Hello, credit rating is to use your credit to help others apply for loans, which is very risky. Do not use your credit to help others. Helping a friend with a loan refers to applying for a loan from a loan platform in the name of an individual, borrowing money from a friend, and the friend transfers it to the party for repayment in installments. This model is generally based on the trust with friends or relatives, and the two sides reach an oral agreement or sign a simple loan. This model is generally risky. If a friend or relative stops repaying the loan halfway, as a lender, you need to repay the loan yourself. Not everyone can be a guarantor. According to the "Guarantee Law", the guarantor must have certain qualifications, and state organs, schools, kindergartens, hospitals and other public institutions and social organizations with the purpose of public welfare may not act as guarantors. If the guarantor is a legal person, he must be able to repay all the principal and interest of the loan and open a deposit account in the bank.

1. Article 17 of the Regulations on the Administration of Credit Information Industry in People's Republic of China (PRC) stipulates that information subjects can inquire their own information from credit information agencies. Personal information subjects have the right to obtain their credit reports twice a year for free. Article 18 To inquire about personal information from a credit reporting agency, the written consent of the information subject shall be obtained, and the purpose shall be agreed. Unless the law stipulates that inquiries can be made without consent. Credit institutions shall not provide personal information in violation of the provisions of the preceding paragraph. Article 19 Where a credit reporting agency, information provider or information user obtains the consent of the subject of personal information by using the terms of the standard contract, it shall give a full prompt in the contract to attract the attention of the subject of information and make a clear explanation according to the requirements of the subject of information.

2. If the guarantor is a natural person, he must have a fixed source of income, have sufficient compensation ability and have a certain margin in the loan bank. It is no small matter to help others with loans and guarantee others. According to the law, if the borrower fails to repay in full and on time, the bank has the right to take the borrower and the guarantor to court and demand that the proceeds from the guarantor's collateral be auctioned off first. Repay the bank loan. Banks only act according to contracts. As for the agreement between the lender and the guarantor, it belongs to private friendship and is not protected by law. Therefore, when providing loans or guarantees to others, we should clearly understand their legal relationship and potential risks.

3. It is a scam to spend money to clear credit records or spend money to whitewash records. They took advantage of the luck of dishonest people. It is undeniable that some special credit reports can be repaired, but most people's credit reports cannot be repaired. At present, only financial institutions connected to the central bank's credit information system can repair credit information, and the interface between the central bank and these banking systems is strictly regulated. If personal credit records are wrong due to bank reasons, valid evidence must be provided, otherwise credit repair will still be refused. If the credit record is bad for personal reasons, it can only be repaired in time. The accumulation of credit should start from scratch. Don't believe those so-called shortcuts. Routine loan refers to fabricating facts and concealing the truth for the purpose of illegal possession, which is obviously not conducive to the lender to conclude a loan contract.