Recently there are rumors on the Internet that if you have an extra mobile phone number, even if your credit report was not good before, if you use the new mobile phone number to check it out, the loan will be faster, more convenient, and faster, and Your personal credit report will also look better.

What is a credit report? Credit reporting is an activity in which a professional, independent third-party agency establishes credit files for individuals or enterprises, collects and objectively records their credit information in accordance with the law, and provides external credit information services in accordance with the law. It provides professional credit institutions with A platform for sharing credit information. To put it bluntly, in human terms, it is actually a record of a person’s past credit behavior.

Then the problem comes back. In the final analysis, I just changed my mobile phone number, not you as a person. This is a big flaw in this issue. So as long as the person remains the same, changing the mobile phone number will not work.

How can I get a loan if my credit report is not good?

1. Change Baihu’s identity. From a bank's perspective, there are only two possibilities for a person with blank credit. One is a person with bad credit who fails to repay on time, and the other is a person with excellent credit. So they are not willing to take the risk.

Therefore, to change the identity of a white household, you only need to apply for a credit card, activate it, use it normally, and then repay it on time.

2. Apply for a small loan. This works on the same principle as a credit card. By applying for a small loan, using it normally and repaying it on time, you will have a good credit record, so applying for a loan will become easier.

3. If the personal negative credit record is caused by the bank, you can choose to communicate with the bank, or the bank can issue relevant instructions to the central bank to correct it, or you can take the initiative to request it with the bank's certification materials. The central bank corrected it. Or wait a few more years before applying for a loan, then explain the reasons to the bank and see if the bank can accept your explanation at that time.

4. Provide collateral. Certain collateral can be provided as a guarantee for the loan to ensure the repayment of the loan when it is due. For example, a house, a car, etc. in your name. This way the loan will be easier.