Negotiations about positive file

Negotiations about positive file

After years of negotiations, the positive file could finally see the light of day . François Baroin, Minister of Economy and Finance, received yesterday a report on the creation of a positive file, a national register listing credit to individuals, in accordance with the provisions of the law of 1 July 2010 on credit reform for consumption.

The Federation of Commerce and Distribution (FCD) calls on the public authorities, through a press release, to “implement, in a timely manner, the recommendations of the report submitted” .

The FDC is indeed very favorable to the implementation of this file: “This file will bring a major breakthrough, allowing lenders (banks, specialized credit institutions and banking subsidiaries of large distribution groups) to check the solvency of borrowers. It is essential that a law is now passed to regulate the operation of this file, so that it complies with the “IT and freedoms” legislation and avoid any misuse of the listed information .

The positive file lists the various credits in the course of the individuals. Lending institutions could, by consulting it, prevent situations of over-indebtedness. France is the country of Europe not to have one.

Latest Market News

Latest Market News

We have selected for you the latest market news:

  • LEP : the unrecognized savings booklet that earns the most (09/08/2019)
  • Summer holidays : the moment to carry out your energy renovation works (08/08/2019)
  • Budget : 4 tips to save on holidays (31/07/2019)
  • Credit buy-back : the economic future is worrying the French (23/07/2019)
  • Holiday budget : 4 tips to prepare it (on 18/07/2019)
  • Budget : those destinations where purchasing power has increased (16/07/2019)

 Calculation of Mortgage Fees

 Calculation of Mortgage Fees

Grouping of credits Level of indebtedness Calculation of mortgage fees Credit redemption simulation

Our most consulted guides

  • What form of credit buyback for my situation?
  • Mastering the purchase of consumer credit
  • I am interested in a real estate buyout
  • How much do I still have to pay back?
  • I evaluate my need for money

Compare Credit Buyback Offers

  • You fill your file,
  • We compare the offers of the banks free of charge,
  • You get an immediate answer to your request!

 

Leave a comment

Your email address will not be published. Required fields are marked *