1. Not blacklisted

The most direct reason for not being blacklisted is that the borrower is not on the blacklist (more overdue times, non-payment for more than 3 consecutive months), not the court Executed list.

2. Not white

Many people may know that blacklists cannot get loans, but credit gaps also have a great impact on loans.

The purpose of a credit report by a lending institution is to trace the past credit status of the borrower. If there is no record to refer to, the loan will be affected. Therefore, a good credit report cannot be blank, and there must be at least a loan record or credit card usage record.

3. Not many

The “many” here mainly refers to the number of loans, the number of credit cards, and the number of overdrafts. If there are a lot of loans and credits reflected in the credit report, the lending institution will think that the borrower has too much debt and there are many credit cards, and the bank will think that the loan has the risk of using the card to support the card.

4. Not chaotic

The so-called not chaotic means that there are no frequent inquiries in the credit record. Some friends like to check their credit information randomly when they have nothing to do. You must know that if there are too many credit information inquiries in a short period of time, the lending institution will think that you are short of money, which is a huge risk, so too many credit information inquiries are also detrimental.