1. Pay off overdue loans in a timely manner and ask the bank to issue a non-malicious repayment certificate;

2. Apply for a loan from a bank with good personal business relationships and good relationships;

3. Make deposits at the lending bank, buy financial products, insurance, funds, treasury bonds, etc.;

4. Accept the lending bank's request for an increase in loan interest rates.

How to restore personal credit report?

1. If you want to eliminate the bad credit card records entered into the credit report system, one way is to refresh the credit record and overwrite the original record. The purpose of eliminating negative records and their impact. Because when a bank conducts a credit investigation, credit card records only show records for the last 24 months, and past records have no impact.

2. Therefore, when you have a bad credit card record, you must not cancel the card. You should insist on using it and repay it on time. In this way, the original negative credit record will be overwritten and a good credit record will be re-formed. , so that it will not have a negative impact on credit behavior.

3. Once the overdue bad credit card records are formed, they cannot be deleted. Credit card users can only wait for 5 years for the bad records caused by overdue repayment to be overwritten and deleted by the Bank of China system. Users cannot use other means to delete the bad records caused by overdue payments.

What causes bad credit report?

1. Overdue credit card payments three times in a row or six times in two years.

Almost everyone has a credit card. It is a credit card that can be used for consumption in advance and then repaid. When approving a mortgage, banks will refer to the number of overdue payments in the past two years. Usually, if one of the spouses Three consecutive late payments within two years, or six cumulative late payments will make it difficult to get another loan. If your credit card is overdue only once or twice, the bank will generally not deny the loan, but may increase the loan interest rate appropriately. Home buyers can ask several banks, because if the housing loan interest rate of the cooperative bank for the real estate is preferential, you can enjoy preferential treatment when applying for a loan at some banks. Just choose the one with the lowest interest rate.

2. The monthly mortgage payment is overdue or non-repayable for 2 to 3 months.

Some people have borrowed money from banks to buy houses, and they will pay the monthly payment on time every month. If the monthly payment is not met, there will be late payment fees. When payment is overdue, explain the situation to the lending bank in a timely manner. One or two brief overdue payments will not affect your credit history. Repeated overdue loans may result in loan collection by the bank and bad credit record. If you can't make the monthly payment, you can apply with the bank, and the bank will provide you with a solution.

3. The monthly car loan payment is overdue or non-repayable for 2 to 3 months.

Most people who buy a car will choose to buy a car with a loan, which has become a trend. Based on the current situation, we know that if the car loan is not repaid overdue, the consequences will gradually become more serious as the overdue time increases. Personal credit history is affected. If you apply for a loan directly from a bank and then fail to repay it, your personal credit record will be affected. And not having a good credit record will directly affect the borrower's ability to apply for loans in the future.

4. If the loan interest rate is increased, the original amount will still be paid, and the monthly payment will be overdue.

Loan interest rates are not fixed, and banks will increase or decrease loan interest rates regularly. The so-called expected annualized interest rate of overdue bank loans is the expected annualized interest rate generated after the bank loan is not repaid when the time comes. Generally speaking, it means that the loan repayment period has been exceeded, and penalty interest must be charged according to the bank's expected annual interest rate on overdue loans to encourage the lender to be creditworthy.