The following is a bad credit report that affects loans (housing mortgage loans):

1. The credit card is overdue for three consecutive times (or six times in two years).

2. The monthly payment is overdue or overdue for 2 to 3 months.

3. The monthly payment of the car loan is overdue for 2 to 3 months or has not been returned.

4. If the loan interest rate increases, the "monthly payment" will still be paid according to the original amount, resulting in overdue interest.

5. If you don't use the "Sleep Credit Card" after activation, there will be an annual fee. If you don't pay, you will have a bad credit record.

6. Credit card overdrafts and mortgage loans are not repaid on time.

7. When providing a guarantee for a third party, the third party fails to repay the loan on time.

8. Economic disputes such as debts will also affect credit records.

9. Water, electricity and gas charges are not paid on time.

10, personal credit card cashing behavior.

1 1. Outstanding student loans.

12. Mobile phone charges are linked to bank card charges. After the mobile phone was stopped, the relevant procedures were not handled, and the monthly fee was overdue.

13. Credit card arrears records are generated by others with their own ID cards or copies of their ID cards.

Extended data:

Eliminate bad credit records

If a citizen thinks that there are errors or omissions in the information in the credit report, he may file an objection application with the Credit Information Center or the Credit Information Sub-center, and fill out the Personal Credit Information Objection Application Form. After accepting the objection application, the Credit Information Center of the People's Bank of China will contact the commercial bank providing the objection information for verification, and reply to the objection applicant within 20 days after accepting the objection application.

If the appeal is unsuccessful, the Credit Information Service Center of the People's Bank of China allows the dissenting applicant to attach a personal statement within 100 words in his personal credit report. The reporter further learned from a number of citizens who inquired and used the credit report that the statement in the personal credit report is useful if it is overdue for about 3 times.

For those who are overdue for more than 3 months in a row, they need to issue a certificate to the overdue bank. For the credit card application, Minsheng Bank's empty customer service said that it is a pity that personal credit is tainted because of unfamiliarity with credit card business. It is not recommended to apply for credit cards at will without knowing the credit cards of major banks.

Become unreliable-credit stain

People's Network-Learn how to avoid bad credit records in credit investigation.

People's Daily Online-Too many personal credit reports affect the loan industry: 1 month, no more than 5 times.