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In our lives, we often face situations that demand a financial boost, whether to face unexpected expenses, invest in personal projects or satisfy basic needs. In times like these, the option to acquire a loan It may seem tempting, offering an immediate solution.
However, it is essential to approach this decision with caution, especially when it comes to loans that promise speed and convenience without checking your credit history. Recently, the National Commission for the Protection and Defense of Users of Financial Services (Condusef) has issued an alert about the risks associated with certain loans without consulting the Credit bureau. Let’s examine what this institution warns us about and how to protect ourselves from possible fraud.
The trap of “tailored credits”
Condusef has targeted the so-called “tailored loans”, offered by various companies through applications, the internet or physical establishments. These loans boast of not requiring consultations with the Credit bureau nor income verification, attracting those looking for a quick solution to their financial needs. However, Condusef’s warning is clear: many of these offers are potential frauds.
The modus operandi of fraud
The companies behind these loans often follow a deceptive pattern. After applicants show interest in the financing, a deposit is requested, equivalent to 6.2% of the total amount of the loan, under the pretext of covering management and administration expenses. Once this initial deposit has been made, the company ensures that the line of credit has been authorized and that all that remains is the presentation of personal documents. However, this is where the nightmare begins for those affected: weeks of waiting without the promised money reaching their hands.
The risk of operating with unregistered entities
The Condusef highlights that many of these companies act as intermediaries with other financial entities, but do not have adequate registration in the Service Provider Registration System (SIPRES). Lacking this validation, they are not considered duly constituted financial institutions, which limits Condusef’s ability to intervene in the event of non-compliance.
Recommendations to avoid fraud
Given this panorama, the Condusef offers valuable recommendations to protect consumers:
Request a loan It can become a risky experience if not approached with caution. Condusef alerts us to the presence of fraudulent companies that take advantage of people’s economic needs.
By following the recommendations provided, we can protect ourselves from possible scams and make more informed and secure financial decisions. The key is prudence and diligence when evaluating the offers of loansensuring that they come from reliable and properly registered sources.
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2023-12-30 02:33:59
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