Just because the borrower has no overdue record does not mean that his credit information is good. After all, credit information is also a negative credit. If the user's credit information report also involves multi-borrowing, or records of credit products are frequently processed, the credit information will be changed. Once the borrower spends his credit information and wants to apply for a loan again, it will make the lending institution question the repayment ability of the user. In order to avoid risks, he will refuse to lend at this time, which will increase the severity of the borrower's credit information and is not conducive to the handling of credit business. Therefore, users still have to improve their credit information before submitting an application. In particular, banks have strict requirements on users' credit information, and will focus on users' credit records in the past six months. If the credit investigation is not serious, you can submit an application three months after the credit investigation.
When repairing credit information, users had better do the following:
1. Reduce the frequency of handling credit business. The purpose of this is to avoid adding new hard inquiry records, because most of the credit investigation fees are due to the frequent operation of credit business by borrowers in a short period of time, which leads to many hard inquiry records of loan approval and credit card approval in the inquiry records of credit investigation reports, which is considered by lending institutions as the borrower's insufficient repayment ability. If the user fails to handle the credit business during the credit period, it means that the user has strong repayment ability. At this time, the lending institution will remove doubts about the borrower's repayment ability, thus reducing the loan risk.
2. avoid giving guarantees to others. Although you guarantee for others, you don't handle the credit business yourself, but it will also increase the risk of borrowing, especially if you provide joint liability guarantee for others, you will be inquired by the lending institution, which will make the credit information of users rich and colorful. Moreover, the debt of the other party will become its own hidden debt, and it needs to bear the corresponding repayment responsibility. Therefore, if you want to improve your credit as soon as possible, you must not guarantee others easily.
3. Maintain personal credit records. Maintain good repayment habits. If there are outstanding credit products, please remember the repayment time and repay them in full on time to avoid overdue. And don't be over-indebted, have the ability to settle all kinds of liabilities on credit information as soon as possible and reduce personal debt ratio.
In addition, users should check their personal credit reports regularly every year to know their credit information. If there is any abnormality, they should apply to the credit information center in time, and the credit information can be recovered within 15 days after verification.