First, the impact of credit reasons
(1) Credit card or loans overdue. Whether it is a credit card or a loan, if it is often overdue or not paid back for more than one month or two months, it will cause a bad credit record. In addition, don't think that you can ignore the credit card by paying it back. Don't forget that many credit cards have annual fees. If you go to loans overdue because of the annual fee, you will lose more than you gain.
(two) more or higher liabilities. Users make loans through a number of financial institutions, and the loan amount is large, which will also affect personal credit information.
(3) Too many credit inquiries. Too many credit inquiries are not good. It is recommended that you make inquiries when you need to handle the credit inquiry business, so as to avoid the rejection of credit card application or loan application due to too many records of credit inquiry.
(4) public records. In some cities, the arrears of public utilities will also be recorded in personal credit reports, such as long-term arrears of water, electricity and telephone bills.
(5) Bad social record. Generally speaking, the bad records caused by social behavior mainly include tax arrears, civil judgment records and enforcement records.
Second, how to maintain personal credit information
(a) Applications for withdrawals or loans are not submitted frequently. The bank will check your credit information every time you submit a withdrawal or loan application. The more times you check the credit information, people will think that you are in urgent need of money, and lending money to such friends may be risky, so they are unwilling to lend you money. In addition, the same is true for frequently applying for credit cards or withdrawing money.
(two) often use credit card consumption, get rid of the identity of white households. Usually, compared with white households, banks are more willing to issue loans to customers who have already made loans and successfully repaid them. Because banks are unwilling to lend to people who can't judge their credit status, because white households have loan risks. To this end, you often use credit cards to pay back on time, which can not only get rid of your status as a white household, but also add points to your personal credit information.
(3) Don't be overdue, it is very important to repay on time. It should be noted here that many friends think that p2p platforms and third-party institutions do not have to repay loans. In fact, in the era of Internet finance, many small loan products are also subject to credit reporting. So, either don't borrow it or repay it in full and on time after borrowing it.