1. Personal credit information is not good, and you can buy a car by stages only after personal credit information is restored. Due to overdue personal credit, it is necessary to pay off overdue debts, and then apply for buying a car by installments after the credit information is restored five years later. If it is not their own fault that leads to poor credit reporting, users can file a complaint, and after the complaint is successful, credit reporting can be resumed in advance.
2. You can find a guarantee company to improve the chances of getting a loan, but it requires extra expenses and is very risky; Therefore, if you want to borrow money to buy a car, you need to ensure that you can't apply for a loan for half a year or a year, and you can't have overdue records. After the credit record is restored, you will have a greater chance of success if you apply for a loan again.
3. If you want to buy a car by stages, you can try to provide a source of income to the lending institution, thus proving that you have the ability to repay; Or you can provide collateral to the lending institution. In most cases, mortgage loans are not so strict with personal credit information.
1. Credit investigation is a Chinese vocabulary, and its pinyin is zhēng xìn, which means collecting, sorting, preserving and processing the credit information of natural persons, legal persons and other organizations according to law, providing credit reports, credit evaluation, credit information consultation and other services to help customers judge and control credit risks and carry out credit management activities. From Zuo Gong's Eight Years, "A gentleman keeps his word and has a levy, so his resentment is far greater than his body". Among them, "collecting by faith" means that you can verify the credibility of your words, or you can collect and verify credit.
2. Credit investigation is an activity that a professional and independent third-party organization establishes credit files for individuals or enterprises, collects and objectively records their credit information according to law, and provides credit information services to the outside world according to law. It provides a platform for professional credit reporting agencies to enjoy credit reporting.
3. Credit information records an individual's past credit behavior, which will affect the individual's future economic activities. These behaviors are reflected in personal credit reports, which are commonly called "credit records". Until 20 12, there is not a single law or regulation in China's current legal system to provide a direct basis for credit investigation. On June 5438+ 10, 2009, the Legislative Affairs Office of the State Council promulgated the Regulations on Credit Management (Draft for Comment), and solicited opinions from all walks of life on the Regulations on Credit Management.
4.201212 On 2 6 February, Premier Wen Jiabao of the State Council presided over the the State Council executive meeting, which deliberated and passed the Regulations on the Administration of Credit Information Industry (Draft). The meeting pointed out that the credit information industry is an industry that provides credit information services in the market economy. Credit information service can create conditions for preventing credit risks, ensuring transaction safety, and promote the formation of a social environment in which honest people benefit and those who break their promises are punished.
5. China's credit information industry has grown from scratch, and its role has become increasingly apparent. The credit information market has begun to take shape. The Regulations on the Administration of Credit Information Industry (Draft) regulates the credit information business activities of collecting, sorting, storing, processing personal or enterprise credit information and providing it to information users. The draft stipulates that the People's Bank of China and its dispatched offices shall supervise and manage the credit reporting industry according to law. The draft stipulates stricter market access conditions and corresponding approval procedures for credit reporting agencies engaged in personal credit reporting business, clarifies the scope and behavior norms of credit reporting agencies in collecting, storing and providing credit information, and clarifies the rights of information subjects.