No loans. Why is there a problem with credit reporting?
(1) Guarantee loans overdue.
Although I have never applied for a loan, some relatives and friends have done loan business, and I am the guarantor of the loan of relatives and friends. If relatives and friends in loans overdue, financial institutions do not repay on time, personal credit will naturally be affected.
(2) The credit card overdraft has not been repaid.
Although I have never made a loan, I have applied for a credit card. In the process of using the credit card, there are some bad behaviors such as illegal cashing and overdue repayment. After being reported by the issuing bank to the central bank for credit investigation, I will naturally leave a bad record in the credit information column of the personal credit investigation report. Thereby affecting personal credit information.
(3) Apply for credit cards frequently.
Every time you apply for a credit card, you will leave an inquiry record in the name of credit card approval in your personal credit report. If you frequently apply for credit cards from multiple banks, it will naturally lead to too many records of credit inquiry, so it will become a "flower garden".
(4) Having a record of administrative punishment.
In daily life, administrative punishment for some violations, such as bad public behavior such as monopolizing seats on high-speed rail, failure to pay utilities fees such as water and electricity, and tax arrears in telecommunications business, will have an impact on personal credit information.
(5) Having a record of civil judgments.
Economic disputes between citizens, between citizens and groups, between groups due to borrowing, leasing, buying and selling, etc. ; There are also custody disputes and property disputes. Within the family. After the civil judgment, the public information column of personal credit report will leave corresponding records, which will have certain influence.
(6) being enforced by the court.
If you are sued for not paying your debts and still refuse to carry them out after the court's decision, then the court is likely to enforce them. At that time, it will be recorded in the personal credit report, which will bring adverse effects. Acts such as malicious evasion of execution will also be included in the list of people who have lost their trust.
The above are some contents about personal credit information, so you can pay attention to them.