First, check the credit situation.
Under normal circumstances, as long as the lending institution sees that the borrower has three consecutive overdue loans or accumulated six overdue loans within two years, it is likely that the loan will not be successful for so long. Therefore, when borrowers use credit cards in their daily lives, they must repay them on time.
Second, check whether you are in debt now.
As long as you have a repayment record now, check this situation. If your debt accounts for too much of your income, it will also lead to loan failure.
Third, check whether you are married.
Personal information is required in the submitted credit report. Don't think that the marital status shown above is just a trivial matter, it plays an important role in your application for a mortgage. It is reported that when applying for a mortgage, if the borrower is married, the bank will also check the credit status of the spouse. Only when both parties have good credit can they qualify for a basic loan. Therefore, married people should not only repay the loan on time, but also remind their spouses to do so when repaying the loan.
Fourth, the number of times to query the credit report.
On the credit report, your latest credit report will be displayed. If it is too many times, the bank may refuse your loan application on this ground. Because in a very short period of time, the credit report has been inquired many times, which probably indicates that the recipient has got the loan. However, due to the lag in the contents of the report, it will only show whether there is debt when the borrower starts to repay.
Understand these four points, you should also realize the importance of credit reporting, right? Therefore, in the process of use, we must verify the credit report clearly, and if there are any incorrect places, we must submit an objection application in time for revision.