what is my credit history?
Determine what your credit history is possible after previous exposure to credit and debt repayment. In general, possible to distinguish three types of credit history: no credit history (not previously taken a loan, not the guarantee); positive credit history (all loans, debts and payments are made in a timely manner, the current obligations are complied with the contract term); negative credit (debt or credit enter your search delayed execution).
Bad Credit in most cases arise in situations where the requirements are not fulfilled the contract. Initially, the lender or service provider is trying to recover money amicably, enter your search but if this is not possible, recovery of debt are usually passed on to a debt collector, but information on the facts of the infringement shall be included in the list of debtors. At the time the information is included in the black list of debtors or debt collection is transferred to a debt collector, customers receive a written letter or at least a phone call. If this is the case, there is a 70% probability that the credit is already negative. On the other hand, if they agree to meet its obligations without judicial involvement, there is a possibility that the credit history is not damaged. Interestingly, many still require loans with adverse credit history, but the possibility of obtaining them becomes smaller. enter your search
In practice, there are two lists of debtors: Latvian Commercial Banks (includes information enter your search on all obligations to commercial banks, including data on the borrowing enter your search date, maturity, performance, delay. enter your search INFORMATION credit register enter your search for 10 years and is only available to commercial banks and their subsidiaries) ;
The right to know your credit history is every citizen of Latvia. To find out what is my credit Latvian bank credit register is to go to the Latvian bank offices (Kr. Valdemāra 1B, Riga) and write an application. Will be answered within 1 business day, but most often it happens right away.
If you do not live in Riga v Ariete find information by mail. Application should be sent to the Latvian enter your search bank branch Kr. Valdemāra 2A, Riga, LV-1050 addition will be required to mail payment. More detailed information can find out by calling the Latvian banks (tel. 67022497) Private credit bureaus (private credit history database, where the information can be placed in any company or individual who uses a particular debtor registry services. Information enter your search stored in the database for 10 years and is available for any loan Office of the customer).
Latvian is currently running a number of private credit history database - history, Julianus enter your search Inkasso Latvia, Paus Konsults, UAB "Gelvora" Latvian branch and many more. All the above companies are operated in parallel as a debt collector, but total debt collector is already bigger than 10 For more detailed information about yourself, please contact the relevant company with a written submission.
It is planned that in the near future could be adopted in the Cabinet of Ministers to adopt the term - the credit bureau enter your search and credit history will make an even greater importance. Databases will be gathered not only customers' bad credit history, but also information about the performance (positive credit history).
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