Three times overdue in the personal credit report, if the overdue record has been deleted, you can subsequently apply for a loan, because the personal credit is back to normal, the user will be able to deal with other credit business.
Two, specific analysis
And the overdue arrears have been paid off, the overdue record has not been deleted, or the user still has not paid off the overdue arrears, as long as the overdue record is still retained in the credit, the user will not be able to successfully apply for other loans.
Most loans require authorization to check one's credit when applying, and having a late record in one's credit is considered bad credit, and bad credit does not satisfy the conditions for loan application.
No matter what kind of loan it is, one of the conditions of the loan is that the applicant should have good credit.
Loan overdue records can be deleted, after paying off the overdue arrears, the overdue records will be automatically deleted from the credit after 5 years.
For the user, having three late records in the credit report not only affects the user's ability to apply for other loans, but also has a negative impact on the user's daily life, such as job searching and civil service exams.
Internet loan big data can clearly reflect the user's recent application for an online loan, whether the online loan is paid on time, whether there is any identity information is suspected, etc.; you can look for a credit inquiry tool such as "Pei Tip Quick Check" to check, and then you can get a detailed risk report.
Three: Can I buy a car in installments if I have bad credit?
It is possible to buy a car in installments with bad credit, but the application for a car loan will not always be passed, in order to maximize the success rate of buying a car in installments, you can do the following points.
1, submit complete loan information in the installment to buy a car, you can submit proof of income, proof of personal assets and credit reports and other information, in the lending institutions within the scope of the requirements of the loan materials will be properly prepared, do not have to omit or error, and even more do not have false loan information.
If the credit is not very good, you can consult the lender to see if it will have an impact on their installment car, in sometimes bad credit does not necessarily affect the application for installment, you can do a good job of understanding in advance.
2, do not frequently check the credit bad credit is not necessarily because of late in the credit left a bad loan record, there may be more recent credit activities, in the credit report above left a lot of loan records and credit inquiry records, which will make the lending institutions feel that the economic capacity of the poor.
In this case do not continue to authorize other institutions to inquire about credit, and try not to apply for another loan, so that the credit slowly repaired before going to buy a car in installments.
3, reasonable choice of loan period because of the credit is not very good, the lending institutions may worry about the future repayment problem, so in the choice of loan period above to be more careful, if the longer the installment period, the platform's concern will be the greater, which may increase the lending institution's concern, you can according to their own actual situation to choose the number of installment period reasonably.
4, increase the proportion of down payment in the application of the car loan, you can try to increase the proportion of their own down payment, so as to minimize the negative impact of credit problems, after the proportion of down payment is increased, you can effectively reduce the demand for car loan amount, so that the lender's concerns will be less, can increase the success rate of the installment of the car.
5, more contact with other lending institutions different lending institutions in the car loan audit is not the same above, in the installment to buy a car before you can contact a few lending institutions, there are some institutions on the audit of the strength of the audit is not so strict, for example, manufacturers of financial audit on the lax some, you can contact a few lending institutions, may still be able to buy a car in installments.
6, find a third party guarantee loan can also find some qualification more excellent individuals or institutions to guarantee their own loan, if the car loan institutions to accept this kind of loan, as long as you can find a suitable guarantor, then the car loan institutions will naturally relax the requirements of the person, but also can be successfully buy a car in installments.
7, to ensure that there is no excessive debt in the credit is not very good premise, want to successfully buy a car in installments, then it is best not to have too much external debt, if too much external debt will deepen the concerns of the lending institutions will be worried about future repayment pressure and thus refused to loan.
So if you have too much unsettled external debt, you can reduce your debt ratio before you buy a car in installments.
You can see that you can also try to buy a car in installments under the premise that your credit score is not very good, but whether you can finally succeed or not depends on the results of the lender's review.