{"id":19389,"date":"2021-04-23T06:58:00","date_gmt":"2021-04-23T05:58:00","guid":{"rendered":"http:\/\/catalinx.ro\/wordpress\/?p=19389"},"modified":"2021-04-23T07:09:06","modified_gmt":"2021-04-23T06:09:06","slug":"uk-n-ai-nevoide-de-aplicatii-de-credit-score-mizerii-sintetice-pentru-prosti-sintetici","status":"publish","type":"post","link":"https:\/\/catalinx.ro\/wordpress\/?p=19389","title":{"rendered":"UK: N-ai nevoide de aplica\u021bii de credit score. Mizerii sintetice pentru pro\u0219ti sintetici"},"content":{"rendered":"
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Sunt pe un grup de facebook de oameni care sunt interesa\u021bi de cump\u0103rat \u0219i renovat case \u0219i, s\u0103-mi bag pula, cu toate glumele cu romulani, c\u0103-s ne educa\u021bi, c\u0103-s \u021b\u0103rani, m\u0103 uit cum \u00ee\u0219i renoveaz\u0103 romulanii casele, comparativ cu ce-am v\u0103zut prin UK \u00een mai multe contexte \u0219i devin cumva, brusc, m\u00e2ndru c\u0103 sunt rom\u00e2n. Serios. <\/p>\n\n\n\n

Dar nu despre asta vreau s\u0103 scriu. Ci despre credit score. <\/p>\n\n\n\n

Tot se fut \u00een cur unii din grupul \u0103la c\u0103 n-au credit score de-ajuns ( au peste 900 la experian , lol ) c\u0103 nu le d\u0103 banca \u00eemprumuturi, de\u0219i ei sunt super\u0219mecheri la boostuit credit score. <\/p>\n\n\n\n

Eu mi-am f\u0103cut cont la jego\u0219ii \u0103ia de la Experian <\/strong>( \u0219i l-am \u0219ters, normal), dar DUP\u0102 ce mi-a fost aprobat morg\u0103l\u0103ul. Creditul adic\u0103. C\u0103 m\u0103 tot \u00eentrebau diferi\u021bi agen\u021bi de credite ( brokeri ) c\u0103 ce credit score am ? De unde s\u0103 \u0219tiu, coaie, eu m\u0103 ocup cu brokeritul ? <\/p>\n\n\n\n

-C\u0103, v\u0103 pute\u021bi deschide un cont pe experian \u0219i…<\/p>\n\n\n\n

-…\u0219i s-o fut pe m\u0103-ta, eu nu-mi deschid cont nic\u0103ieri, eu vreau credit, \u00ee\u021bi pun la dispozi\u021bie informa\u021bii despre mine \u0219i veniturile mele, faci tu ce verific\u0103ri vrei \u0219i \u00eemi spui dac\u0103 ai o ofert\u0103 sau nu. <\/p>\n\n\n\n

B\u0103i \u0219i pentru ce conteaz\u0103 nu a fost chiar simplu, dar nu pentru c\u0103 nu avem credit score super mega califragilistic<\/strong>. Ci pentru c\u0103 eram de 1 an \u0219i jum\u0103tate \u00een UK, ceea ce nu-i chiar de ajuns, nerezident permanent, nu eram nici angajat permanent, ci salariat pe salariu minim la compania mea deschis\u0103 de nici un an \u0219i unde traficam venituri mici, unde aveam \u0219i so\u021bia angajat\u0103 tot pe minim, iar eu voiam s\u0103 ob\u021bin credit pe venituri din Rom\u00e2nia, netaxate \u00een UK . <\/p>\n\n\n\n

Aha, ia la pul\u0103, na!<\/p>\n\n\n\n

Am luat un contract serios, \u00een afar\u0103 de o chestie mic\u0103 pe care o foloseam eu s\u0103 aduc bani \u00een UK \u0219i am \u00eencasat venituri timp de 3 luni. Mai serioase a\u0219a dar nu fantastice. 5-8000\/ pe luna c\u0103 era abia la \u00eenceput \u0219i greu cu pornirea. <\/p>\n\n\n\n

Cu aia \u0219i cu un broker priceput \u0219i pl\u0103tit <\/strong> am ob\u021binut un credit destul de bun , cu o rat\u0103 destul de bun\u0103 de\u0219i nu am scor de credit excelent, c\u0103 nu am niciun credit anterior \u00een UK , nici m\u0103car sub form\u0103 de card de credit. <\/p>\n\n\n\n

N-am folosit nicio \u0219mecherie, niciun boost, niciun nimic. Doar am \u00eencasat bani , i-am \u00eenregistrat \u0219i am prezentat contractele \u0219i facturile la banc\u0103 . At\u00e2ta tot. Dac\u0103 ai asta nu ai nevoie de confortul unei bare verzi \u00een vreo aplica\u021bie. <\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n

Aaa, ce zice Experianu’ vie\u021bii despre asta? <\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n

C\u0103 am un score ( ei zic \u201dfair\u201d), dar \u00eel prezint\u0103 de c\u0103cat, dac\u0103 ne lu\u0103m dup\u0103 culoare – gen coaie, e\u0219ti vai de pula ta, m\u0103-n\u021belegi? Ca \u0219i cum \u00ee\u021bi trebuie musai verde 999, s\u0103 \u00ee\u021bi spun\u0103 ei cum s\u0103 faci ni\u0219te \u201d\u0219mecherii\u201d, s\u0103 par\u0103 c\u0103 e\u0219ti mai creditabil dec\u00e2t e\u0219ti deja. <\/p>\n\n\n\n

Pentru ce conteaz\u0103, c\u0103caturile \u0103lea de te pun ei s\u0103 le faci, s-ar putea s\u0103 te \u00eencurce mai mult dec\u00e2t te ajut\u0103, mai ales dac\u0103 ai venit mic. C\u0103 ei te pun s\u0103 faci tot soiul de creditule\u021be mici s\u0103 se vad\u0103 domne c\u0103 e\u0219ti un \u00eemprumutac bun, degrab\u0103 pl\u0103titor de dob\u00e2nd\u0103 mare \u0219i la timp. Dar, creditele \u0103stea, dac\u0103 sunt pe rol c\u00e2nd aplici tu de morg\u0103l\u0103u, o s\u0103 at\u00e2rne la venituri indisponibilizt \u0219i-\u021bi limiteaz\u0103 rata \u0219i, prin urmare, suma \u00eemprumutat\u0103. <\/p>\n\n\n\n

Prin urmare exist\u0103 un singur sfat, truism , care se aplic\u0103 la orice: nu mai fi\u021b’ s\u0103raki.<\/p>\n\n\n\n

Munci\u021bi, c\u00e2\u0219tiga\u021bi bani cumva taxa\u021bi, cas\u0103<\/em><\/strong> se vad\u0103 c\u0103 sunte\u021bi cinsti\u021bi, chiar dac\u0103 nu sunte\u021bi, pl\u0103ti\u021bi-v\u0103 utilit\u0103\u021bile \u0219i ce debituri directe mai ave\u021bi, la timp, nu face\u021bi credite de consum aiurea – \u00een ciuda sfaturilor tuturor calculacilor de credit score – ca s\u0103 ave\u021bi un venit disponibil c\u00e2t mai mare. \u0218i str\u00e2nge\u021bi ceva avans semnficativ, c\u00e2t de c\u00e2t acolo, un 80% m\u0103car. <\/p>\n\n\n\n

C\u0103 nu o s\u0103 po\u021bi merge tu ( cel pu\u021bin nu momentan) la banc\u0103 cu ecranul de la experian pe 999 s\u0103 ceri dob\u00e2nd\u0103 preferen\u021bial\u0103, c-o s\u0103 prime\u0219ti una-n muie. Altfel te duci cu 40-50% avans.<\/p>\n","protected":false},"excerpt":{"rendered":"

Sunt pe un grup de facebook de oameni care sunt interesa\u021bi de cump\u0103rat \u0219i renovat case \u0219i, s\u0103-mi bag pula, cu toate glumele cu romulani,…<\/p>\n","protected":false},"author":2,"featured_media":19637,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[136],"tags":[4341,4339,4340],"class_list":["post-19389","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-civilisation","tag-credit-cu-credit-score-mic","tag-n-ai-nevoie-de-experian","tag-nu-ai-nevoie-de-credit-score"],"views":1408,"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/catalinx.ro\/wordpress\/wp-content\/uploads\/2021\/04\/Credit-score-ul-e-degeaba.png","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p4Eq23-52J","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/19389","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=19389"}],"version-history":[{"count":6,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/19389\/revisions"}],"predecessor-version":[{"id":19643,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/posts\/19389\/revisions\/19643"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=\/wp\/v2\/media\/19637"}],"wp:attachment":[{"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=19389"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=19389"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/catalinx.ro\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=19389"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}