bizbrasov.ro/2026/11/15/salariu-refuza-banca-credi

Even with a high salary and timely payments, individuals can be denied loans due to their FICO score. This score can drop from comparing offers or paying off loans early. A young woman seeking a renovation loan was rejected despite her good financial history, as her FICO score was only 590. Banks have varying criteria for loan eligibility, often requiring a minimum score regardless of income. The Competition Council is investigating whether banks' practices limit access to loans for Romanians. Customers can check their FICO score for free and correct any inaccuracies. The investigation into banks' scoring practices is nearing completion, with potential sanctions for non-compliance.