If you need a loan but are registered in ASNEF, it is likely that you have applied for one in many financial organizations and they have given you a negative answer because they are reported in said delinquency file. However, we have good news for you, since applying for loans with ASNEF and getting them is possible. But you must have a good understanding of your situation and the alternatives available to you to request the money.
What happens is that every traditional banking organization, before lending money as a loan, makes a study of the credit history of the possible debtor or client. If the person is reported in ASNEF or any other registry of defaulters such as RAI or CIRBE, that immediately excludes the person from obtaining financial services such as a loan. In other words: obtaining credits with ASNEF is more difficult, but it is not impossible either. Fortunately, there are currently some formulas that you can follow if your objective is to get a loan, being reported in a delinquency file as ASNEF.
Due to the rise of digital platforms, many niche markets have been transformed in a mandatory way, and the financial market is no exception. There are new ways of doing business and now it is possible that many entities offer you mini-credits with Financial Credit Institutions. It is important that you be careful before carrying out a request for a mini-credit with Financial Credit Institutions, bearing in mind that there are many people who take advantage of the goodness of people to deceive them. These types of people will tell you that they are capable of getting fast loans with Financial Credit Institutions, but be very alert, because what they really want is to get your money so that they never return it to you.
What can you do then to be sure that the person does offer credit with Financial Credit Institutions? The first step is to verify that you are dealing with a legally incorporated entity. In addition, if it is a legitimate entity, its address, branches, company name, telephone number, among other information will appear. You can contact the same company, or find out through the competent authorities if it is a legitimate entity. Rest assured that there are many organizations that offer mini loans with Financial Credit Institutions and they are totally legitimate.
Safety comes first, and you can never be too cautious when it comes to compromising money. That is why we suggest that you make an inquiry about the organization with which you are interested in obtaining the loan. Once you are sure that you are in contact with serious and professional people, just follow the instructions to get your money.
If you have a property or a high value asset, this is a great point in favor that will make it easier for you to obtain personal mini-credits with ASNEF. There are organizations that offer loans online with ASNEF, but the condition is that it has a mortgage guarantee. In these cases, the amounts approved by the entity are higher. However, do an analysis on your financial situation before going into more debt. If you need to keep going into debt, make a realistic plan to ease your debt gradually to avoid problems.
Jerome P Allison ( LinkedIn )