It will affect. The credit card is overdue, or the overdue debt has been paid off but the overdue record has not been deleted. In both cases, users cannot go to the bank to apply for a loan. When there is an overdue record in the user's credit report, the bank will determine that the user has a bad credit report and cannot apply for any bank loan. The credit report must be restored before the user can apply for a bank loan.
Extended information:
Credit reporting includes two aspects: personal credit and corporate credit. Of course, there is also government credit reporting, but it can be ignored.
Enterprise credit reporting refers to the analysis and study of the credit records, operating levels, financial status, external environment and other factors of market participants such as enterprises, bond issuers, financial institutions and so on. , a comprehensive evaluation of its credit ability (mainly its solvency and its degree of repayment). Corporate credit reporting is a comprehensive analysis and measurement of contract performance capabilities and credibility. It is an indispensable intermediary service in the market economy system.
Personal credit reporting refers to the activities in which personal credit reporting agencies established in accordance with the law collect and process personal credit information and provide personal credit information inquiry and evaluation services according to user requirements. A personal credit report is a personal credit history record that a credit reporting agency collects in accordance with the law, processes and organizes it in accordance with the law, and finally provides it to legitimate information inquirers in accordance with the law.
Currently it is mainly used for various consumer credit businesses of banks. As the social credit system continues to improve, credit reports will be more widely used in various commercial credit sales, credit transactions, recruitment and job hunting. In addition, personal credit reports also provide the inquirer with a way to review and standardize his or her credit history behavior, and form a verification mechanism for personal credit information.
The main factors that may affect personal credit risk scores are: there have been overdue repayments on loans, or credit card overdrafts have not been repaid within the agreed time limit and repayment amount, or there are too many loan accounts and credit cards, etc. When a credit reporting agency or information provider receives an objection, it shall mark the relevant information as objectionable in accordance with the regulations of the credit reporting industry supervision and administration department of the State Council, verify and handle it within 20 days from the date of receipt of the objection, and provide a written reply with the result. Dissenter.
After verification, if it is confirmed that the relevant information contains errors or omissions, the information provider and the credit reporting agency shall make corrections; if it is confirmed that there are no errors or omissions, the objection mark shall be cancelled; if it cannot be confirmed after verification, , the verification status and objection content should be recorded.