2. There should not be too many loan records in the credit report: there are a lot of loan records or application records and inquiry records in the credit report. Although these are not direct negative factors, they are not conducive to the approval of mortgage loans.
3. The debt on the credit report should not be too high: the debt on the credit report should not be too high, because everyone's repayment ability is limited. If you are already burdened with high debts, such as credit card installment or outstanding loans, the bank may refuse your mortgage application for risk control.
What should I pay attention to when buying a house for credit investigation?
Before buying a house and making a credit report, you need to pay attention to check whether there is a credit card arrears record. When buying a house, if the credit card is in arrears, the bank will also ask to make up the arrears. You don't have to pay off your credit card, just deposit the amount you owe into it.
Personal credit report plays an important role in many fields except applying for mortgage and credit card from banks. Credit records involve almost every major economic activity of individuals. Without a good personal credit record, many things may not be done.
Under what circumstances will personal credit information be affected?
1, Credit card overdue: Credit cards are also widely used in our lives. Everyone must strictly abide by the regulations of the issuing bank when using credit cards, because improper use of credit cards will also affect personal credit information. Under normal circumstances, three consecutive overdue credit cards (or six in two years), or unpaid overdraft consumption, will form a bad credit record. Generally speaking, overdue repayment of credit cards means owing money to banks, and banks will think that such borrowers have no credibility.
2. Guarantee for others: Don't think that only loans overdue will let his credit report have a bad record. In fact, if you are the guarantor of other people's loans, you also need to bear the responsibility. If the lender defaults or fails to repay the loan on time, the bank will find a guarantor. This will not only be responsible for urging the parties to repay, but also leave a bad record on their personal credit records. The loan guarantor has a great responsibility, so be careful before signing.
3. Too many times of credit inquiry: At present, banks are more and more strict in approving borrowers' personal credit information. Some friends are well-behaved in their daily lives, and have not overdue repayment, but they will still be refused loans or reduced loan quotas because of personal credit problems. This situation is probably due to too many personal credit inquiries. The number of inquiries, which banks and the purpose of inquiries objectively reflect the credit level of customers. If the personal credit inquiry is made many times, but the loan is not granted, the bank has reason to suspect that its solvency is not good and is regarded as a risky customer.
How to eliminate overdue credit reports
After the debt is repaid, if it is not overdue, this overdue record on the personal credit report will be automatically eliminated after 5 years. According to the "Regulations on the Administration of Credit Information Industry", the retention period of personal bad information by credit information agencies is 5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted. As long as good credit behavior is maintained within five years, these bad information will disappear after five years.