There are many Danes who have ended up in the RKI even though it is indebted, and it can often be unfortunate situations that have got people in this situation. For example, if you are on cash benefits, it can be very difficult to get the ends to meet, so you can quickly end up in a situation where you are forced to borrow to get the rent, food or the like. Therefore, many can also come into a situation where the RKI becomes a reality, since, for example, on cash assistance, there is not a particularly large amount of disposable money and therefore find it difficult to find money to suddenly pay off debt.
These loans are cheapest
If you take out a loan, you need to be aware of what you are going to pay in the APR.
Some consumer loans are at the high end and here you always have to check up on what you have to pay in setting up. If you are going to buy a car, you can often get some loans having interest rates below 2% and these loans are very attractive.
Bank loans are usually some of the cheapest, but consumer loans are generally quite expensive and therefore you should investigate the market before you take them. Read more at Lånpenge-nu.dk
If you do not pay your bills then you risk ending up in the RKI, but there are quite clear rules for how many reminders you must have received before you can be registered as a bad payer in the RKI.
These reminders must be made in writing and you must have at least 3 of them before you can join the RKI. The first 2 of the reminders you get must not threaten you to end up in the RKI if you do not pay them. There must be at least 10 days between them. When you get the third reminder, you must be warned about the RKI if you do not pay it.
If you owe money to the public then this amount must be at least $ 7500 before they can report you as a bad payer. In addition, you must be at least 18 years before you can be registered in RKI.
How to get out of RKI
Once you have paid off your debt, you will be deleted from the RKI register, and here it is important that you get a receipt, so that you can document yourself debt free with the company that sent you to the RKI. You must also ask the company to delete you from the RKI, as this is the company’s task. If you do not pay your debt, you have been deleted from the register after 5 years. But you will not be indebted even if you have been deleted.