2. The credit card has been overdue for three consecutive times, totaling six times.

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

6. Personal credit card cashing.

7. The student loan is in arrears.

8. If the "Sleep Credit Card" is not activated, there will still be an annual fee. If you don't pay, you will have a negative credit record.

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

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

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

12. Mobile phone charges are linked to bank card charges. If you don't go through the relevant formalities after the mobile phone is stopped, it will be overdue due to insufficient monthly fee, which will also cause bad records.

1. To make a credit report, you should go to the local people's bank credit bureau.

Need to hold the original and copy of my ID card; Where an agent inquires about a personal credit report at the inquiry point, the agent shall provide the original valid identity documents of the principal and the agent and the notarized power of attorney for inspection, fill in the Application Form for Inquiring about Personal Credit Report, and keep copies of the valid identity documents of the principal and the agent and the notarized power of attorney for future reference.

2. According to the Regulations on the Administration of Credit Information Industry:

Article 16 The retention period of personal bad information by credit reporting agencies is 5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted. During the retention period of bad information, the information subject may explain the bad information, and the credit reporting institution shall record it.

Seventeenth information subjects can inquire about their own information from credit reporting agencies. The subject of personal information has the right to get my credit report twice a year for free.

Article 18 Anyone who inquires personal information from a credit reporting agency shall obtain the written consent of the information subject and agree to use it. However, unless the law stipulates that it can be inquired without consent. Credit institutions shall not provide personal information in violation of the provisions of the preceding paragraph.