Does it take three months or six months to collect credit?
It usually takes 6 months or more to collect credit. Most loans require users to have no more than a certain amount of credit records in the past six months. Therefore, if the credit information is only kept for 3 months, there may be cases where the credit information has not been recovered. At this point, the user may not be able to apply for a loan and pass the loan review at this time. Credit information has been maintained for more than 6 months, and there is no new credit information record during this period. After applying for a loan, the chances of the loan being approved will increase.
Credit information is wasted because there are a large number of inquiry records in credit information, which are generally loan approval inquiry records and credit card approval inquiry records. Therefore, during the credit period, users are not allowed to apply for credit business. After 6 months or more, the user still failed to pass the audit due to credit problems. Please continue to take the time to improve your credit information.
Different loans have different requirements for credit reporting. Some loans have stricter requirements for credit reporting, and users can't apply until the credit reporting is fully restored.
It will take several months to improve the credit, and it will not affect the mortgage.
More than three months, six months is more reliable.
1. For example, if I spent money on credit investigation and kept it for 3 months without overdue records, and didn't apply for loans and credit cards during this period, the credit investigation should have recovered well, and it won't have much impact on the continued loan. As long as the lender meets the conditions in other aspects, there is basically no big problem in meeting the comprehensive score.
2. For example, if the credit information is overdue, keeping it for three months will not eliminate the bad credit, and continuing to apply for a loan may still be rejected. It is best for the borrower to suspend the loan application and repay the credit business on time for two years. The impact of overdue will be less, and the chances of continuing the loan will be higher.
How many months is the credit overdue?
Credit investigation has been spent, and there is no overdue record for credit investigation. Generally speaking, the maintenance needs at least 3 months, that is, no credit business will be handled within 3 months, and it would be better if it can be maintained for more than 6 months. In fact, the credit report will only show the inquiry records of the last two years, and the inquiry records of more than two years will be automatically hidden. Therefore, it takes about 2 years for users to fully recover their credit information.
Strictly speaking, it is not bad credit reporting that credit reporting is spoiled. Bad credit investigation is caused by bad credit records and too many inquiry records. At this time, as long as the number of inquiry records is well controlled, the credit investigation can be effectively restored. Please do not handle any credit business within 3 months or 6 months after the user's credit information is wasted. If the effect is not obvious, please delay the time of not handling credit business.
In addition, in the process of credit consumption, users' credit business audit will become more stringent, and only a few users can pass the audit, and most users can't pass the audit.