2. Choose a lending platform with low threshold: Some lending platform customers with low threshold can try it, but the lending amount of the lending platform is usually low, especially for customers with poor credit. The amount that customers may borrow is only a few thousand or even hundreds;
3. When clearing the credit record: After the customer settles the loan, the bad credit record will be cleared automatically after 5 years. Generally speaking, a bad credit record lasting for more than 2 years has little negative impact on customers. Therefore, customers can apply for loans after the bad credit records are cleared or the negative impact is reduced.
That's how to get a loan when the credit is not good.
What does personal credit reference mean?
Personal credit investigation refers to the collection and processing of personal credit information by a personal credit investigation agency established in accordance with regulations, and provides the contents of personal credit information inquiry and evaluation business according to customers' requirements, mainly recording basic information, credit information, non-financial liability information, public information and inquiry information.
How to improve credit reporting if credit reporting is not good
1. Maintain a stable personal credit record: when there are overdue records or other bad credit records in the credit investigation, customers need to maintain a stable repayment habit and cover up the overdue records and other bad credit records through normal repayment records. General personal credit reporting agencies will only look at the personal credit records in the last two years;
2. Reduce the debt ratio: because each loan record will have a certain reaction in the credit report, when there are too many debt records in the personal credit report, it will also affect the loan processing, so it is best to settle some loans in time, and it is best to ensure that it is below 50%;
3. Prevent frequent application for loans: Customers often apply for loans in a short time, which will not only enrich the credit information, but also lead to the behavior of "borrowing more and lending more to support loans", which will affect personal credit information. Therefore, when applying for a loan, it is best to apply separately.
This article mainly talks about how to get a loan if the credit is not good, and the content is for reference only.