On social networks we got used to share p align= details of private life, the plans and mood. And at the same time the few think that someone is capable to use all this information in the purposes. For example, banks began to use it when reviewing requests for the credits. Similar practice was originated in the West, but today and the Russian banks began to pay attention to pages of the clients on social networks. This tool of a study of the candidate of the potential borrower helps to receive on it more comprehensive characteristic.
In case of a study of accounts in social networks the banks pay attention to different factors. Some of them are capable to have a positive impact on the decision of credit institution, others, on the contrary, are able to be a cause of failure in a loan.
the Bank will be positive if:
- the statuses on the page have positive, vital character;
- photos hint at the material welfare of the borrower (the reports on foreign trips and expensive purchases which are followed by a large number of photos);
- among friends in social network are absent the persons with negative credit reputation who are in trouble with the law.
But sometimes page contents in social network is capable to be a reason for a failure in the credit:
is existence among friends of persons with the criminal past;
- the statuses on the page have depressive or aggressive character;
is a mismatch of the personal data specified in the account with the valid.
- delete the records and posts having aggressive or negative emotional character;
- place photos from rest if spent a vacation in the southern resort; - delete
from the list of friends of those who according to your data had problems with the law or are a malicious debtor on the credits.
If you have no accounts in social networks yet, then it does not make a sense to get it before visit of bank. It will be considered as attempt to mislead the employee of the bank. It is necessary to adjust only the page created by you rather long ago.
Should not suppose that the bank will make the decision on issuance of credit only as a result a study of the account of the client in social network. Nevertheless the level of income and a status of credit history of the borrower have bigger value. But page contents in social network can play a role when the bank fluctuates in decision-making. Perhaps, it will allow to obtain the much-needed credit.