The specific operation mode is as follows:

First, the bad credit information caused by false information. After applying for administrative reconsideration, you can borrow money.

1. If the credit information is not good due to false information, you can directly go to the credit information center of the local central bank to file an objection application. Generally, you can get a reply within 15 working days;

2. If the procedures are serious, such as fake loans, you may need to report to the public security organ in addition to negotiating with the bank, but after all, it is quite easy to get loans after solving the problem of false information.

Two, unpaid annual fees and other bad credit, non malicious overdue certificate can be issued.

Some people's bad credit information is caused by overdue personal repayment, while others are relatively innocent, because they don't understand the credit card regulations, don't pay the annual fee, or because of third-party reasons, the bank deducts money in time; In case of this kind of bad credit report, in addition to actively paying off the arrears, you need to actively communicate with the bank, explain the reasons clearly, ask the bank to issue a non-malicious overdue certificate, and get this pass, and your road to loan application will be unimpeded.

3. If the overdue times do not exceed the relevant regulations, the bank will lend as appropriate.

Different banks have different tolerance for overdue. Some are very strict, while others are relatively loose. Generally speaking, you should have a good grasp of the data: you can't be overdue twice in the last three months, three times in the last six months and four times in a year; It can be regarded as a red line. Within this red line, with considerable income and excellent repayment ability, banks will still lend as appropriate.

If the overdue period is very serious, it will exceed the bank's tolerance. It is suggested that after paying off the debts, we should keep the habit of repaying on time for five years, and the bad credit records will be automatically eliminated. (Some banks only look at the credit information within two years)

Fourth, you can try mortgage loans.

Credit is not good, if you can't take the road of credit loan, you can also try mortgage loan. Usually, if the value of collateral is high enough, commercial banks or some small loan companies will relax your personal credit conditions. With valuable collateral such as real estate, cars and insurance policies, even if the credit information is not good, it is very likely to get a loan.

Verb (abbreviation of verb) tries emerging Internet credit products.

Credit information is becoming more and more important. In addition to the central bank's credit reporting, many private credit reporting agencies are gradually systematized, such as Sesame Credit, Koala Credit, and Qianhai Credit Reporting. Some loan products don't look at your central bank's credit information. On the contrary, as long as your credit score on the platform is high enough, you can get a loan.