Hello, the "n" in the credit report means "normal", which means that the user has no overdue record recently; "1" does not mean once, but 1-30 days overdue; "2" means 30-60 days, and so on. If "1" only appears occasionally, it will have little impact. However, it is not a good thing that "1" appears many times in a row. The most intuitive response is that the repayment ability and willingness of users during this period are not ideal. What is more serious is what we often call "three consecutive declines and six consecutive declines", which shows that the credit situation is still relatively bad. I suggest that you pay back on time at ordinary times, and don't be overdue.

1. Credit information is called "economic identity card" of our information subjects to some extent, including enterprises and individuals. At present, the largest amount of our (credit report) is the financial system. In the financial system, it should be said that it is currently in all aspects of bank loan approval, risk pricing and post-loan risk management. Financial institutions need to check the parties involved in the credit report for the approval of every loan, the issuance of every credit card, the pricing of every risky product, the risk warning of every customer and the collection of every non-performing loan. It can be seen that the credit inquiry has been fully and deeply embedded in the management system of financial institutions. In the process of credit management, financial institutions increasingly use and rely on credit information system.

2. In addition, with the improvement of public credit awareness in recent years, the scope of application of credit reports has become wider and wider, and gradually increased. Come to think of it, the amount is very large. At present, these statements are used in all aspects of social and economic life in the process of business transactions and business cooperation, such as housing rental and purchase, transportation and centralized procurement, product project bidding and investment promotion activities.

3. On the other hand, in the process of administrative management, administrative law enforcement and judicial handling, as well as in the excellent evaluation of all aspects of society and the supervision and enforcement of financial supervision departments, we are using a large number of credit reports.

4. If the credit information is not good, it will also affect the job search. Nowadays, personal credit investigation has become particularly important in people's lives. Some institutions, large enterprises, banks and financial institutions have begun to inquire about credit report. Once long overdue loans are found, they are likely to be written off during the interview.