1. Personal credit loan: It is difficult to apply for a personal credit loan if the credit information is poor, but it is not impossible. The most important thing is to find out the reason of "bad credit reporting" and see if it is overdue or too many times of checking, or the debt is too high. After finding the reason, deal with it in a targeted way, and then keep it for a period of time before applying for a loan. Still acceptable;

2. Mortgage loan: The main value is the use value and right to use the collateral. As long as the credit information is not too serious, there are no bad debts and no compensation, "three companies" and the like can be easily passed;

3. Loan guarantee loan: If the personal credit information is poor, find a "reliable" loan guarantor. Of course, the guarantor needs more credit information, otherwise he cannot be a loan guarantor. The loan guarantor will bear risks and obligations, and financial institutions will be relatively reassured and willing to provide funds.

The above is how to get a loan if there is a problem with credit reporting.

What will the credit problem affect?

Personal credit report is a record of personal credit report, and bad credit content will affect individuals to make loans, and they can't apply for credit cards at the same time. Traffic will also be affected to some extent. It is impossible to travel by plane, high-speed rail and other means of transportation with poor credit status. Bad credit reports will continue to affect personal employment and the daily life of family members. There is something wrong with the credit information of family members, and the rest may be rejected if they borrow money.

Where can I get a loan if my personal credit is bad?

If the credit is not good, you can borrow from the following platforms:

1, money to spend: a well-known lending platform, not many degrees, you may not know! But you must know Baidu, so I won't say much here! Formerly called "Baidu has money to spend", the existence of T 1 team level is reliable!

2. Paipai Loan: the first P2P peer-to-peer lending platform in China and a personal credit online lending platform. At present, China Merchants Bank provides a fund depository system for auction loans. The purpose of its establishment is to provide a safer and more efficient platform to make the lending behavior between individuals more standardized, safe and effective.

3. Borrowing: As long as the sesame credit score is above 600, you can apply for the loan service launched by Alipay.

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4. Micro-loan: In addition to Alipay's ant loan, the most recommended is micro-loan, which is very suitable for young people now, because it has brought convenience to hundreds of millions of people through the most commonly used WeChat official account.

5, 360 loan: backed by Qihoo 360, it has a high reputation. Security itself is to do network information security. In terms of big data, there are also many precipitates.

6. Renren Loan: Founded on 20 10, Renren Loan is strictly audited by borrowers, and Minsheng Bank provides a fund depository system for Renren Loan.

How to get a loan with bad credit?

The lawyer replied.

If the credit record is not good, you can apply to the bank to modify the credit record, or borrow money through other channels such as guarantee companies. Individuals should be adults with full capacity for civil conduct, have the ability to repay loans, and meet the conditions stipulated by other laws.

legal ground

Article 11 of the Interim Measures for the Administration of Personal Loans

Personal loan application shall meet the following conditions:

(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;

(2) The purpose of the loan is clear and legal;

(3) The amount, duration and currency of the loan application are reasonable;

(4) The borrower has the willingness and ability to repay;

(5) The borrower's credit status is good and there is no significant bad credit record;

(6) Other conditions required by the lender.

There are a thousand hamlets in a thousand people. Anyway, there are no two completely different leaves in the world. Everyone has different views and opinions, and everyone will have different criteria for judging the same thing. My answer may not be the most standard and correct, but I also hope to give you some help and get your approval. Thank you!

Colleagues wish you a safe and smooth life in the future. When you encounter difficulties, you can also face them and succeed. If you don't understand any questions, you can continue to ask. Don't feel embarrassed or worried. We have always been the backstage of your most loyal friend. In reality, you can tell me in detail about illegal infringement and unsatisfactory things. We always provide the most reliable judicial answers and help, and don't encounter difficulties.

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