Generally, there is no overdue in the past two years, and the overdue situation is not very serious, and the impact on the mortgage is not great. It is also helpful to provide more personal assets to prove that your repayment ability is good. In addition to the pass rate, overdue credit information will also have a certain impact on mortgage interest rates, which may lead to higher mortgage interest rates.
How to Eliminate Overdue Records of Personal Credit Information
1. For the bad record of ordinary bank credit cards, if it is caused by credit card repayment and other problems, you can immediately consult the bank customer service phone. If the circumstances are minor, it is only necessary to explain that it is not malicious, which can generally help to eliminate the record.
2. The records in the basic database of personal credit information in the credit information system cannot be eliminated. According to the regulations, personal bad information can be kept for up to 5 years, and those that exceed 5 years will be deleted. Banks generally use the credit records of customers in the past two years to audit customers. Therefore, when bad records appear, they should be repaid on time for two years, and new good credit records will gradually replace the old bad records, otherwise the old records will always exist.
3. For consumers who use credit cards, if they have overdue records, don't rush to cancel them, because bad records will not disappear because of cancellation. Credit cards that have not been used for a long time should be cancelled in time to avoid bad records caused by unknown annual fees.
How to maintain personal credit information
1, timely repayment of bank loans
If there is a loan or credit card in the borrower's name that needs to be repaid, it is necessary to deposit enough funds in time before the repayment date, so that financial institutions can deduct money and repay smoothly. If the deduction is unsuccessful, or the last opportunity to make up the deduction is missed, the borrower's personal credit report will have a bad record of "overdue".
2. Standardize the use of credit cards
Many times, the bad thing that hinders the loan application is that the bad use of credit cards is recorded in the personal credit report, which in turn has a negative impact on the loan application. For example, cancel credit cards that are not commonly used in time to avoid overdue due to failure to pay annual fees in time; Don't apply for a credit card frequently to avoid "credit card consumption" caused by the application.
Be careful as a guarantor.
The borrower's credit investigation has no bad records such as overdue, but it can't successfully obtain the approval of the loan application. This situation probably happened because of the identity of the "guarantor".