1. Untrue information leads to poor credit report

If untrue information leads to poor credit report and the degree is not serious, you can go to the local central bank credit center to file an objection application, usually 15 You can get a reply within working days.

If it is more serious, such as a fake loan, it will be more troublesome. In addition to negotiating with the bank, you may also need to report the case to the public security agency.

2. Non-malicious overdue credit stains

The most common example is that many people around us have applied for credit cards. Many people do not understand the credit card regulations and are in arrears with annual fees, or the bank Failure to deduct money in a timely manner can cause personal credit damage. When this happens, you must first actively pay off the debt, then communicate with the bank, explain the reasons clearly, and request the bank to issue a non-malicious overdue certificate.

3. Grasp the degree of overdue

First of all, we certainly do not recommend that borrowers have any overdue situations, but there are always surprises. Once the borrower really fails due to some unforeseen circumstances, Avoid things that will lead to overdue things, and that should also be maintained at a certain level.

Different banks have different tolerances for overdue loans. Some are strict and some are loose. This requires borrowers to grasp one piece of data:

There cannot be two overdue loans in the past three months. times, there cannot be three overdue times in the past six months, and there cannot be four overdue times within a year. Within this "degree", if the borrower has considerable income and good repayment ability, the bank will still lend as appropriate, but some preferential policies will basically be ignored.

If the borrower's overdue debt is very serious and exceeds the bank's tolerance, then the borrower can only maintain good repayment habits for another five years after paying off the debt, so that the bad record will be automatically cleared.

4. Seeking intermediaries

First of all, it needs to be explained that intermediaries are not omnipotent. If the borrower does not have the ability or willingness to repay, then the intermediary company will not easily help. Such people. And if there is any minor credit stain, the intermediary agency will help the borrower explain the reason for the overdue loan to the bank to promote the success of the loan.