Put simply, credit is the reputation for repaying debts on time. The better your credit, the more willing companies and people will be to lend you money, issue you a credit card, let a house or flat to you, hire you, or provide services to you on favourable terms.
Good credit doesn’t require a spotless payment history, but poor credit, once established, can be difficult to escape. When you apply for a credit card, personal loan, or any other type of
credit, the lender must decide if you are a good credit risk. Creditors do this by checking your background to see how you’ve paid debts in the past. A poor repayment history will hurt your ability to receive credit.
To determine if you are a good credit risk, most lenders use requirements and scoring systems. You will need to pass the requirements for factors such as type of occupation, length of employment, and annual income. Applicants may also receive scores for the number of previous or current creditors who have rated their credit payment history highly.
If you are deep in debt and are applying for more credit, a creditor may consider you to be over-extended and deny your application, believing you may not be able to handle additional payments based on your income and existing obligations.
Sistem Layanan Informasi Keuangan (SLIK) adalah sistem informasi yang dikelola Otoritas Jasa Keuangan (OJK) guna mendukung mekanisme pengawasan dan layanan informasi keuangan.
Pengajuan kredit bank melalui beberapa tahap proses agar kredit dapat dicairkan.
Salah satu dari platform digital yang membantu lembaga keuangan dalam analisa kredit adalah SLIK online.
Pengajuan kredit merupakan salah satu solusi untuk sobat IdScore yang memiliki kebutuhan yang perlu dipenuhi segera.
Nah biar bisnis jadi lancar dan pengajuan kredit usaha tidak jadi bencana, berikut tips untuk memulai bisnis dengan modal dari kredit usaha
Untuk membangun skor kredit, sobat IdScore butuh kredit. Untuk mengajukan kredit, sobat IdScore butuh skor kredit. Terus, kalau pertama kali mengajukan kredit, gimana caranya agar pengajuan bisa diterima?