If the personal credit is not good, it may not be successful to find an intermediary company to help with the loan. Although the intermediary can arrange a suitable loan scheme according to the customer's credit, which can reduce the loan cost to a certain extent, whether the final loan can pass the examination and approval depends on the comprehensive evaluation results of the bank (loan company).

It should be noted that a very important reference factor for banks (loan companies) in comprehensive evaluation is the customer's credit, which is generally understood by inquiring about credit information. Therefore, once the customer's credit report is found to have bad information and personal credit problems, most of them will refuse to approve the loan.

Intermediaries can't help customers eliminate bad credit records. In order to repair the damaged credit, customers can only accumulate more good records themselves. When the credit is improved, it is not too late to apply for a loan. It should be easier to handle by then. Even if you don't find an intermediary, you can apply to the bank (loan company) with relevant information.

Can I borrow money through an intermediary if my credit is bad?

In general, if the credit information is not good, users need to improve it, and then wait for the credit information system to be updated. Unless you have objections, you can't do it through a third party. Don't be deceived.

Many credit repair companies in the market either defraud users of money or instruct users how to negotiate with the platform to apply for objection modification. If it belongs to the latter, you can try it, provided that it does meet the objection modification.

In addition, some intermediaries will package users and create false information. For example, make a fake flow, find a fake spouse, and find a fake contact to answer the phone. This situation is risky. Once it is detected by the platform risk control, it will be directly rejected, leaving a blacklist record.

Furthermore, even if the application is successful, if you know that there is fraud in the post-loan management inquiry, you will probably ask for a one-time settlement of the funds. If the situation is serious, you will be prosecuted for loan fraud. Don't try.

For a long time, credit investigation is a measure for banks or lenders to evaluate whether borrowers are honest and can repay on time, and it is also a way to avoid risks. Therefore, poor credit reporting may have a certain impact on the loan to buy a house. So it's better to mention credit first, and it's not too late to apply after you mention credit.

Bad records on credit information will generally be kept for 5 years, and the system will delete them after 5 years. Banks and lending institutions generally look at the credit information of borrowers in the past two years. So as long as the situation is not very serious, it is not difficult to maintain good credit.

And if the borrower is in a hurry to apply for a mortgage, if there is a spouse, you can let the spouse apply for a mortgage. In this way, banks and lending institutions mainly look at the spouse's credit information. As long as the spouse's credit is good, there is still a chance to get a mortgage.

If you ask an intermediary for help, the loan may not be successful, because the records in your credit report cannot be deleted manually, and the bank has no right to delete them, not to mention the intermediary, so you can only delete them automatically after five years. If someone says they can help you solve the problem of credit reporting, it is generally a lie. I suggest not to believe it.

The above is about "Can intermediaries handle bad credit reports?" . Generally speaking, this situation is basically unacceptable. Users can modify the objection to credit reporting, or improve it by solving overdue and supporting credit reporting, preferably without relying on external means.

Can an intermediary handle bad credit information?

Credit information is not good. In general, the intermediary can't handle it. We can only find our own way. Under normal circumstances, the staff of the intermediary company will advise us to find a repayment person, so we need to check the other party's credit information.

In fact, the impact of the credit report on individuals is still relatively large, because banks need to provide this proof when applying for loans. If the supporting materials are not enough, the staff will definitely not give us approval, and banks need to avoid risks.

1. No one can change your credit information. The credit information is not good, and the intermediary can't fix it. I'll just have to figure it out myself. Generally speaking, banks will not lend money to people with poor credit information, so they can only buy a house in full. If you are not short of money, then you can buy it in full.

2. Then if you can only buy a house through a loan, you can find a repayment object, and this repayment person must have a good credit report.

3. The influence of credit report on individuals is still relatively large. Therefore, when using credit cards and loan software, you must repay in time. In general, if the credit information is not good, users need to improve it, and then wait for the credit information system to be updated. Unless you have objections, you can't do it through a third party. Don't be deceived.

4. Many credit repair companies in the market either defraud users of money or instruct users how to negotiate with the platform to apply for objection modification. If it belongs to the latter, you can try it, provided that it does meet the objection modification. In addition, some intermediaries will package users and create false information. For example, make a fake flow, find a fake spouse, and find a fake contact to answer the phone. This situation is risky. Once it is detected by the platform risk control, it will be directly rejected, leaving a blacklist record. Furthermore, even if the application is successful, if you know that there is fraud in the post-loan management inquiry, you will probably ask for a one-time settlement of the funds. If the situation is serious, you will be prosecuted for loan fraud. Don't try.