In fact, the impact of the credit report on individuals is still relatively large, because banks need to provide this proof when applying for loans. If the supporting materials are not enough, the staff will definitely not give us approval, and the bank also needs to avoid risks.
1. No one can change your credit information. If the credit information is not good, the intermediary can't fix it. You can only find a way by yourself. Generally speaking, banks will not lend money to people with poor credit information, so they can only buy a house in full. If you are not short of money, then you can buy it in full.
Then, if you can only buy a house through a loan, you can find a co-payer, whose credit information must be good.
3. The influence of credit report on individuals is still relatively large. Therefore, when using credit card and loan software, you must repay the loan in time. Under normal circumstances, if the credit information is not good, users need to improve it and then wait for the credit information system to be updated. Unless you have objections, you can't do it through a third party, so don't be deceived.
4. Many credit repair companies in the market either cheat users of their money or instruct users how to negotiate with the platform to apply for objection modification. If it belongs to the latter, you can try it, provided that it does meet the objection modification. In addition, some intermediaries will package users and create false information. For example, make a fake flow, find a fake spouse, and find a fake contact to answer the phone. This situation is risky. Once it is detected by the risk control of the platform, it will be directly rejected, leaving a blacklist record. Furthermore, even if the application is successful, if you know that there is fraud in the post-loan management inquiry, you are likely to ask for a one-time settlement of the funds. If the situation is serious, you will be sued for loan fraud, so don't try.