Having a good credit history is one of the requirements to get financing easily and quickly. However in many cases it can be an impossible mission, and we are forced to apply for personal loans with FCI.

What in many cases can be expensive as well as difficult, despite the fact that there are many online credit companies specialized in difficult situations even with defaults within the FCI file. Before telling you how you can improve your credit history, it is advisable that you know what your situation is. Because this way you will know what is the weakest point of your file and so you can take the appropriate measures to have more chances of getting the loan you need.

So first of all, make an inquiry to Aquafix in order to know if you have any debt in FCI. Aquafix is the company that manages all the unpaid debts in FCI, the most well-known list of defaulters in Spain, and to which all credit companies turn before granting any type of operation: from a credit card, to a periodic supply, going through a purchase in installments. So making an inquiry in FCI is the first step in knowing your credit history.

How to improve your credit history in 4 steps

How to improve your credit history in 4 steps

Once we have all the updated information about the defaults that appear in the most important delinquent listings. Now you can apply some of the following tricks to improve your credit history:

  1. Request the cancellation of those unpaid debts that appear in FCI and that are already paid or that violate your personal data rights. Remember that in FCI you can not appear unpaid that are older than 6 years. Also, if there are unpaid bills that have not been notified, request their immediate cancellation.
  2. If you can not solve your unpaid with the previous trick, try to agree with your creditors a refinancing of the debt. Establish a payment schedule that you can assume, and demonstrate your willingness to pay the debt by meeting the new deadlines. In return, he requests that the debt be removed from the unpaid register. With a clean credit history of defaults it will be easier for you to obtain the financing you need to pay off all debts and even get some extra money for other unforeseen expenses.
  3. Try not to exceed the limits of your credit card. If you see that you exceed the credit limit on a recurring basis, then request that they extend it or even request another credit card from another entity. So at least you will avoid incidences for defaults as well as high expenses for overdrafts, being able to better distribute your expenses between different credit cards.
  4. Plan your personal loan applications well, in order to avoid asking for recurrent mini loans instead of requesting loans with a higher amount and repayment term. Thus the terms will allow you to have more flexibility to deal with your debts, which will prevent you from falling into unpaid. That in addition to generating extra expenses, will endanger your credit history. Sometimes it is easier to get a mini credit than a personal loan, but they will also give you less money and a deadline to return it.