Generally speaking, a bad credit score can't be passed. Applying for a loan from Anya need to check personal credit, and personal credit is a financial institution to approve the qualification of the loan is more important point, if there are even three or six serious bad credit problems, Anya will refuse to lend money. It is recommended that borrowers maintain a good credit history and wait for the five-year display period for bad credit to pass before applying for a loan.

How long does it take to recover from credit spent

It takes five years for users to recover from credit spent due to late payment. In cases where the user has paid off the outstanding amount, the credit recovery time is 5 years. The user's bad record will be retained for 5 years time, more than 5 years of automatic deletion, by then your credit will be restored to a good state. If the user is not overdue in the case of credit spent is to take 2 years.

I. How can I get a loan if my credit is spent and not overdue?

1. If credit is spent but there is no late record, to get a loan you can apply directly at the bank or go to a lending institution to apply as well. Even though banks and these lending institutions will review the borrower's creditworthiness, it is still possible to get a loan because there is no such bad record as late payment on the credit.

2. Of course, credit spent to a certain extent does affect the approval of the loan, after all, credit on the "loan approval" in the name of the query record is too much, it may let the bank and lending institutions that the borrower's economic life is not stable, do not have the ability to repay the loan on time, and thus may refuse to approve the loan. However, as long as the borrower can provide sufficient information to prove that he can repay the loan principal and interest on time, then the chances of getting a loan are still relatively high.

3. Of course, customers can also go to apply for online loans, after all, online loans to big data, platform wind control, the application threshold is generally low. Just in the choice, must pay attention to check whether the platform is formal, to prevent bumping into loan sharks, fraudsters.

II. The benefits of credit

Unhindered on loans. For banks and lending institutions, personal credit can be used to lend a sum of money, the better the credit, the larger the amount. Personal credit as one of the most important conditions for the loan business. Personal credit report in the most direct response to the personal credit of the paper report. For home loans, car loans, credit loans, mortgages, etc. need to check the personal credit report, good credit people, in addition to easier to apply for loans, loan amount also tends to be higher. If there is a bad record on a person's credit, the bank or other lending institution will not lend money.