When dealing with real estate mortgage loan, the requirement for credit information will be reduced to some extent because the house is provided as collateral. Mainly depends on the form.
Method 1: There are many reasons why false information leads to poor credit reporting. If the bad credit information caused by false information is not serious, you can directly go to the local central bank's credit information center to file an objection application, and you can get a reply within 15 working days; If the procedures are serious, such as fake loans, you may need to report to the public security organ in addition to negotiating with the bank.
Method 2: Non-malicious credit information such as unpaid annual fee and overdue credit card repayment. Some people's bad credit information is caused by not knowing the credit card regulations, not paying the annual fee, or the third party's reasons, and the bank's deduction is not timely. In case of this kind of bad credit, in addition to actively paying off the arrears, you need to actively communicate with the bank and explain the reasons. It is best to ask the bank to issue a non-malicious overdue certificate.
Method 3: Lend money as appropriate if overdue is not serious, and different banks have different tolerance for overdue. Some are very strict, while others are relatively loose. Generally speaking, you should have a good grasp of the data: you can't be overdue twice in the last three months, three times in the last six months and four times in a year; You can think of it as a red line, which is not beyond the scope of this red line. With considerable income and good repayment ability, banks will lend as appropriate. And if your overdue is serious, it is beyond the bank's tolerance. I can only suggest that you keep the habit of paying off your debts on time for five years, and the bad credit record will be automatically eliminated.
Method 4: change the identity of a subject to apply for real estate mortgage loan. If you can't apply for a real estate mortgage loan due to poor credit information, you can use the identity of parents, couples and children to do it. Usually, if the value of collateral is high enough, commercial banks or some small loan companies will relax your personal credit conditions. Show real estate, cars, insurance policies and other valuable collateral, even if the credit is not good, it is very likely to get a loan.