{"id":1780,"date":"2020-07-10T10:59:07","date_gmt":"2020-07-10T09:59:07","guid":{"rendered":"http:\/\/skippay.cz\/blog\/?p=1780"},"modified":"2025-10-08T13:41:11","modified_gmt":"2025-10-08T11:41:11","slug":"nedostali-jste-pujcku-na-vine-je-spatne-uverove-skore","status":"publish","type":"post","link":"https:\/\/skippay.cz\/blog\/nedostali-jste-pujcku-na-vine-je-spatne-uverove-skore\/","title":{"rendered":"Nedostali jste p\u016fj\u010dku? Na vin\u011b je \u0161patn\u00e9 \u00fav\u011brov\u00e9 sk\u00f3re"},"content":{"rendered":"\n

\u017d\u00e1dali jste o p\u016fj\u010dku<\/a>, ale banka v\u00e1s odm\u00edtla? Nebo v\u00e1m \u00fav\u011brov\u00e1 spole\u010dnost neschv\u00e1lila n\u00e1kup na spl\u00e1tky<\/a>? O tom, zda p\u0159i \u017e\u00e1dosti o \u00fav\u011br u bankovn\u00ed nebo nebankovn\u00ed spole\u010dnosti<\/a> usp\u011bjete, rozhoduje va\u0161e \u00fav\u011brov\u00e9 sk\u00f3re. Jde o soubor informac\u00ed, kter\u00e9 vyjad\u0159uj\u00ed va\u0161i bonitu <\/strong>\u2013\u2060 d\u016fv\u011bryhodnost na finan\u010dn\u00edm trhu. \u00dav\u011brov\u00ed specialist\u00e9 si v\u00e1s zkr\u00e1tka d\u016fkladn\u011b \u201eproklepnou\u201c, aby zjistili, jestli pro n\u011b do budoucna nejste rizikov\u00fdm klientem.<\/p>\n\n\n

TIP!<\/div>
Ne v\u0161echny nebankovn\u00ed spole\u010dnosti jednaj\u00ed f\u00e9r. Jak nesko\u010dit na jejich triky?<\/a><\/b><\/div><\/div>\n\n\n\n

Posouzen\u00ed bonity<\/a> nechr\u00e1n\u00ed jen finan\u010dn\u00ed instituce, ale i potenci\u00e1ln\u00ed dlu\u017en\u00edky, kter\u00e9 by dal\u0161\u00ed p\u016fj\u010dka mohla p\u0159iv\u00e9st do finan\u010dn\u00edch pot\u00ed\u017e\u00ed<\/strong>. N\u011bkte\u0159\u00ed \u017eadatel\u00e9 o p\u016fj\u010dku maj\u00ed sklony svou finan\u010dn\u00ed situaci vid\u011bt v lep\u0161\u00edm sv\u011btle, ne\u017e jak\u00e1 ve skute\u010dnosti je. A \u0159ada lid\u00ed si chce p\u016fj\u010dku vz\u00edt proto, aby s jej\u00ed pomoc\u00ed uhradila sv\u00e9 st\u00e1vaj\u00edc\u00ed dluhy. \u00dav\u011brov\u00e9 sk\u00f3re poskytovatel\u016fm p\u016fj\u010dek napov\u00ed, kdo by se spl\u00e1cen\u00edm z\u00e1vazku mohl m\u00edt probl\u00e9my. <\/p>\n\n\n\n

\"Kontrola
Pokud jde o finan\u010dn\u00ed historii, lhan\u00ed se nevypl\u00e1c\u00ed.<\/figcaption><\/figure>\n\n\n\n

Ka\u017ed\u00e1 banka nebo nebankovn\u00ed spole\u010dnost p\u0159istupuje k hodnocen\u00ed \u00fav\u011brov\u00e9 schopnosti \u017eadatele o p\u016fj\u010dku trochu jinak a klade d\u016fraz na jin\u00e9 parametry. Proto se v n\u011bkter\u00fdch p\u0159\u00edpadech m\u016f\u017ee st\u00e1t, \u017ee \u017eadatel, kter\u00fd u jedn\u00e9 instituce neusp\u011bje, v jin\u00e9 p\u016fj\u010dku z\u00edsk\u00e1<\/strong>. Metody a sofistikovan\u00e9 modely, kter\u00e9 spole\u010dnosti pro anal\u00fdzu situace z\u00e1jemce o p\u016fj\u010dku neboli scoring<\/a> pou\u017e\u00edvaj\u00ed, jsou tajn\u00e9. To znamen\u00e1, \u017ee ne\u00fasp\u011b\u0161n\u00fdm \u017eadatel\u016fm nesd\u011bluj\u00ed d\u016fvod, kter\u00fd vedl k jejich odm\u00edtnut\u00ed.<\/p>\n\n\n\n

Jak\u00e9 oblasti \u00fav\u011brov\u00e9 experty nejv\u00edce zaj\u00edmaj\u00ed?<\/p>\n\n\n\n

Finan\u010dn\u00ed mor\u00e1lka<\/strong><\/h2>\n\n\n\n

Potenci\u00e1ln\u00ed v\u011b\u0159itel\u00e9 budou cht\u00edt v\u011bd\u011bt, zda u\u017e m\u00e1te na krku jin\u00e9 finan\u010dn\u00ed z\u00e1vazky. A jestli je \u0159\u00e1dn\u011b spl\u00e1c\u00edte. Zaj\u00edmat je budou hypot\u00e9ky, bankovn\u00ed i nebankovn\u00ed \u00fav\u011bry<\/a> nebo kreditn\u00ed karty. \u010c\u00edm v\u00edce dluh\u016f m\u00e1te, t\u00edm hor\u0161\u00ed bude va\u0161e \u00fav\u011brov\u00e9 sk\u00f3re<\/strong>. P\u0159i\u00a0\u017e\u00e1dosti o p\u016fj\u010dku se nesna\u017ete \u017e\u00e1dn\u00fd ze z\u00e1vazk\u016f zaml\u010dovat, banky si informace o va\u0161ich dluz\u00edch mohou jednodu\u0161e ov\u011b\u0159it v registrech dlu\u017en\u00edk\u016f. Budete-li u\u017e od za\u010d\u00e1tku o sv\u00e9 finan\u010dn\u00ed situaci ml\u017eit, jedin\u011b si t\u00edm u\u0161kod\u00edte.<\/p>\n\n\n\n

\u00dav\u011brov\u00e9 sk\u00f3re dok\u00e1\u017ee po\u0159\u00e1dn\u011b po\u0161ramotit tak\u00e9 exekuce nebo osobn\u00ed bankrot<\/strong>. \u0160ance \u017eadatel\u016f s podobn\u00fdmi finan\u010dn\u00edmi probl\u00e9my na dos\u00e1hnut\u00ed nov\u00e9 p\u016fj\u010dky<\/a> je t\u00e9m\u011b\u0159 miziv\u00e1. \u00dav\u011brov\u00ed specialist\u00e9 se pod\u00edvaj\u00ed i do va\u0161\u00ed finan\u010dn\u00ed historie. A pokud objev\u00ed n\u011bjak\u00fd finan\u010dn\u00ed \u0161kraloup, kter\u00fdm m\u016f\u017ee b\u00fdt i pozd\u011b uhrazen\u00e1 faktura<\/a> u telefonn\u00edho oper\u00e1tora, m\u016f\u017ee v\u00e1m to u\u0161kodit. Proto se obecn\u011b vypl\u00e1c\u00ed m\u00edt sv\u00e9 pen\u00edze pod kontrolou a ve\u0161ker\u00e9 z\u00e1vazky spl\u00e1cet v\u010das.  <\/p>\n\n\n\n

\u00dav\u011br nen\u00ed jedin\u00e9 \u0159e\u0161en\u00ed \u2013  s men\u0161\u00edmi n\u00e1kupy v\u00e1m pom\u016f\u017ee <\/em>odlo\u017een\u00e1 platba<\/em><\/a>. D\u00edky n\u00ed si ve vybran\u00fdch e-shopech m\u016f\u017eete po\u0159\u00eddit, co pot\u0159ebujete, a za produkty zaplatit kdykoliv do 30 dn\u016f. Skv\u011bl\u00e9 \u0159e\u0161en\u00ed, kdy\u017e v\u00e1s p\u0159ekvap\u00ed ne\u010dekan\u00e9 v\u00fddaje<\/a> p\u0159ed v\u00fdplatou. A za samotn\u00e9 vyu\u017eit\u00ed slu\u017eby nezaplat\u00edte ani korunu. <\/em><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

P\u0159\u00edjmy a v\u00fddaje<\/strong><\/h2>\n\n\n\n

Dal\u0161\u00ed oblast\u00ed, kterou bude poskytovatel p\u016fj\u010dky zevrubn\u011b zkoumat, jsou p\u0159\u00edjmy a v\u00fddaje<\/a> va\u0161\u00ed dom\u00e1cnosti. To znamen\u00e1, \u017ee budete muset dolo\u017eit, zda jste zam\u011bstnanec, OSV\u010c nebo t\u0159eba na rodi\u010dovsk\u00e9 dovolen\u00e9<\/strong> a jak\u00e9 jsou va\u0161e trval\u00e9 m\u011bs\u00ed\u010dn\u00ed p\u0159\u00edjmy. \u017dijete-li v dom\u00e1cnosti s partnerem, m\u016f\u017ee b\u00fdt sou\u010d\u00e1st\u00ed \u017e\u00e1dosti tak\u00e9 dotaz na jeho v\u00fdplatu. \u00dav\u011brov\u00e9 spole\u010dnosti d\u00edky tomu zanalyzuj\u00ed, jak si va\u0161e dom\u00e1cnost stoj\u00ed jako celek.  <\/p>\n\n\n\n

I proto je budou zaj\u00edmat tak\u00e9 va\u0161e pravideln\u00e9 v\u00fddaje<\/strong> \u2013 kolik m\u011bs\u00ed\u010dn\u011b zaplat\u00edte za bydlen\u00ed (a zda bydl\u00edte ve vlastn\u00edm, v pron\u00e1jmu<\/a> nebo u partnera \u010di rodi\u010d\u016f), jak vysok\u00e9 jsou va\u0161e dal\u0161\u00ed pravideln\u00e9 m\u011bs\u00ed\u010dn\u00ed platby nebo jakou \u010d\u00e1stku ka\u017ed\u00fd m\u011bs\u00edc spolknou va\u0161e st\u00e1vaj\u00edc\u00ed dluhy. Jestli\u017ee v\u00e1m i po zaplacen\u00ed v\u0161ech nezbytn\u00fdch v\u00fddaj\u016f z\u016fst\u00e1v\u00e1 rozumn\u00e1 \u010d\u00e1stka, \u0161ance, \u017ee p\u0159i \u017e\u00e1dosti o \u00fav\u011br usp\u011bjete, se zvy\u0161uj\u00ed.<\/p>\n\n\n

TIP!<\/div>
Postavte dom\u00e1c\u00ed rozpo\u010det do lat\u011b a zlep\u0161ete si \u00fav\u011brov\u00e9 sk\u00f3re. V\u00edme, jak na to.<\/a><\/b><\/div><\/div>\n\n\n\n

Rodinn\u00e9  pom\u011bry a dal\u0161\u00ed osobn\u00ed \u00fadaje<\/strong><\/h2>\n\n\n\n

P\u0159i posuzov\u00e1n\u00ed va\u0161\u00ed \u00fav\u011bruschopnosti se banka zam\u011b\u0159\u00ed tak\u00e9 na va\u0161e rodinn\u00e9 pom\u011bry. Bude ji zaj\u00edmat, jak\u00fd je v\u00e1\u0161 rodinn\u00fd stav nebo zda m\u00e1te potomky<\/strong>. P\u00e9\u010de o d\u011bti je toti\u017e pom\u011brn\u011b finan\u010dn\u011b n\u00e1ro\u010dn\u00e1, a proto mohou b\u00fdt \u017eadatel\u00e9 s v\u00edce d\u011btmi pro \u00fav\u011brov\u00e9 spole\u010dnosti rizikov\u011bj\u0161\u00ed ne\u017e ti bezd\u011btn\u00ed. Dal\u0161\u00edmi faktory, kter\u00e9 ovlivn\u00ed va\u0161e \u00fav\u011brov\u00e9 sk\u00f3re, jsou v\u011bk, vzd\u011bl\u00e1n\u00ed nebo vykon\u00e1van\u00e1 profese. <\/p>\n\n\n\n

\"Rodinn\u00e9
Potenci\u00e1ln\u00edho v\u011b\u0159itele budou zaj\u00edmat i va\u0161e rodinn\u00e9 podm\u00ednky.<\/figcaption><\/figure>\n\n\n\n

I kdy\u017e v\u00e1m mo\u017en\u00e1 nebude p\u0159\u00edjemn\u00e9, \u017ee bude v\u011b\u0159itel \u201esl\u00eddit\u201c ve va\u0161em soukrom\u00ed, \u017e\u00e1dn\u00e9 informace p\u0159ed n\u00edm neskr\u00fdvejte<\/strong>. Jednak proto, \u017ee bankovn\u00ed i nebankovn\u00ed spole\u010dnosti znaj\u00ed zp\u016fsoby, jak se dobrat pravdy, ale i z toho d\u016fvodu, \u017ee si t\u0159eba uv\u011bdom\u00edte, \u017ee by pro v\u00e1s dal\u0161\u00ed p\u016fj\u010dka byla p\u0159\u00edli\u0161 velk\u00e9 sousto.<\/p>\n","protected":false},"excerpt":{"rendered":"

\u00dav\u011brov\u00e9 sk\u00f3re je \u00fadaj, kter\u00fd vy\u010d\u00edsluje va\u0161e mo\u017enosti spl\u00e1cet \u00fav\u011br. \u010c\u00edm vy\u0161\u0161\u00ed sk\u00f3re z\u00edsk\u00e1te, t\u00edm v\u011bt\u0161\u00ed objem pen\u011bz si m\u016f\u017eete vyp\u016fj\u010dit. Aby potenci\u00e1ln\u00ed v\u011b\u0159itel chr\u00e1nil sebe i v\u00e1s, po\u0159\u00e1dn\u011b si v\u00e1s p\u0159ed rozhodnut\u00edm o schv\u00e1len\u00ed p\u016fj\u010dky prolustruje. Jak\u00e9 \u00fadaje ho budou zaj\u00edmat?<\/p>\n","protected":false},"author":6,"featured_media":1779,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[17,23,122],"class_list":["post-1780","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","tag-odlozena-platba","tag-pujcka","tag-skip-pay","entry"],"acf":[],"yoast_head":"\nNedostali jste p\u016fj\u010dku? Na vin\u011b je \u0161patn\u00e9 \u00fav\u011brov\u00e9 sk\u00f3re | Skip Pay<\/title>\n<meta name=\"description\" content=\"\u00dav\u011brov\u00e9 sk\u00f3re je soubor informac\u00ed, kter\u00e9 vyjad\u0159uj\u00ed bonitu \u017eadatele o p\u016fj\u010dku \u2013\u2060 jeho d\u016fv\u011bryhodnost. Kter\u00e9 parametry budou banky zkoumat? \ud83d\udcb0\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/skippay.cz\/blog\/nedostali-jste-pujcku-na-vine-je-spatne-uverove-skore\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Nedostali jste p\u016fj\u010dku? Na vin\u011b je \u0161patn\u00e9 \u00fav\u011brov\u00e9 sk\u00f3re | Skip Pay\" \/>\n<meta property=\"og:description\" content=\"\u00dav\u011brov\u00e9 sk\u00f3re je soubor informac\u00ed, kter\u00e9 vyjad\u0159uj\u00ed bonitu \u017eadatele o p\u016fj\u010dku \u2013\u2060 jeho d\u016fv\u011bryhodnost. Kter\u00e9 parametry budou banky zkoumat? \ud83d\udcb0\" \/>\n<meta property=\"og:url\" content=\"https:\/\/skippay.cz\/blog\/nedostali-jste-pujcku-na-vine-je-spatne-uverove-skore\/\" \/>\n<meta property=\"og:site_name\" content=\"Blog Skip Pay - p\u00ed\u0161eme srozumiteln\u011b o financ\u00edch | skippay.cz\" \/>\n<meta property=\"article:published_time\" content=\"2020-07-10T09:59:07+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-10-08T11:41:11+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/skippay.cz\/blog\/wp-content\/uploads\/2020\/07\/neuspesna_pujcka.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1800\" \/>\n\t<meta property=\"og:image:height\" content=\"1200\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Tomas Krasny\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Tomas Krasny\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/nedostali-jste-pujcku-na-vine-je-spatne-uverove-skore\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/nedostali-jste-pujcku-na-vine-je-spatne-uverove-skore\\\/\"},\"author\":{\"name\":\"Tomas Krasny\",\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/#\\\/schema\\\/person\\\/0709c74afc237a8e037d9b2e5578b164\"},\"headline\":\"Nedostali jste p\u016fj\u010dku? Na vin\u011b je \u0161patn\u00e9 \u00fav\u011brov\u00e9 sk\u00f3re\",\"datePublished\":\"2020-07-10T09:59:07+00:00\",\"dateModified\":\"2025-10-08T11:41:11+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/nedostali-jste-pujcku-na-vine-je-spatne-uverove-skore\\\/\"},\"wordCount\":1025,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/nedostali-jste-pujcku-na-vine-je-spatne-uverove-skore\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/wp-content\\\/uploads\\\/2020\\\/07\\\/neuspesna_pujcka.jpg\",\"keywords\":[\"Odlo\u017een\u00e1 platba\",\"P\u016fj\u010dka\",\"Skip Pay\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/skippay.cz\\\/blog\\\/nedostali-jste-pujcku-na-vine-je-spatne-uverove-skore\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/nedostali-jste-pujcku-na-vine-je-spatne-uverove-skore\\\/\",\"url\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/nedostali-jste-pujcku-na-vine-je-spatne-uverove-skore\\\/\",\"name\":\"Nedostali jste p\u016fj\u010dku? Na vin\u011b je \u0161patn\u00e9 \u00fav\u011brov\u00e9 sk\u00f3re | Skip Pay\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/nedostali-jste-pujcku-na-vine-je-spatne-uverove-skore\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/nedostali-jste-pujcku-na-vine-je-spatne-uverove-skore\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/wp-content\\\/uploads\\\/2020\\\/07\\\/neuspesna_pujcka.jpg\",\"datePublished\":\"2020-07-10T09:59:07+00:00\",\"dateModified\":\"2025-10-08T11:41:11+00:00\",\"description\":\"\u00dav\u011brov\u00e9 sk\u00f3re je soubor informac\u00ed, kter\u00e9 vyjad\u0159uj\u00ed bonitu \u017eadatele o p\u016fj\u010dku \u2013\u2060 jeho d\u016fv\u011bryhodnost. Kter\u00e9 parametry budou banky zkoumat? \ud83d\udcb0\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/nedostali-jste-pujcku-na-vine-je-spatne-uverove-skore\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/skippay.cz\\\/blog\\\/nedostali-jste-pujcku-na-vine-je-spatne-uverove-skore\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/nedostali-jste-pujcku-na-vine-je-spatne-uverove-skore\\\/#primaryimage\",\"url\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/wp-content\\\/uploads\\\/2020\\\/07\\\/neuspesna_pujcka.jpg\",\"contentUrl\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/wp-content\\\/uploads\\\/2020\\\/07\\\/neuspesna_pujcka.jpg\",\"width\":1800,\"height\":1200,\"caption\":\"Co bude banku zaj\u00edmat, ne\u017e v\u00e1m schv\u00e1l\u00ed p\u016fj\u010dku?\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/nedostali-jste-pujcku-na-vine-je-spatne-uverove-skore\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Nedostali jste p\u016fj\u010dku? Na vin\u011b je \u0161patn\u00e9 \u00fav\u011brov\u00e9 sk\u00f3re\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/#website\",\"url\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/\",\"name\":\"Blog Skip Pay - p\u00ed\u0161eme srozumiteln\u011b o financ\u00edch | skippay.cz\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/#organization\",\"name\":\"Skip Pay\",\"url\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/wp-content\\\/uploads\\\/2019\\\/11\\\/Logo-MALL_1200x440.png\",\"contentUrl\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/wp-content\\\/uploads\\\/2019\\\/11\\\/Logo-MALL_1200x440.png\",\"width\":1200,\"height\":440,\"caption\":\"Skip Pay\"},\"image\":{\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/#\\\/schema\\\/logo\\\/image\\\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/#\\\/schema\\\/person\\\/0709c74afc237a8e037d9b2e5578b164\",\"name\":\"Tomas Krasny\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/007dd7a471d4c0a4998bd07f2a5987f338e86656a6a0408d49f3f7a38464a545?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/007dd7a471d4c0a4998bd07f2a5987f338e86656a6a0408d49f3f7a38464a545?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/007dd7a471d4c0a4998bd07f2a5987f338e86656a6a0408d49f3f7a38464a545?s=96&d=mm&r=g\",\"caption\":\"Tomas Krasny\"},\"url\":\"https:\\\/\\\/skippay.cz\\\/blog\\\/author\\\/tomask\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Nedostali jste p\u016fj\u010dku? Na vin\u011b je \u0161patn\u00e9 \u00fav\u011brov\u00e9 sk\u00f3re | Skip Pay","description":"\u00dav\u011brov\u00e9 sk\u00f3re je soubor informac\u00ed, kter\u00e9 vyjad\u0159uj\u00ed bonitu \u017eadatele o p\u016fj\u010dku \u2013\u2060 jeho d\u016fv\u011bryhodnost. Kter\u00e9 parametry budou banky zkoumat? \ud83d\udcb0","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:\/\/skippay.cz\/blog\/nedostali-jste-pujcku-na-vine-je-spatne-uverove-skore\/","og_locale":"en_US","og_type":"article","og_title":"Nedostali jste p\u016fj\u010dku? Na vin\u011b je \u0161patn\u00e9 \u00fav\u011brov\u00e9 sk\u00f3re | Skip Pay","og_description":"\u00dav\u011brov\u00e9 sk\u00f3re je soubor informac\u00ed, kter\u00e9 vyjad\u0159uj\u00ed bonitu \u017eadatele o p\u016fj\u010dku \u2013\u2060 jeho d\u016fv\u011bryhodnost. Kter\u00e9 parametry budou banky zkoumat? \ud83d\udcb0","og_url":"https:\/\/skippay.cz\/blog\/nedostali-jste-pujcku-na-vine-je-spatne-uverove-skore\/","og_site_name":"Blog Skip Pay - p\u00ed\u0161eme srozumiteln\u011b o financ\u00edch | skippay.cz","article_published_time":"2020-07-10T09:59:07+00:00","article_modified_time":"2025-10-08T11:41:11+00:00","og_image":[{"width":1800,"height":1200,"url":"https:\/\/skippay.cz\/blog\/wp-content\/uploads\/2020\/07\/neuspesna_pujcka.jpg","type":"image\/jpeg"}],"author":"Tomas Krasny","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Tomas Krasny","Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/skippay.cz\/blog\/nedostali-jste-pujcku-na-vine-je-spatne-uverove-skore\/#article","isPartOf":{"@id":"https:\/\/skippay.cz\/blog\/nedostali-jste-pujcku-na-vine-je-spatne-uverove-skore\/"},"author":{"name":"Tomas Krasny","@id":"https:\/\/skippay.cz\/blog\/#\/schema\/person\/0709c74afc237a8e037d9b2e5578b164"},"headline":"Nedostali jste p\u016fj\u010dku? Na vin\u011b je \u0161patn\u00e9 \u00fav\u011brov\u00e9 sk\u00f3re","datePublished":"2020-07-10T09:59:07+00:00","dateModified":"2025-10-08T11:41:11+00:00","mainEntityOfPage":{"@id":"https:\/\/skippay.cz\/blog\/nedostali-jste-pujcku-na-vine-je-spatne-uverove-skore\/"},"wordCount":1025,"commentCount":0,"publisher":{"@id":"https:\/\/skippay.cz\/blog\/#organization"},"image":{"@id":"https:\/\/skippay.cz\/blog\/nedostali-jste-pujcku-na-vine-je-spatne-uverove-skore\/#primaryimage"},"thumbnailUrl":"https:\/\/skippay.cz\/blog\/wp-content\/uploads\/2020\/07\/neuspesna_pujcka.jpg","keywords":["Odlo\u017een\u00e1 platba","P\u016fj\u010dka","Skip Pay"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/skippay.cz\/blog\/nedostali-jste-pujcku-na-vine-je-spatne-uverove-skore\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/skippay.cz\/blog\/nedostali-jste-pujcku-na-vine-je-spatne-uverove-skore\/","url":"https:\/\/skippay.cz\/blog\/nedostali-jste-pujcku-na-vine-je-spatne-uverove-skore\/","name":"Nedostali jste p\u016fj\u010dku? Na vin\u011b je \u0161patn\u00e9 \u00fav\u011brov\u00e9 sk\u00f3re | Skip Pay","isPartOf":{"@id":"https:\/\/skippay.cz\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/skippay.cz\/blog\/nedostali-jste-pujcku-na-vine-je-spatne-uverove-skore\/#primaryimage"},"image":{"@id":"https:\/\/skippay.cz\/blog\/nedostali-jste-pujcku-na-vine-je-spatne-uverove-skore\/#primaryimage"},"thumbnailUrl":"https:\/\/skippay.cz\/blog\/wp-content\/uploads\/2020\/07\/neuspesna_pujcka.jpg","datePublished":"2020-07-10T09:59:07+00:00","dateModified":"2025-10-08T11:41:11+00:00","description":"\u00dav\u011brov\u00e9 sk\u00f3re je soubor informac\u00ed, kter\u00e9 vyjad\u0159uj\u00ed bonitu \u017eadatele o p\u016fj\u010dku \u2013\u2060 jeho d\u016fv\u011bryhodnost. Kter\u00e9 parametry budou banky zkoumat? \ud83d\udcb0","breadcrumb":{"@id":"https:\/\/skippay.cz\/blog\/nedostali-jste-pujcku-na-vine-je-spatne-uverove-skore\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/skippay.cz\/blog\/nedostali-jste-pujcku-na-vine-je-spatne-uverove-skore\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/skippay.cz\/blog\/nedostali-jste-pujcku-na-vine-je-spatne-uverove-skore\/#primaryimage","url":"https:\/\/skippay.cz\/blog\/wp-content\/uploads\/2020\/07\/neuspesna_pujcka.jpg","contentUrl":"https:\/\/skippay.cz\/blog\/wp-content\/uploads\/2020\/07\/neuspesna_pujcka.jpg","width":1800,"height":1200,"caption":"Co bude banku zaj\u00edmat, ne\u017e v\u00e1m schv\u00e1l\u00ed p\u016fj\u010dku?"},{"@type":"BreadcrumbList","@id":"https:\/\/skippay.cz\/blog\/nedostali-jste-pujcku-na-vine-je-spatne-uverove-skore\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/skippay.cz\/blog\/"},{"@type":"ListItem","position":2,"name":"Nedostali jste p\u016fj\u010dku? Na vin\u011b je \u0161patn\u00e9 \u00fav\u011brov\u00e9 sk\u00f3re"}]},{"@type":"WebSite","@id":"https:\/\/skippay.cz\/blog\/#website","url":"https:\/\/skippay.cz\/blog\/","name":"Blog Skip Pay - p\u00ed\u0161eme srozumiteln\u011b o financ\u00edch | skippay.cz","description":"","publisher":{"@id":"https:\/\/skippay.cz\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/skippay.cz\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/skippay.cz\/blog\/#organization","name":"Skip Pay","url":"https:\/\/skippay.cz\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/skippay.cz\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/skippay.cz\/blog\/wp-content\/uploads\/2019\/11\/Logo-MALL_1200x440.png","contentUrl":"https:\/\/skippay.cz\/blog\/wp-content\/uploads\/2019\/11\/Logo-MALL_1200x440.png","width":1200,"height":440,"caption":"Skip Pay"},"image":{"@id":"https:\/\/skippay.cz\/blog\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/skippay.cz\/blog\/#\/schema\/person\/0709c74afc237a8e037d9b2e5578b164","name":"Tomas Krasny","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/007dd7a471d4c0a4998bd07f2a5987f338e86656a6a0408d49f3f7a38464a545?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/007dd7a471d4c0a4998bd07f2a5987f338e86656a6a0408d49f3f7a38464a545?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/007dd7a471d4c0a4998bd07f2a5987f338e86656a6a0408d49f3f7a38464a545?s=96&d=mm&r=g","caption":"Tomas Krasny"},"url":"https:\/\/skippay.cz\/blog\/author\/tomask\/"}]}},"_links":{"self":[{"href":"https:\/\/skippay.cz\/blog\/wp-json\/wp\/v2\/posts\/1780","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/skippay.cz\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/skippay.cz\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/skippay.cz\/blog\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/skippay.cz\/blog\/wp-json\/wp\/v2\/comments?post=1780"}],"version-history":[{"count":13,"href":"https:\/\/skippay.cz\/blog\/wp-json\/wp\/v2\/posts\/1780\/revisions"}],"predecessor-version":[{"id":11903,"href":"https:\/\/skippay.cz\/blog\/wp-json\/wp\/v2\/posts\/1780\/revisions\/11903"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/skippay.cz\/blog\/wp-json\/wp\/v2\/media\/1779"}],"wp:attachment":[{"href":"https:\/\/skippay.cz\/blog\/wp-json\/wp\/v2\/media?parent=1780"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/skippay.cz\/blog\/wp-json\/wp\/v2\/categories?post=1780"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/skippay.cz\/blog\/wp-json\/wp\/v2\/tags?post=1780"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}