{"id":4239,"date":"2025-11-24T10:04:09","date_gmt":"2025-11-24T08:04:09","guid":{"rendered":"https:\/\/123credit.ro\/blog\/istoric-negativ-birou-credite-ce-poti-face\/"},"modified":"2025-11-24T10:04:11","modified_gmt":"2025-11-24T08:04:11","slug":"istoric-negativ-birou-credite-ce-poti-face","status":"publish","type":"post","link":"https:\/\/123credit.ro\/blog\/istoric-negativ-birou-credite-ce-poti-face\/","title":{"rendered":"Istoric negativ in biroul de credit ? Ce po\u021bi face"},"content":{"rendered":"<span class=\"span-reading-time rt-reading-time\" style=\"display: block;\"><span class=\"rt-label rt-prefix\">Timpul estimat pentru citire: <\/span> <span class=\"rt-time\"> &lt; 1<\/span> <span class=\"rt-label rt-postfix\">minut<\/span><\/span><h1>Istoric negativ \u00een Biroul de Credit? Iat\u0103 ce po\u021bi face<\/h1>\n<p>Un istoric negativ \u00een Biroul de Credit nu \u00eenseamn\u0103 c\u0103 nu mai ai nicio op\u021biune. De\u0219i poate limita accesul la unele produse bancare, exist\u0103 solu\u021bii care te pot ajuta s\u0103 ie\u0219i din impas \u0219i chiar s\u0103 ob\u021bii o refinan\u021bare.<\/p>\n<h2>Ce \u00eenseamn\u0103 istoric negativ?<\/h2>\n<p>Dac\u0103 ai \u00eent\u00e2rziat cu plata ratelor mai mult de 30 de zile, aceste informa\u021bii sunt raportate \u00een Biroul de Credit. Aceste \u00eent\u00e2rzieri pot afecta scorul FICO \u0219i pot fi vizibile pentru toate b\u0103ncile la care aplici.<\/p>\n<p>Dar asta nu \u00eenseamn\u0103 automat respingerea unei cereri. Totul depinde de severitatea \u0219i frecven\u021ba \u00eent\u00e2rzierilor, dar \u0219i de comportamentul financiar actual.<\/p>\n<h2>Exist\u0103 solu\u021bii de refinan\u021bare?<\/h2>\n<p>Da. Unele b\u0103nci iau \u00een calcul refinan\u021barea chiar \u0219i pentru clien\u021bii cu istoric negativ, dac\u0103 ace\u0219tia dovedesc venituri stabile \u0219i un comportament responsabil \u00een ultima perioad\u0103. Alte op\u021biuni includ credite cu garantare sau aplicarea prin platforme precum <a href=\"https:\/\/123credit.ro\">123Credit.ro<\/a>, unde po\u021bi primi asisten\u021b\u0103 personalizat\u0103 de la un specialist \u00een creditare.<\/p>\n<p>Vrei s\u0103 \u0219tii exact ce op\u021biuni ai? ???? Cite\u0219te articolul complet aici: <a href=\"https:\/\/link-to-article.com\">Refinan\u021bare dac\u0103 e\u0219ti \u00een Biroul de Credit cu istoric negativ &#8211; posibilit\u0103\u021bi \u0219i strategii<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p><span class=\"span-reading-time rt-reading-time\" style=\"display: block;\"><span class=\"rt-label rt-prefix\">Timpul estimat pentru citire: <\/span> <span class=\"rt-time\"> &lt; 1<\/span> <span class=\"rt-label rt-postfix\">minut<\/span><\/span>Istoric negativ \u00een Biroul de Credit? Iat\u0103 ce po\u021bi face Un istoric negativ \u00een Biroul de Credit nu \u00eenseamn\u0103 c\u0103 nu mai ai nicio op\u021biune. De\u0219i poate limita accesul la unele produse bancare, exist\u0103 solu\u021bii care te pot ajuta s\u0103 ie\u0219i din impas \u0219i chiar s\u0103 ob\u021bii o refinan\u021bare. Ce \u00eenseamn\u0103 istoric negativ? Dac\u0103 ai \u00eent\u00e2rziat cu plata ratelor mai  [&#8230;]<\/p>\n","protected":false},"author":10,"featured_media":4230,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[262],"tags":[],"class_list":["post-4239","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-diverse"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Istoric negativ in biroul de credit ? Ce po\u021bi face - Blogul 123Credit<\/title>\n<meta name=\"description\" content=\"Ai istoric negativ \u00een Biroul de Credit? Afl\u0103 ce solu\u021bii de refinan\u021bare ai \u0219i cum po\u021bi \u00eembun\u0103t\u0103\u021bi scorul FICO. Informa\u021bii utile \u0219i pa\u0219i clari pentru a merge mai departe.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/123credit.ro\/blog\/istoric-negativ-birou-credite-ce-poti-face\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Istoric negativ in biroul de credit ? Ce po\u021bi face - Blogul 123Credit\" \/>\n<meta property=\"og:description\" content=\"Ai istoric negativ \u00een Biroul de Credit? Afl\u0103 ce solu\u021bii de refinan\u021bare ai \u0219i cum po\u021bi \u00eembun\u0103t\u0103\u021bi scorul FICO. Informa\u021bii utile \u0219i pa\u0219i clari pentru a merge mai departe.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/123credit.ro\/blog\/istoric-negativ-birou-credite-ce-poti-face\/\" \/>\n<meta property=\"og:site_name\" content=\"Blogul 123Credit\" \/>\n<meta property=\"article:published_time\" content=\"2025-11-24T08:04:09+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-11-24T08:04:11+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2025\/11\/istoric-negativ-birou-credite-ce-poti-face.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1410\" \/>\n\t<meta property=\"og:image:height\" content=\"1182\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Bianca Gheoca\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Scris de\" \/>\n\t<meta name=\"twitter:data1\" content=\"Bianca Gheoca\" \/>\n\t<meta name=\"twitter:label2\" content=\"Timp estimat pentru citire\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minut\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/istoric-negativ-birou-credite-ce-poti-face\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/istoric-negativ-birou-credite-ce-poti-face\\\/\"},\"author\":{\"name\":\"Bianca Gheoca\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/#\\\/schema\\\/person\\\/b7c0f404f4377d05782038532092bfb7\"},\"headline\":\"Istoric negativ in biroul de credit ? Ce po\u021bi face\",\"datePublished\":\"2025-11-24T08:04:09+00:00\",\"dateModified\":\"2025-11-24T08:04:11+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/istoric-negativ-birou-credite-ce-poti-face\\\/\"},\"wordCount\":224,\"commentCount\":0,\"image\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/istoric-negativ-birou-credite-ce-poti-face\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/wp-content\\\/uploads\\\/2025\\\/11\\\/istoric-negativ-birou-credite-ce-poti-face.jpg\",\"articleSection\":[\"Diverse\"],\"inLanguage\":\"ro-RO\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/123credit.ro\\\/blog\\\/istoric-negativ-birou-credite-ce-poti-face\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/istoric-negativ-birou-credite-ce-poti-face\\\/\",\"url\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/istoric-negativ-birou-credite-ce-poti-face\\\/\",\"name\":\"Istoric negativ in biroul de credit ? Ce po\u021bi face - Blogul 123Credit\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/istoric-negativ-birou-credite-ce-poti-face\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/istoric-negativ-birou-credite-ce-poti-face\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/wp-content\\\/uploads\\\/2025\\\/11\\\/istoric-negativ-birou-credite-ce-poti-face.jpg\",\"datePublished\":\"2025-11-24T08:04:09+00:00\",\"dateModified\":\"2025-11-24T08:04:11+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/#\\\/schema\\\/person\\\/b7c0f404f4377d05782038532092bfb7\"},\"description\":\"Ai istoric negativ \u00een Biroul de Credit? Afl\u0103 ce solu\u021bii de refinan\u021bare ai \u0219i cum po\u021bi \u00eembun\u0103t\u0103\u021bi scorul FICO. Informa\u021bii utile \u0219i pa\u0219i clari pentru a merge mai departe.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/istoric-negativ-birou-credite-ce-poti-face\\\/#breadcrumb\"},\"inLanguage\":\"ro-RO\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/123credit.ro\\\/blog\\\/istoric-negativ-birou-credite-ce-poti-face\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"ro-RO\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/istoric-negativ-birou-credite-ce-poti-face\\\/#primaryimage\",\"url\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/wp-content\\\/uploads\\\/2025\\\/11\\\/istoric-negativ-birou-credite-ce-poti-face.jpg\",\"contentUrl\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/wp-content\\\/uploads\\\/2025\\\/11\\\/istoric-negativ-birou-credite-ce-poti-face.jpg\",\"width\":1410,\"height\":1182,\"caption\":\"istoric negativ birou credite ce poti face\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/istoric-negativ-birou-credite-ce-poti-face\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Istoric negativ in biroul de credit ? Ce po\u021bi face\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/#website\",\"url\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/\",\"name\":\"Blogul 123Credit\",\"description\":\"Blogul 123Credit iti ofera toate informatiile de care ai nevoie cand aplici pentru un credit ipotecar\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"ro-RO\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/#\\\/schema\\\/person\\\/b7c0f404f4377d05782038532092bfb7\",\"name\":\"Bianca Gheoca\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"ro-RO\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/cb1de15da0153fe2c60f0e15ee9771620028c06977712c40232f1f2cc33805ca?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/cb1de15da0153fe2c60f0e15ee9771620028c06977712c40232f1f2cc33805ca?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/cb1de15da0153fe2c60f0e15ee9771620028c06977712c40232f1f2cc33805ca?s=96&d=mm&r=g\",\"caption\":\"Bianca Gheoca\"},\"url\":\"https:\\\/\\\/123credit.ro\\\/blog\\\/author\\\/bianca-gheoca\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Istoric negativ in biroul de credit ? Ce po\u021bi face - Blogul 123Credit","description":"Ai istoric negativ \u00een Biroul de Credit? Afl\u0103 ce solu\u021bii de refinan\u021bare ai \u0219i cum po\u021bi \u00eembun\u0103t\u0103\u021bi scorul FICO. Informa\u021bii utile \u0219i pa\u0219i clari pentru a merge mai departe.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/123credit.ro\/blog\/istoric-negativ-birou-credite-ce-poti-face\/","og_locale":"ro_RO","og_type":"article","og_title":"Istoric negativ in biroul de credit ? Ce po\u021bi face - Blogul 123Credit","og_description":"Ai istoric negativ \u00een Biroul de Credit? Afl\u0103 ce solu\u021bii de refinan\u021bare ai \u0219i cum po\u021bi \u00eembun\u0103t\u0103\u021bi scorul FICO. Informa\u021bii utile \u0219i pa\u0219i clari pentru a merge mai departe.","og_url":"https:\/\/123credit.ro\/blog\/istoric-negativ-birou-credite-ce-poti-face\/","og_site_name":"Blogul 123Credit","article_published_time":"2025-11-24T08:04:09+00:00","article_modified_time":"2025-11-24T08:04:11+00:00","og_image":[{"width":1410,"height":1182,"url":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2025\/11\/istoric-negativ-birou-credite-ce-poti-face.jpg","type":"image\/jpeg"}],"author":"Bianca Gheoca","twitter_card":"summary_large_image","twitter_misc":{"Scris de":"Bianca Gheoca","Timp estimat pentru citire":"1 minut"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/123credit.ro\/blog\/istoric-negativ-birou-credite-ce-poti-face\/#article","isPartOf":{"@id":"https:\/\/123credit.ro\/blog\/istoric-negativ-birou-credite-ce-poti-face\/"},"author":{"name":"Bianca Gheoca","@id":"https:\/\/123credit.ro\/blog\/#\/schema\/person\/b7c0f404f4377d05782038532092bfb7"},"headline":"Istoric negativ in biroul de credit ? Ce po\u021bi face","datePublished":"2025-11-24T08:04:09+00:00","dateModified":"2025-11-24T08:04:11+00:00","mainEntityOfPage":{"@id":"https:\/\/123credit.ro\/blog\/istoric-negativ-birou-credite-ce-poti-face\/"},"wordCount":224,"commentCount":0,"image":{"@id":"https:\/\/123credit.ro\/blog\/istoric-negativ-birou-credite-ce-poti-face\/#primaryimage"},"thumbnailUrl":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2025\/11\/istoric-negativ-birou-credite-ce-poti-face.jpg","articleSection":["Diverse"],"inLanguage":"ro-RO","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/123credit.ro\/blog\/istoric-negativ-birou-credite-ce-poti-face\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/123credit.ro\/blog\/istoric-negativ-birou-credite-ce-poti-face\/","url":"https:\/\/123credit.ro\/blog\/istoric-negativ-birou-credite-ce-poti-face\/","name":"Istoric negativ in biroul de credit ? Ce po\u021bi face - Blogul 123Credit","isPartOf":{"@id":"https:\/\/123credit.ro\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/123credit.ro\/blog\/istoric-negativ-birou-credite-ce-poti-face\/#primaryimage"},"image":{"@id":"https:\/\/123credit.ro\/blog\/istoric-negativ-birou-credite-ce-poti-face\/#primaryimage"},"thumbnailUrl":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2025\/11\/istoric-negativ-birou-credite-ce-poti-face.jpg","datePublished":"2025-11-24T08:04:09+00:00","dateModified":"2025-11-24T08:04:11+00:00","author":{"@id":"https:\/\/123credit.ro\/blog\/#\/schema\/person\/b7c0f404f4377d05782038532092bfb7"},"description":"Ai istoric negativ \u00een Biroul de Credit? Afl\u0103 ce solu\u021bii de refinan\u021bare ai \u0219i cum po\u021bi \u00eembun\u0103t\u0103\u021bi scorul FICO. Informa\u021bii utile \u0219i pa\u0219i clari pentru a merge mai departe.","breadcrumb":{"@id":"https:\/\/123credit.ro\/blog\/istoric-negativ-birou-credite-ce-poti-face\/#breadcrumb"},"inLanguage":"ro-RO","potentialAction":[{"@type":"ReadAction","target":["https:\/\/123credit.ro\/blog\/istoric-negativ-birou-credite-ce-poti-face\/"]}]},{"@type":"ImageObject","inLanguage":"ro-RO","@id":"https:\/\/123credit.ro\/blog\/istoric-negativ-birou-credite-ce-poti-face\/#primaryimage","url":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2025\/11\/istoric-negativ-birou-credite-ce-poti-face.jpg","contentUrl":"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2025\/11\/istoric-negativ-birou-credite-ce-poti-face.jpg","width":1410,"height":1182,"caption":"istoric negativ birou credite ce poti face"},{"@type":"BreadcrumbList","@id":"https:\/\/123credit.ro\/blog\/istoric-negativ-birou-credite-ce-poti-face\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/123credit.ro\/blog\/"},{"@type":"ListItem","position":2,"name":"Istoric negativ in biroul de credit ? Ce po\u021bi face"}]},{"@type":"WebSite","@id":"https:\/\/123credit.ro\/blog\/#website","url":"https:\/\/123credit.ro\/blog\/","name":"Blogul 123Credit","description":"Blogul 123Credit iti ofera toate informatiile de care ai nevoie cand aplici pentru un credit ipotecar","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/123credit.ro\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"ro-RO"},{"@type":"Person","@id":"https:\/\/123credit.ro\/blog\/#\/schema\/person\/b7c0f404f4377d05782038532092bfb7","name":"Bianca Gheoca","image":{"@type":"ImageObject","inLanguage":"ro-RO","@id":"https:\/\/secure.gravatar.com\/avatar\/cb1de15da0153fe2c60f0e15ee9771620028c06977712c40232f1f2cc33805ca?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/cb1de15da0153fe2c60f0e15ee9771620028c06977712c40232f1f2cc33805ca?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/cb1de15da0153fe2c60f0e15ee9771620028c06977712c40232f1f2cc33805ca?s=96&d=mm&r=g","caption":"Bianca Gheoca"},"url":"https:\/\/123credit.ro\/blog\/author\/bianca-gheoca\/"}]}},"_links":{"self":[{"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/posts\/4239","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/users\/10"}],"replies":[{"embeddable":true,"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/comments?post=4239"}],"version-history":[{"count":1,"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/posts\/4239\/revisions"}],"predecessor-version":[{"id":4240,"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/posts\/4239\/revisions\/4240"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/media\/4230"}],"wp:attachment":[{"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/media?parent=4239"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/categories?post=4239"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/123credit.ro\/blog\/wp-json\/wp\/v2\/tags?post=4239"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}