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There is not a single financial institution that does not face the unpleasant phenomenon of unscrupulous borrowers and unpaid loans. Of course, in order to prevent losses, companies check their customers, but this is only a check of documentation and personal data. It is impossible to find out about the level of responsibility of a person, his plans and the prospects of getting money back from them.
But technologies do not stand still, and today there is an opportunity to thoroughly check the borrower and predict all probabilities – testing on a lie detector. This method makes it possible to determine the true solvency of a person and prevent financial losses for the institution as efficiently as possible.
With the help of a lie detector, you can get the following information about a person:
– Are the documents provided by the person falsified (forged, expired, erroneous, issued to other people)?
– Does the borrower have any other accounts in other credit institutions?;
– Does a person have difficulty repaying debts owed to other institutions?;
– Does the individual intend to follow the terms of the potential agreement?;
– Is he going to use the borrowed amount of money as intended;
– Other data that will help to assess the level of responsibility and solvency of the client.
A polygraph test will help with a high efficiency of 98% to detect the presence of illegal intentions in a person. It should be noted that such testing is carried out only with the written consent of the client. Since the borrower refuses the survey, he can be assessed as potentially risky, and it can be assumed that he has something to hide.
Of course, there are dubious articles on the Internet that describe ways to cheat the telegraph. Some say that you can come to the procedure in an inebriated state, while others say that you should drink sedatives. The third option is to develop acting skills and pretend to be another person. But the fact is that the detector is a very accurate mechanism. It recognizes any changes in a person’s behavior and the polygraph examiner will immediately notice an attempt to cheat the device. As a result, this attempt can be determined by a specialist to be a lie.
The price for such a test depends on the number of questions. But, if you compare it with the amount of the loan, which an unscrupulous borrower may not return, it becomes clear that this price is reasonable and not at all high. This is the price of a guarantee and peace of mind.
Polygraph testing will help not only to check the borrower’s solvency, but also to deter fraudsters and dishonest people, thus significantly reducing the percentage of non-returned loans.
Services | Price |
|---|---|
Checking 1 person | from UAH 3500 |
Checking 1 persons | from UAH 6500 |
Checking 3 or more persons | individually |
Doctors strongly advise against taking a polygraph if you have any of the following conditions:
Attention!!! This is not about the effect of the polygraph on the person being tested. It is about the possible effects associated with the stress of the examinee and the excitement of the consequences.
An oral conclusion can be obtained immediately after inspection.
If you want a formal conclusion, we will prepare it within 3 working days and the cost is 1500 UAH, payable separately.
The polygraph test lasts between 40 minutes and 3 hours, depending on the number of questions. This is because the device is calibrated according to the reactions of the subject's nervous system with the help of control questions before the detection of reactions to stipulated questions begins.
The device - no.
A specialist polygrapher - yes, with low qualifications.
Our company has no such problems.
Test conditions. Maximum accuracy of results is ensured by a test duration of 1.5 to 3 hours. The room for polygraph testing should have an area of at least 10 m2 and ceilings over 2.5 metres high. The temperature inside must be +20...+24°C and the humidity level 70-80%. The room should be decorated in neutral colours and there should be no distracting objects in the room. Our examination rooms meet these requirements.
Condition of the person being tested. The accuracy of lie detector results cannot be guaranteed if the person being tested is in a state of severe emotional or physical exhaustion, drug or alcohol intoxication, feels painful and is taking strong medication. Individuals with cardiovascular disorders and pregnant women may have physiological abnormalities that reduce the effectiveness of polygraph testing.
Qualifications of the examiner. In order to obtain the most accurate test results, a polygraph examiner must have undergone special training and conducted several hundred real examinations. The experience of a professional using a lie detector also matters. Our professionals have all the necessary skills.
The questions asked in the polygraph are phrased in such a way that the person being tested gives unambiguous 'Yes' to 'No' answers.
You should answer the questions honestly and sincerely, without trying to hide or influence the information you give out. You can help yourself in this if you come to the test rested, without getting drunk on alcohol-coffee and whatnot.
An experienced polygraph examiner will not be fooled. Such attempts will be easily detected and will give rise to additional questions, to which the answer will be more difficult.
You should not be afraid of a polygraph test, especially if you have nothing to blame yourself for.
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