When the fathers’ income was still worthwhile, the family could live on it and even vacation in Spain or Italy was possible, it was rather rare that loans had to be taken out to finance everyday life, even if an unplanned expenditure came in between. The home could be built and a simple real estate loan secured your own four walls. The housewife was allowed to be a housewife and calmly take care of the upbringing of children and take care of the house.
Today it looks different and the private debt of the Germans increases and increases. The obligation to consume is disproportionate to the income that is achieved, unemployment, Social Welfare, single life and being a single parent do the rest. Hardly anyone can claim to be debt free.
The influence of the Credit Bureau
Credit Bureau is probably the largest German credit reporting agency based in Wiesbaden. Every adult German who has a cell phone contract, who has bought something on installments, who has asked for a loan is registered there by name and if problems arise with the repayments, they are recorded in Credit Bureau and influence future loan and installment purchases , – or credit requests.
It is undisputed that Credit Bureau does not only have a major influence on consumer behavior indirectly and that it can make many dreams, wishes and necessities a thick line – the Credit Bureau (information) decides: about the new refrigerator, the car repair, the vacation, the building project.
The term Credit Bureau is of course indirectly negatively affected. The German consumer knows that Credit Bureau hovers over everything like a Damocles sword and, with the slightest discrepancy, can make decisions about prosperity and spoilage. Even if there is sufficient working income and the credit requests are so small – if the information from Credit Bureau indicates a poor score, the loan application will not be successful or the new mobile phone contract will not be concluded.
Can a loan be realized despite a negative Credit Bureau?
The customer, who now sees all the skins swimming away, because he knows that his Credit Bureau information is not flawless (repayment difficulties, late payments, broken loan contracts, credit inquiries and ongoing financing are noted, as well as insurance and other financial obligations), quickly like the head stuck in the sand and think that there is no way to finance the new car or to organize a short vacation with the family this year.
But the whole thing is not so hopeless, because there are also ways to get a loan promptly without the infamous Credit Bureau information and the associated entry. For example, numerous loan offers from other European countries are available. The quickest express credit, despite a negative Credit Bureau and poor creditworthiness, can be found in the www with just a few clicks.
Apply for an express credit despite negative Credit Bureau information
The express credit despite the negative Credit Bureau is the simplest solution to get the two mutually exclusive positions, credit and negative Credit Bureau information, under one roof. Credit providers in other European countries do not work with Credit Bureau, and German customers can take advantage of this fact by searching for providers on the Internet who specifically offer these offers.
The banks in Austria and Switzerland deserve special mention here, since German is also spoken there and the local customer can easily understand the terms of the contract. Of course, the loan from abroad is not fundamentally ready to be paid out faster, but if it then has to be particularly quick, there is an express credit for this despite the negative Credit Bureau.
If a corresponding offer is found on the Internet, all further steps are quite simple. The loan amount and the term can already be selected online and set on the computer. Many additional offers can be selected or deselected to suit your own needs. In this way, the express credit is personalized immediately despite the negative Credit Bureau and all steps are transparent and understandable.
The customer does not have to worry about getting into dubious providers if he starts the search for an express loan despite a negative Credit Bureau, because it is well-known banks that offer this variant specifically and are therefore especially aimed at German customers.
Special offers without special conditions
Anyone who thinks that not everyone can “just” apply for an express credit despite a negative Credit Bureau is wrong, because it only needs a few conditions that have to be met. For example, it should be possible to provide sufficient income to apply for a regular application so that the lender can see that there will be no unnecessary complications with the payment in installments.
Of course, the customer must be of legal age in order to be able to apply for an express credit despite a negative Credit Bureau. The credit itself is what the name says – it is paid out promptly and the German Credit Bureau as a credit agency is not involved, so neither the usual queries about the score value are raised, nor is this new loan transmitted and recorded as such.
The express credit despite the negative Credit Bureau is practical, extremely customer-oriented, uncomplicated and easy to find on the Internet and thus offers all Cream bank customers who are looking for a loan and who would fail because of bad “Credit Bureau information” from their own providers to still fulfill their wishes and to clear financial difficulties out of the way.