In the credit disbursement sector, the meaning of blacklist, in English blacklist, mainly indicates all those hypotheses in which payment problems occurred in the face of any loan disbursed. We have underlined the term “mainly” because there are cases in which the enrollment in a black list prescinds, as we will see, from a real loan but you are still enrolled.
The white list or white or positive list
There is not only the black list of loans but there is also what we, on the other hand, can call the white list or white or positive list or the one in which all those who have regularly paid the loans are included: if the black list makes access to credit difficult, the white list facilitates it. But let’s go back to blacklisting by explaining some important things. So, loans also in black lists or bad payers lists: how to get them? It depends on the type of blacklist in which you are registered but also on the work done!
Bad pay blacklist: what are they? First of all, with the phrase “bad payer” many individuals are identified, both natural and legal persons, regardless of the blacklist in which they were inserted: in any case they will be called in this way. So, we have many blacklists: individually it is called database, risk center, sic (Credit Information System) etc., preceded by nouns and/or adjectives such as register, archive, list or, indeed, lists. Let us briefly indicate them: the Crif – Eurisc, which is certainly the most important, then there are the Experian, the Cerved and the Ctc.
A black list does not always derive from a failure to pay installments
There are other specific black lists such as Assilea (which concerns leasing), but we have that of the protested (Rip), that of foreclosures and bankruptcy subjects. At the beginning, we said that enrollment on a black list does not always derive from a failure to pay installments: well, this is the case with the Cai blacklist. In the latter one can end up in behavior linked NOT necessarily with late payments. Before moving on to some of the solutions that allow you to also grant loans to members in the black list, we indicate the times of permanence in a black list.
Length of stay in the crif: how long does it take for automatic deletion from the crif? In the worst case scenario, you can stay on this black list for many years… In many sites, you read 3 or 5 years! Well, in a sense it is true, pity that the aforementioned sites do not ask the following question: when do the aforementioned years pass? Well, the decorum for the automatic cancellation from the crif runs, in the case of loans that will never be reimbursed, from the extinction date foreseen in the contract! By way of example: we have a 15-year unpaid loan from the fourth year onwards: we remain registered for another 14 years or 11 (the remaining years) + 3 (those foreseen by the CIFR). Not only.
Automatic cancellation of protest register
There are cases in which the automatic cancellation can take place after 5 years: to establish it, in 2017, it was a provision of the Privacy Guarantor under which the five-year period CANNOT be exceeded even if there are reports of updates subsequent to the primary, initial one.
Automatic cancellation of protest register: this also occurs after 5 years from publication. Following is the list of foreclosed persons (Rid): the cancellation occurs after two years if the foreclosure has satisfied the creditors, after ten years otherwise. Finally, the automatic cancellation CAI: this occurs after two years if it concerns the cards, six months in the case of checks. Now we come to financing in black list or how to have access to credit despite the black list?
Loans also on the black list: how to get them? Remember that, in addition to the blacklist type, we said it detects the job? Well, in all those cases in which we can sell the fifth (or double) we will NOT have problems: the transfer of the fifth, from this point of view, is very powerful: it does not matter what type of suffering the black list registration has generated, yielding our share, we will still have access to financing. And in case we can NOT give it up? Then you need guarantees, which you can view generically on loans for reported crifs without assignment for self-employed workers or the more specific ones on loans for protestors or at loans for foreclosures. If the report concerns the CAI plant, see loans for CAI reported.