1. No credit history. Although we say that there are many overdue records in the credit report, which is a devastating blow to credit, if the loan applicant has never applied for a loan from a bank or other lending institution before and belongs to a pure white household, it is actually very difficult to borrow. After all, there is no reference material for bank approval, and it is easy to reject you when you encounter a bank with strict risk control. In this case, the lending institution either refuses to lend or only issues a small amount of loans.
2, even three tired six. "Three consecutive years and six consecutive years" is the jargon of the loan industry, which means that the credit report of the loan applicant has a credit record that is overdue for three consecutive months or accumulated six times. Once this happens, it is a serious breach of contract, exposing that the loan applicant may lack repayment ability or have poor credit awareness, which is equivalent to poor credit reporting.
3. Query records. The credit report will leave the inquiry record of the credit reporting agency. If multiple credit institutions inquire at the same time and fail to pay, it means that there is something wrong with the borrower's qualification and credit. Of course, the frequent inquiry of credit report will affect the loan application, and it will only be established if the lender makes frequent inquiry. If you often check your credit report, there is no problem.
1. Expired records. Overdue records are mainly divided into two parts, one is the overdue records of bank loans or credit cards, and the other is the overdue records of online loans. No matter what kind of overdue records, it will affect the loan application Therefore, whether you apply for a bank loan or an online loan, you must repay it on time, and it must not be overdue, otherwise it will easily affect your future loan application. Although not all overdue records of online loans will be recorded in your personal credit report, they will also be recorded in other third-party credit reporting agencies, such as Sesame Credit and Tencent Credit, which will also affect your loan application.
Second, there are too many inquiries from lending institutions. There are two kinds of inquiry records of personal credit reports, one is self-examination records, and the other is inquiry records of lending institutions. Self-inspection records have no negative impact, but if your personal credit report is frequently inquired by lending institutions, it is also a bad record, which is likely to affect future loan applications.
Third, water, electricity and other living expenses are not paid on time. In addition to the loan records, some living expenses will also be recorded in the credit report. If you are in arrears with your living expenses, your credit report will have a bad record, which will affect your future loan application.
Fourth, punishment records are also bad records, including tax evasion, administrative detention, civil judgment records and so on. If these are recorded, it is easy to refuse the loan application.