1. Handling through a third-party guarantee institution: Third-party guarantee companies have long been separated from major banks and are familiar with the bank's loan process and requirements, so more and more people will choose to handle bank loans through third-party guarantee companies. If the credit information is not good enough, find a third-party guarantee company, let it specify a suitable loan scheme for you and provide guarantee services, and it will come forward to assist in handling it. Usually the loan pass rate will be much higher.

2. Choose a bank with lower requirements for credit information: Many people wonder how the bank requirements are low. But in fact, banks also have classifications. State-owned commercial banks, joint-stock commercial banks and local commercial banks. Different banks have different requirements. State-owned commercial banks don't even have to think about it in the case of bad credit reporting. Joint-stock commercial banks depend on which bank is more "accommodating", such as Ping An Bank. If the credit information is good, you can also get a loan. To put it bluntly, local commercial banks are actually "small loan companies under the guise of banks". The requirements are generally lower than other banks, but it should be noted that the interest rate will be higher.

3. Apply for a mortgage loan: If your credit information is not good, you can actually solve it by replacing the loan product. General credit loans have high requirements for credit reporting. In this case, we can choose another way of mortgage loan. Because the mortgage loan is secured by collateral, the borrower's personal qualification can actually be relaxed appropriately. However, it is very important to choose collateral, generally choose collateral with high value and strong liquidity, such as real estate.

Second, how to solve the personal credit difference 1, non-malicious overdue

If the overdue is caused by non-personal subjective reasons, you can contact the bank staff after paying off the arrears, and the bank can issue a certificate of "non-malicious overdue" according to the specific situation, so as to continue to maintain a good credit record.

2. Misidentified by others

In the absence of a loan, there are overdue records on the personal credit report. This situation is likely to be that identity information has been fraudulently used. The parties concerned can raise objections to the local people's bank, and generally get a reply after 15-20 working days, and the bad records will be eliminated.

3. Due to the lack of bank information, the credit review failed.

Not having any loan record in the bank does not mean that the credit is good. Major banks pay more attention to timely repayment, and there are no overdue borrowers. Therefore, we encourage everyone to choose a loan with a lower threshold within their own ability, and at the same time cultivate good repayment habits.