Can we take a loan while being registered with the FICP?


The FICP (National File for Credit Repayment Incidents) lists individuals who have had payment incidents (mostly unpaid direct debits), or who have abused a bank overdraft and have not regularized their situation.
If you are on the FICP, it means that you have a late payment at a bank or a credit institution. This file therefore prohibits you from taking back a consumer loan , because each time you request a loan, the establishment must verify that you are not registered. It is also a protection to prevent you from increasing your debt .

How to do ?

The first solution, and by far the least expensive, is to simply pay off your debts ! If you do not know who registered you (which seems surprising!) You must go to the Banque de France with an identity document. You can also send your request by post, accompanied by a photocopy of your identity document, to a branch of the Banque de France. Once you know which institution (s) you owe money to, you can settle your debt. If you do not have the full amount, you can pay in several installments to reduce your debt regularly .
The removal is effective within 2 months after the establishment has received all the funds. After this period, you can apply for credit in a new establishment. Of course, avoid the one who had filed you ... because he certainly kept track of your bad refund!

The second solution is reserved for individuals who own real estate . Indeed in this case, despite the filing, you can make a mortgage loan . The operation consists in making a loan which includes your debts, your current credits, cash and to guarantee it by taking a mortgage on your real estate . So in addition to the interest, you will have to pay the administrative fees and the notarial deeds .
Be careful with this type of loan: almost risk free for banks, it is quite expensive for the individual who subscribes to it. In addition, you bet on your real estate assets to repay a consumer credit!

You will find below a selection of establishments offering credit redemption:

Institutions offering credit redemption
Establishment Benefits Click!
subject to acceptance by the lender
Cofinoga An immediate online response in principle for consumer loan buybacks See the offer
by Cofinoga
My Money Bank Specialist in credit redemption for more than 20 years. Allows you to keep your current bank account. See the offer
by My Money Bank
Younited Credit A loan for individuals ... between individuals. See the offer
by Younited Credit
Central Finances A single monthly payment adapted to your budget, a duration and reimbursement adapted to your income See the offer
by Central Finances
BC Finances A broker member of AFIB that allows you to query several banks with a single form. Guaranteed response within 48 hours. See the offer
by BC Finances

WARNING: do not confuse the FICP file and the FCC file: FCC or Banque de France file .


Your Questions - Our Answers
" I applied for a work loan at XXXX. They asked me for account statements for the last 3 months. Is this normal? "

In the vast majority of cases financial institutions do not ask for account statements. If this is your case, it is certainly that the person who studied your file had a doubt about your budget and wants to check your real debt.
Your Questions - Our Answers
" I want to take a loan but I don't want to declare my friend. Do I have to? "

The question to ask is rather why not make it appear !?… Indeed, if you make a request for credit with 2 salaries (instead of one) your file has more chance of being accepted. Moreover, when you describe your family situation, you will therefore make a false declaration with the risks that this entails.



A loan commits you and must be repaid.
Check your repayment capacity before you commit.

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