Personal credit records in the central bank system will be automatically updated every five years. If five years have passed since your personal credit list, you can apply for a loan from a financial institution. There are also some people who are overdue only occasionally. These people can contact the banking institutions in time, explain their actual situation, and repay as soon as possible with the assistance of the banks, so as not to affect their personal credit information again.

2. Look for lending institutions that don't look at credit records:

At present, many financial institutions will look at the borrower's personal credit information when reviewing the borrower's information. However, some platforms have some exceptions. For example, the mortgage platform pays little attention to the borrower's personal credit information. Even if the borrower's personal credit is not good, as long as the borrower's name has fixed assets as collateral, he can apply for a loan from this institution. Borrowers can use their fixed assets, such as real estate, automobile products and jade as collateral, and can apply for certain loans from these financial institutions.

First, how to check your personal credit record?

There are two ways to query credit records: online query or on-site query at query points. The former is free of charge, while the latter is free of charge for the first two inquiries every year, and charges will be charged from the third inquiry (10 yuan/time).

1, online query

Login to the Credit Information Center of the People's Bank of China through the ID number to complete the registration and pass the identity verification. Within 24 hours, the Credit Information Center will send an identity verification code message to your mobile phone, log in again after receiving the message, and enter the identity verification code to view the personal credit information report.

2. Counter inquiry

Bring the original and copy of my valid ID card, and you can go to each credit information sub-center.

Second, what bad records can be eliminated?

1. False information:

If your credit information is bad due to false English information, and the circumstances are not serious, it is recommended to go to the local credit information center to file an objection application. Under normal circumstances, it takes about 20 days to deal with objections, which has little impact.

2. Encounter a fake loan:

The main reason for encountering fake loans is the loss of identity cards, which leads to the theft of personal information. If there are bad records of non-personal behaviors in the credit report, it is recommended to apply for verification, or you can ask the bank to eliminate bad records of fake loans.

3. Occasionally expired can be saved:

It is not impossible for banks to do some overdue behavior, usually within a certain range. Occasionally overdue will not affect the mortgage application. However, due to different banks and rules, the requirements for overdue will be different. But please remember one sentence: "it is not difficult to borrow again after borrowing and returning."