Bad payers are those who in the past have not been able to repay one or more installments of a loan as established in the terms of the contract, due to negligence or difficulty in paying the debt contracted. In this second hypothesis and if you have several open emergency loans, to avoid getting included in the list of bad payers, it may be appropriate to resort to solutions that allow you to cut costs, such as debt consolidation .
If, on the other hand, you are a public or private employee with a paycheck or a retiree, one way to avoid problems with the payment of the installments is to resort to the assignment of the fifth : in this case, the employer or the employer physically pays the installments every month. pension institution.
However, it is good to remember that any person who requests any form of loan from a credit institution is automatically entered in one of the databases that allows you to evaluate his credit profile. From that moment, all information regarding the emergency loans will be kept for a certain period of time, which varies according to the purposes of the processing and the events of the credit.
Therefore, being reported in the Risks Center does not necessarily mean being bad payers , but rather having a credit or a guarantee equal to or greater than the reporting threshold against an intermediary (250 euros for bad loans, 30,000 euros in other cases).
The information contained will be available for all other banks or financial companies to which the subject will contact for a subsequent loan: the database may show that the user pays or has paid the debt regularly, or that the same is considered a bad payer. because he repaid late, or did not pay one or more installments of the loan.