According to the regulations, financial institutions must truthfully send the borrower's loan and repayment records to the central bank's credit information center within T+ 1 day. Therefore, after more than 3 days, the borrower's overdue records will definitely be reported to the credit bureau, and financial institutions will also start to collect them.
However, the beginning of telephone collection does not mean that borrowers will immediately come into contact with the address book. As long as the collection staff can contact the borrower, and the borrower has a good repayment attitude and the overdue time does not exceed 1 month, there is a high probability that it will not be exposed to the address book. Similarly, when the borrower's overdue time exceeds 1 month, most collectors will take some violent collection methods to collect the money.
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How to improve the comprehensive score of credit card?
The lack of comprehensive score can be recovered by uploading real information, increasing asset certificates, paying off some debts, repaying overdue debts and avoiding repeated applications. Details are as follows.
1, upload real information
Before applying for a loan, the user must first use his real mobile phone number to receive the verification code and register a loan account. When actually applying for a loan, he must upload his real and effective information, such as his ID card and real-name bank savings card within the validity period, so that the system can confirm that he is applying for a loan, thus evaluating a higher comprehensive score.
2. Add an asset certificate
The reason for the lack of comprehensive score may also be that the user's assets are few, which leads the system to think that the user's income level cannot repay the loan normally. Therefore, before applying for a loan, users can also upload their own asset income certificates, such as salary flow, social security provident fund deposit details, immovable property certificate, vehicle ownership certificate, etc. In this way, the system will think that the user's qualification is good and evaluate a higher comprehensive score.
3. Pay off some debts
If the user's loan records and credit card records show that the debt is too high, the loan platform will assume that the user's solvency is limited, which leads to insufficient comprehensive score. Before applying for loans, users should take the initiative to settle some revolving loans and consumer loan products, so as to reduce the debt level of users and get higher comprehensive scores.
4. Repaying overdue debts
If the user's loans and credit cards are overdue, they must be repaid in time and cannot be overdue again in the next six months to 1 year, so as to get a higher comprehensive score. However, if they are particularly overdue, they can only apply for loans after the five-year retention period recorded in the credit report.
5. Avoid repeated applications.
When users need a loan, don't just test the loan amount on different loan platforms, which will leave a record on the credit report, thus affecting the loan approval. Users should know about different loan platforms and choose good loan products before applying for loans, so as to avoid submitting loan applications repeatedly and get a higher comprehensive score.