DEBT ON EXPRESS LOANS OR CREDIT CARDS
What will happen to my existing loans or credit cards if my details are published in the payment default register?
Generally, publishing your data in the credit registry does not affect your existing loans or credit limits.
Depending on the provider, exceptions may apply. For example, the provider may restrict or deny increases to your credit card limits.
Having your data in the credit registry makes it more challenging to obtain new credit cards and loans.
I have taken out an express loan and have not paid it back. Will this affect my chances of getting new loans?
If you have failed to repay your loans, your data will be published in the Taust.ee credit registry, affecting your chances of obtaining new loans.
If you have multiple outstanding express loans, companies will generally deny you new loans or impose stricter terms.
Begin repaying your loans as soon as possible!
I have various express loans from several companies. How can I fix things?
In such cases, refinancing may be an option to secure more favorable loan terms, especially if you have several loans with high interest rates.
Julianus Inkasso OÜ does not offer refinancing. Please inquire with banks and financial institutions operating in Estonia for refinancing options.