Betalingsanmerkninger

Betalingsanmerkninger er et tema de fleste nordmenn har et forhold til, gjerne i form av redsel for å få dette i den tro at det er umulig å bli kvitt en betalingsanmerkning når man først har fått det. Betalingsanmerkninger omtales ofte som svartelisting noe som heldigvis bare er delvis riktig. Riktignok vil en eller flere betalingsanmerkninger ofte medføre avslag på søknad om lån og kreditter men det er heldigvis forholdsvis enkelt å bli kvitt betalingsanmerkninger, blant annet ved å betale den aktuelle gjelden. Likeså skal det mer til for å få en betalingsanmerkning enn det folk flest tror. Det skal heldigvis mye mer til enn et inkassovarsel til for å få betalingsanmerkninger.

Refinansiering

Et vanlig tiltak for å bli kvitt betalingsanmerkninger, er å foreta en refinansiering. Med dette tiltaket samler man alle inkassosaker, eksisterende gjeld og annet utestående inn til ett lån. Da fjernes betalingsanmerkningene umiddelbart, og man har en oversiktelig økonomisk fremtid – sett at man klarer å leve på den lønna man har, og den månedlige utgiften med lånet. Det kreves ofte krav til sikkerhet for å få gjennomført dette, og vi anbefaler følgende aktører:

Bank2 (med sikkerhet)

Max lånebeløp2 500 000

Max løpetid30 år

Effektiv rente 5,34%

Søk nå 2 mill o/25 år, eff. rente 5,34%, tot. 3 581 354,-

Gjeldsmegler1

Max lånebeløp2 500 000

Max løpetid30 år

Effektiv rente Individuelt

Søk nå Eks. 250 000 o/15år Tot. 1 927,- mnd

Best informasjon: Den mest omfattende artikkelen om lån med betalinganmerkning kan du lese på norskkreditt.no/betalingsanmerkning.

Kredittsjekk deg selv!

Kredittsjekk betalingsanmerkningSelv om det skal ganske mye til for å få en eller flere betalingsanmerkninger så er det mange mennesker som går rundt og lurer på om det er registrert betalingsanmerkninger på dem. For disse kan det være veldig fornuftig å foreta en kredittsjekk av seg selv for å få dette avklart og få satt i gang tiltak for å bli kvitt eventuelle negative betalingsanmerkninger. Samtidig er det viktig å være klar over at det kan foreligge uoppgjorte inkasso saker selv om du ikke er registrert med noen negative betalingsanmerkninger. Dette kan skyldes at kreditor og/ eller inkassobyrået foreløpig ikke har funnet det hensiktsmessig å igangsette rettslige tiltak som er en forutsetning for å bli registrert med en betalingsanmerkning i forbindelse med en tradisjonell inkasso sak eller det har vært registrert en betalingsanmerkning tidligere i forbindelse med saken men at slettefristen er nådd for betalingsanmerkningen uten at selve kravet nødvendigvis er foreldet. I slike saker bør man uansett forsikre seg om at selve kravet ikke er foreldet det også da kreditor ikke er pliktig til å tilbakebetale innbetalinger på foreldede krav.

Det nye utleggsregisteret

Tradisjonelt har de fleste negative betalingsanmerkninger blitt registrert av inkassobransjen i forbindelse med uoppgjorte inkassokrav som det er igangsatt rettslige tiltak på. Nå er imidlertid det relativt nye utleggsregisteret tatt fullt i bruk av både namsmenn og kredittopplysningsbransjen slik at det blir registrert betalingsanmerkninger på alle uoppgjorte krav hvor det er avholdt utleggsforretning med resultat “intet til utlegg” eller hvor utleggsforretningen er avholdt og det er besluttet påleggstrekk i lønn/ trygd.

Betalingsanmerkninger trenger ikke å skyldes uoppgjort gjeld

inkassoBetalingsanmerkninger kan imidlertid være mye mer enn uoppgjorte inkasso saker. Vi bruker betegnelsen negative betalingsanmerkninger på betalingsanmerkninger som har bakgrunn i uoppgjort forfalt gjeld. Salgspant i løsøre, for eksempel salgspant i bil i forbindelse med finansiering av ny bil blir også stående som en betalingsanmerkning i form av frivillige pantstillelser. Dette er jo på en måte litt negativt for deg fordi det viser at du har gjeld men utover dette betyr det ikke noe særlig for deg i negativt retning. Du kan få en litt dårligere “score” på en kredittsjekk på grunn av denne gjelden men det er på ingen måte like ødeleggende som en negativ betalingsanmerkninger som i de aller fleste tilfeller gir automatisk avslag når det foretas kredittsjekk på deg i forbindelse med søknad om lå, kredittkort eller kreditt hos leverandører av produkter og tjenester.

Privat nettsted om betalingsanmerkninger

Dette nettstedet om betalingsanmerkninger er et privat nettsted som ikke må forveksles med noe offentlig informasjon. Nettstedet har heller ikke noe tilknytning til inkassobransjen eller kredittopplysningsbransjen utover eventuell betalt annonsering på siden. Vi oppfordrer forøvrig alle våre lesere til å lese gjennom vår ansvarsfraskrivelse.

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