In addition, if there are overdue records in the credit investigation, it must be settled as soon as possible, otherwise the overdue records will remain in the credit investigation and continue to have adverse effects.
Extended data:
In-bank repayment:
The repayment methods mainly include: issuing bank counter, ATM, online banking, automatic transfer, telephone banking repayment, etc. The credit card limit will be restored immediately after repayment, and the money will generally be recorded after being processed by the system on the same day.
Mobile phone repayment
Mobile phone is a personal payment terminal of mobile financial system, which can be used for direct repayment and transfer by credit card. Arrive immediately!
Convenience store repayment
Convenience store repayment is mainly completed through the "Lacarra" smart payment terminal installed in the convenience store. Generally, it will arrive in 2~3 working days, and there is no handling fee for repayment in this way.
I. Personal account information
1."/"means no account has been opened; 2. "*" indicates that there is no repayment history this month; No repayment is required in the current month; The repayment frequency is irregular, and there is no repayment behavior in the current month; 3. "#" indicates that the repayment status is unknown; 4. "N" means normal, and the borrower has returned all the repayment amount of the current month on time; 5. "C" refers to settlement, including normal settlement, early settlement, debt settlement with assets and settlement on behalf of the guarantor; 6. "D" means that the guarantor has repaid the borrower's loan on his behalf, including the guarantor's repayment on schedule and the guarantor's repayment of part of the loan;
7. "G" refers to any form of account termination except settlement; 8. "Z" means that the debt is paid off with assets, and the borrower has repaid the loan with assets, which only refers to the part paid off with assets;
Two. Expired information
1."1"means 1-30 days overdue. If the repayment is made in time, the repayment record of next month will be marked as normal repayment, that is, "n". 2. "2" means 3 1-60 days overdue; 3. "3" means 6 1-90 days overdue; 4. "4" means 9 1- 120 days overdue; 5. "5" means overdue 12 1- 150 days; 6. "6" means overdue 15 1- 180 days; 7. "7" means the overdue is more than 180 days.
Three. preventive measure
1. Query time is not equal to report time. Query time refers to the time when the system receives the query application from the query operator, and report time refers to the time when the system generates the credit report after receiving the query application.
2. Marital status information does not come directly from the Civil Affairs Bureau, but is provided by the financial institution that handles business, and its content comes from the information provided by the borrower to the financial institution.
3. Information summary includes asset disposal information, guarantor compensation information, credit cards, housing loans and other loans, and summarizes the number of accounts, overdue accounts and guarantees for others respectively.
4. The number of accounts is not equal to the number of credit cards. The number of accounts means that there are several credit card accounts, several housing loans and several other loans in the borrower's name.
5. Overdraft balance is not equal to the used line. The quasi-credit card shows the overdraft balance, and the credit card shows the used amount.
6. The overdue amount of credit card refers to the amount that has not been repaid on time or in full by the deadline of repayment date, and the related expenses such as interest, penalty interest, late payment fee and so on. Finally, I suggest that you don't frequently inquire about credit reports, and don't let banks or other financial institutions inquire about personal credit reports in a short time, because frequent inquiries about credit reports will greatly affect loan applications. I hope I can help you.