No, the loan thing is secondary.
Second, how to apply for a loan with bad credit?
1, exchange letters
The credit check failed, probably because you never applied for a credit card or loan. The bank may think you have credit risk. As a lender, you can either get rid of the identity of a white credit household or choose a loan product with low threshold that all white credit households can apply for.
Step 2 file an objection application
The failure of the credit check may be caused by someone else. In addition, some people were given fake loans or applied for credit cards because they lost their wallets and ID cards. To solve this kind of bad credit reporting, only the parties need to file an objection application with the local credit reporting center of the People's Bank of China, and generally they can get a reply within 15 working days.
3. Issue non-malicious expired certificates.
Look for the issue date of the bank, especially if it is not caused by personal subjective reasons, and the individual will take the initiative to contact Yin Yin after paying off the debt. If the overdue amount is small or the overdue time is short, the bank will issue a certificate of "non-malicious overdue".
I declare. There is also a fifth part in the personal credit report, which can be used for my own voice. After the materials are prepared, they can be submitted to the credit department of the local central bank, which is also very helpful for applying for loans in the future.
4. Bad record for five years
If you have a long overdue record or a large number of overdue transactions, and the bank can't issue you a non-malicious overdue certificate, then there is only one way: after paying off the debt, the record will be automatically eliminated.
Causes of bad credit report
1. Credit card overdue
2. Often
3. Always borrow bank loans and never pay them back.
Borrowers with bad credit records need to analyze the reasons for their bad records if they want to borrow money, and apply to the bank to modify their credit records after solving them. Or get loans through other channels. For example, as long as the credit problem is not very serious and collateral can be provided, the approval will be successful.
It's important for bank black households to find ways to repair their personal credit records. If you have become a bank black account, you should not have the idea and practice of breaking the jar, but should try your best to repair your credit record.
Expand the content of personal credit information:
credit report
At present, it is mainly used in various consumer credit businesses of banks. With the continuous improvement of the social credit system, credit reports will be more widely used in commercial credit sales, credit transactions, recruitment and job hunting and other fields. In addition, personal credit report also provides a way for inquirers to examine and standardize their own credit history behavior, and becomes a verification mechanism of personal credit information.
Credit information
1. Personal basic information used to identify individuals and reflect their family and occupation;
2. Personal credit information formed by the credit relationship between individuals and financial institutions or housing provident fund management centers;
3. Personal credit purchase and payment information formed by personal credit purchase relationship with commercial institutions and public utility service institutions;
4. Public record information related to personal credit formed by administrative organs, executive organs of administrative affairs and judicial organs in the process of exercising their functions and powers;
5. Other information related to personal credit.
influencing factor
The main factors that may affect the personal credit risk score are: repayment in loans overdue, failure to repay according to the agreed time limit and repayment amount after credit card overdraft, or too many loan accounts and credit cards.
Credit reporting system
Personal credit information system, also called consumer credit information system, mainly provides personal credit analysis products for consumer credit institutions. With the improvement of customers' requirements, the data of personal credit information system is no longer limited to the traditional operation fields such as credit records, and attention is gradually turned to the business field of providing comprehensive social data services.
Personal credit information system contains extensive and accurate consumer information, which can solve the restriction of insufficient customer information on enterprise marketing and help enterprises reach the target customers in the most effective and economical way, so it has high market value, and its application has also expanded to the direct selling and retail fields.
In the United States, one-third of the profits of personal credit reporting agencies come from direct sales or database marketing, and personal credit reporting systems have been widely used in the marketing activities of enterprises.