1. Check whether you have defaulted 6 times in a row (including overdue). Your credit report shows 8 times in 5 years, and it does not say continuous.

2. Credit card, you don’t have this.

3. 10 times within 12 months, and you have 9 times within 5 years, which is not in compliance.

4. Overdue for more than 1 year, but you have not been overdue for more than 90 days.

Based on the above, you have not exceeded the above standards.