Pay off the credit card first. Make the balance 0. If it is overdue within 1 year, check whether there is a personal credit record after it is paid off. . If not, the bank may be able to pass. .

Try to get the credit card bank to issue their instructions to prove that they didn't intentionally overdue, but sold and informed them. Not of my own will. . If you are more capable, go to the provincial people's bank to get rid of the overdue records, hehe.

If you borrow money to buy a house and you have a bad record, then your name will not appear on the property right, and the loan will still fail. .

If you sign an agreement privately, be sure to indicate all the details of buying a house and the reasons for signing the agreement. You'd better give your cousin a little handling fee to form a transaction fact. With a strong relationship, the contractual relationship is very equal. .