Yes, loans can be obtained from households with white credit records. When approving a loan, financial institutions mainly examine the borrower's repayment ability and personal credit. If the borrower has no bad credit record, he or she can provide proof of financial resources such as real estate certificate, driving license, certificate of deposit, salary statement, etc. to prove that he has the ability to repay the loan. If you have the ability and stable income, then there is no problem in applying for a loan

Credit report:

Currently it is mainly used for various consumer credit businesses of banks. As the social credit system continues to improve, credit reports will be more widely used in various commercial credit sales, credit transactions, recruitment and job hunting. In addition, personal credit reports also provide the inquirer with a way to review and standardize his or her credit history behavior, and form a verification mechanism for personal credit information.

Credit information:

1. Basic personal information used to identify individuals and reflect their family, career, etc.;

2. Individuals and financial institutions Or personal credit information formed by credit relationships with institutions such as housing provident fund management centers;

3. Personal credit purchase and payment information formed by credit purchases between individuals and commercial institutions and public utility service agencies;

4. Public record information related to personal credit formed by administrative agencies, administrative executive agencies, and judicial organs in the process of exercising their powers;

5. Other personal credit-related information information.

What are the influencing factors?

The main factors that may affect personal credit risk scores are: there have been overdue repayments on loans, or credit card overdrafts have not been repaid within the agreed time limit and due date. repay the loan limit, or have too many loan accounts and credit cards, etc.

Credit Reporting Management Regulations:

Article 25: If the information subject believes that there are errors or omissions in the information collected, saved, and provided by the credit reporting agency, he or she has the right to report to the credit reporting agency Or the information provider raises objections and requests correction.

When a credit reporting agency or information provider receives an objection, it shall mark the relevant information as objectionable in accordance with the provisions of the credit reporting industry supervision and administration department of the State Council, and conduct verification and verification within 20 days from the date of receipt of the objection. Process and respond to the opponent in writing with the results.

After verification, if it is confirmed that there are errors or omissions in the relevant information, the information provider and the credit reporting agency shall make corrections; if it is confirmed that there are no errors or omissions, the objection mark shall be cancelled; if it cannot be confirmed after verification, , the verification status and objection content should be recorded.