question in Credit status

[bhong1012]

Good day mga Sir, wala ako idea pagdating dito, share naman kayo. i want to ask lang what will be your credit status in Bank, kapag nabatakan ka ng CAR? hindi ka na ba pwede magloan ule from other bank? and are you banned in all bank? sira na ba credit status mo! Thanks in Advance!

[tanatej]

Parang ganun na nga. A reposessed car looks worse in a credit report than a delinquent/written off credit card.

So before you take out a car loan make sure you have looked far ahead in the future and assessed your capabilities in paying off the car down the road. Or you could also consider a lease instead.

[kihtmaine]

Good day mga Sir, wala ako idea pagdating dito, share naman kayo. i want to ask lang what will be your credit status in Bank, kapag nabatakan ka ng CAR? hindi ka na ba pwede magloan ule from other bank? and are you banned in all bank? sira na ba credit status mo! Thanks in Advance!

Tsk...hirap niyan.

Black listed ka na niyan.

Anong kotse ang hinatak sa iyo btw?

[bhong1012]

Tsk...hirap niyan.

Black listed ka na niyan.

Anong kotse ang hinatak sa iyo btw?

di pa ko nababatakan, ping iisipan ko pa! mgmimigrate na kc ako sa state by next year. kaya plan ko n isole, kso magiging black listed ka naman, bka continue ko na lang.

[bhong1012]

Parang ganun na nga. A reposessed car looks worse in a credit report than a delinquent/written off credit card.

So before you take out a car loan make sure you have looked far ahead in the future and assessed your capabilities in paying off the car down the road. Or you could also consider a lease instead.

thanks bro! it help me think twice...

[1D4LV]

di pa ko nababatakan, ping iisipan ko pa! mgmimigrate na kc ako sa state by next year. kaya plan ko n isole, kso magiging black listed ka naman, bka continue ko na lang.

benta mo na lang, and pay your loan in full.
o benta mo ng onti tapos ipatuloy mo yung MA sa buyer..
hwag mo pahatak bro....tama si tanatej...

[qarban]

Walang kinalaman ang credit history mo sa Pilipinas sa credit worthiness mo sa States. Ang magiging status mo ay "No Credit" pagdating sa States. Ibig sabihin kelangan mo ng co-borrower pag nag-loan ka ng tsikot o kaya naman bibigyan ka ng APR na 15% or more

[Robenson]

Good day mga Sir, wala ako idea pagdating dito, share naman kayo. i want to ask lang what will be your credit status in Bank, kapag nabatakan ka ng CAR? hindi ka na ba pwede magloan ule from other bank? and are you banned in all bank? sira na ba credit status mo! Thanks in Advance!

Banks have credit mapping facilities (C-MAP). Alam nila sino nabatakan coz' they all share informations. Kung papautangin ka pa ay depende na sa kanila if they will take the risk kasi may history na ng delinquency. Kung may kilala ka sa loob mas malaki chance mo. Hindi naman kasi lahat ng nabatakan ay talagang balasubas. Yung iba talagang minalas lang for some reason or another.

Read this post, this might help

http://panyero.wordpress.com/2009/12...my-car-part-1/

[daimengrui]

FYI C-MAP can still be expunged if you know who to rub elbows with. Not so sure with BAP but that one is only used in Credit Card applications.

[tidus1203]

Taasan mo downpayment mo para tumaas pag-asa mo...