1. Bad credit information caused by false information. After applying for administrative reconsideration, you can get bad credit information caused by false loan information. To a lesser extent, you can directly apply to the local central bank's credit information center for objection. Generally, you can get a reply within 65,438+05 working days. For those who have serious procedures, such as fake loans, you may need to report to the public security organ in addition to consulting the bank, but after all, it is quite easy to get loans after solving the problem of false information.
Second, you can issue non-malicious overdue certificates and other bad credit information caused by unpaid annual fees. Some people's bad credit information is caused by personal overdue repayment, but some people are relatively innocent because they don't understand the credit card regulations, owe annual fees, or the bank deducts money in time for third-party reasons. In case of such bad credit, in addition to actively paying off the arrears, it is also necessary to actively communicate with the bank, explain the reasons clearly, and ask the bank to issue a non-malicious overdue certificate. With this pass, your road to applying for a loan will be unimpeded.
Third, the number of overdue times does not exceed the relevant provisions of bad credit reporting, and banks will lend to different banks as appropriate, and their tolerance for overdue is different. Some are very strict, while others are relatively loose. Generally speaking, you should have a good grasp of the data: you can't be overdue twice in the last three months, three times in the last six months and four times in a year; You can think of it as a red line, which is within the scope of this red line. With considerable income and good repayment ability, banks will still lend as appropriate. And if your overdue is very serious, it is beyond the bank's tolerance. Bian Xiao of Rong360 can only advise you to keep the habit of repaying on time within five years after paying off the debts, and the bad credit record will be automatically eliminated. (Some banks only look at the credit information within two years)
Fourth, you can try a mortgage with bad credit information. If you can't take the road of credit loan, you can also try mortgage loan. Usually, if the value of collateral is high enough, commercial banks or some small loan companies will relax your personal credit conditions. Show real estate, cars, insurance policies and other valuable collateral, even if the credit is not good, it is very likely to get a loan.