Getting rid of payment remarks is a good first step in ordering your personal finances. Having a good personal finance is important in today’s situation, especially when you have to sign contracts of various kinds or if you need to borrow money for something you need to buy.
What is a Payment Note?
A payment note is usually a strong sign that you have not handled your previous payments for any reason. For example, it can lead to you not getting a loan, an apartment, a job or a telephone subscription.
It is the credit reporting companies that issue so-called payment remarks, not Kronogfen, as many believe.
How then does a payment note arise?
If you owe any money and do not repay these by agreement, the feeding owner (the one you owe money) can apply to Kronogfen for a so-called payment order. The creditor then directs through the Kronogfen a requirement for you to pay your debt. The application for such a payment order is registered and sent by letter to you. In the application for injunction, you will see who thinks they have a claim against you and how big your debt is. You then have a certain time to object to this requirement. If the claim is correct and you do not raise any objections, the Kings Place will issue a ruling. It is rarely a good idea to object if the debt is “right and proper”.
Information about this is registered with credit reporting agencies and usually leads to a payment note being registered with the credit reporting agencies.
How long does a payment note remain?
A payment note is usually left with the credit reporting companies for 3 years. There is nothing you can do to unregister it. The only occasions when you may require the payment note to be deregistered are if it is issued completely incorrectly, which they rarely are.
How do you get rid of payment remarks?
Yes, the only way to get rid of their payment complaints and thereby recreate a good private economy is to pay off their debts that have caused payment complaints and then wait out the time when the payment notes are no longer registered with the credit reporting companies. It may feel tough and even like a long wait but it is always “better late than never” when it comes to getting organized and finding out about your private credit rating.
How to avoid payment remarks?
Of course, avoiding getting payment remarks is the best of all. If you have already received payment reminders, be sure to get rid of them even if it takes some time. Of course, not to incur new payment remarks is A and O when you need to increase your credit rating because a low credit rating has a very negative impact on your freedom of action when you have to sign different agreements on different things in everyday life.