After how many days am I reported to the credit bureau if I am late with my payment? If I have been reported can I still take out a loan?
Reporting to Credit Bureau is made for arrears of more than 30 days. 📆
The data stored in the Credit Bureau's records system is kept for 4 years:
➤⠀from the time of payment of the last outstanding instalment;
➤⠀or from the date of the last update sent by the bank.
If you are currently in the Credit Bureau's system of record, it doesn't mean you can't take out a loan with us. 😮
In this case, we will also review (in addition to your situation at the Credit Bureau) your material and family situation to decide if you are eligible for a new loan, according to our lending rules and policies. 🙂
❗⠀If you're thinking of taking a credit:
➤⠀you can calculate your monthly instalments online in the BT credit simulator;
➤⠀and then find out over the phone if you qualify for the desired amount. 😃