Our Borrower granting policy is as strict as that of traditional credit institutions:
- The form that the Borrower must complete when applying for credit includes several dozen fields of information (some of which are not required by other credit institutions)
- Supporting documents of the situation are requested from each Borrower, and systematically checked by specialized software, as well as a team of experts. For some customers, Younited accesses, upon authorization, directly to their online accounts to carry out checks.
- The negative files of the Banque de France (FCC and FICP) are systematically questioned, and borrowers or co-borrowers registered on one of these 2 files will not be able to take out credit with Younited Credit.
- The analysis of the compliance of the supporting documents with the information declared in the online form by the Borrower as well as the anti-fraud and anti-money laundering checks are carried out by a dedicated team within Younited Credit.
A credit score and fraud model are also in place to detect and deny flimsy and/or suspicious cases.