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In the statistics of personal bad credit records, most loans (credit cards) are overdue. The main reason for this situation is that many people misunderstand the credit record: repayment in loans overdue will not affect the credit record. In fact, as long as there is overdue repayment, the credit information system will record the overdue once, which will seriously affect personal credit.
For many people, the most worrying thing is that there are overdue records in the statements. Overdue loans and credit card applications may be affected, but it does not mean that loans and credit card applications will be rejected. At present, most banks grasp the scale of overdue credit reporting: no more than 6 overdue repayments and no more than 3 consecutive overdue repayments. If this number is exceeded, the loan or credit card application may be rejected. The scale of banks may also be relatively relaxed because of the loose credit scale, or more stringent because of the tightening of credit scale. At the same time, if the personal overdue is not serious, only 1 2 times, and the overdue days are short, the impact is not great. It is worth mentioning that although the overdue period is not serious, it will still be recorded in the personal credit information system. Therefore, borrowers or credit card holders should try not to overdue. After all, personal credit records are very important at critical moments.
The minimum requirements of banks for personal credit report are: neither black nor white, neither much nor chaos.
If it is not black, it means that there can be no bad credit record. For example, if it is overdue for more than 90 days in a row and involves litigation, there is basically no solution to applying for a mortgage car loan credit card.
Yes, I have never done credit business in banks, including credit cards, loans and guarantees. Some online loan merchants (such as China) don't need credit information, and they are also white households that have been used many times. The bank's evaluation of white households with credit information is negative. It is suggested that newly graduated students can apply for a credit card first, raise it slowly and accumulate their own credit information.
Not much. "Multiple" here refers to a large number of loans, a large amount of loans, a large number of credit cards, and a high utilization rate of credit lines. In short, "more" is a sign that funds are quite tight. Looking for money everywhere, adding leverage crazily, the repayment ability in the future is worrying. Who dares to give you a loan?
Not chaotic, that is, the query records should not be too chaotic, especially in the near future, there should be no frequent hard queries. The subject said that the number of inquiries was 25, which was too much.
The query record of credit report record is different from the retention time of credit record. Credit records are kept for five years, and the records will be destroyed at the end of five years from the final settlement date, while the inquiry records will only be kept for two years. In other words, the topic has been checked 25 times in the last two years, so many times, whether it is a hard query or a neutral query, whether it is a year ago or the last year, the deduction items have not run.