This matter depends on the individual's specific credit information. This situation can't be handled in banks, but some local financial institutions can still accept it. Our personal credit information report is a very important data as a standard for banks and financial institutions. However, many friends have been blacklisted for various reasons and become black households. We don't think so. When we are in financial difficulties, we will regret it after being rejected by the bank. Can I only borrow from the blacklist? We must first understand what a credit blacklist is. It means that there are too many overdue records in our personal credit report, even very serious. In this case, it is easy to be refused a loan when applying for a credit card or loan. Personal credit report only truthfully records our personal credit situation, which is an objective record of personal credit card, loan processing, application and repayment. There is no blacklist in the central bank's credit information system. We usually talk about black households. Generally speaking, personal credit information is overdue for more than 90 days, and a good credit record is the most basic condition for customers to apply for loans again. After more than 90 days, it will be blacklisted, and basically banks and some financial institutions are afraid to give you any more money.
In addition, the "bad information" in the credit report also includes: default information, tax arrears information, court and administrative punishment information, which will not remain in our personal credit report forever, as long as the parties have dealt with these bad behaviors or information such as default and tax arrears, and will not be displayed in the credit report in the next five years.
If you can't handle it, is there any way to get a loan from the blacklist? In this case, it is basically useless to apply for loans from banks in the short term, and loans can be financed through other channels. Compared with banks, some loan financial institutions have higher requirements for applicants' credit information, but they will evaluate the value of mortgaged items. They only need to negotiate loan-related matters and sign a loan contract, and they can get the funds, but the fees are generally higher.
The above is about how to get a loan when the credit information is hacked.
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