What should I do if there is something wrong with my personal credit information?
1, change credit record
Personal credit records in the central bank system will be automatically updated every five years. If your personal credit list has passed five years, you can feel free to contact financial institutions to apply for a loan. There are also some people who are overdue only occasionally. These people can contact the banking institutions in time to explain their actual situation, and repay the loans as soon as possible with the assistance of the banks, so as not to affect their personal credit information again.
2. Look for lending institutions that don't look at credit records.
Nowadays, many financial institutions will check the borrower's personal credit information when reviewing the borrower's information. However, some platforms have some exceptions. For example, the mortgage platform pays little attention to the borrower's personal credit information. Even if the borrower's personal credit information is not good, as long as the borrower has fixed assets as collateral, he can apply for a loan from this institution. Borrowers can use their fixed assets (such as real estate, automobile products and jade) as collateral, and can apply for some loans from these financial institutions.
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What should I do if my personal credit is not good?
1. If your information is stolen or fraudulently used, you should report it to the public security organ and fill out a statement in the bank denying the card or loan. At the same time, the bank will start the investigation and processing period of up to 3 months. Once it is confirmed that the loan or credit card has nothing to do with the customer, the bank will modify your credit record.
2. Bad records caused by insufficient annual fees. It is understood that some banks have begun not to report the annual fee arrears to the credit information system, but some banks still report it. In this case, bankers said that customers can go to the relevant banks to issue certificates to prove that they have a bad record because they are in arrears with the annual fee. Generally speaking, banks will be more tolerant of this phenomenon.
3. Small overdue repayment causes bad records. At present, most banks have introduced tolerance repayment. For example, in 5 yuan, or in a small amount of less than 65,438+00 yuan, banks are exempted from fines and late fees, but bad records will still be recorded. "But credit cards are different from loans. As long as the cardholder pays the minimum repayment amount, it will be regarded as normal repayment and will not go to the credit information system. Bank staff said that some banks can give customers a relevant explanation for the bad records caused by odd arrears.
4. A large number of overdue repayments have produced bad records. The bank will not refuse the loan immediately, but will judge whether to lend according to the number and length of time you are overdue. For example, when consumers apply for unsecured credit loans from banks, the overdue times should not exceed the relevant regulations (generally, they should not exceed twice in the last three months, three times in the last six months and four times in a year). Personal income is relatively stable, and banks will also lend money.
If there is a problem with the personal credit information system, it is suggested that it must be dealt with as soon as possible, and bad records should be eliminated as soon as possible, so as to better apply for loans and avoid affecting your normal life. The above is about how to deal with personal credit information and how to deal with personal credit information. I hope it will help everyone to apply for a mortgage.