The detailed explanation is as follows:
1. Pay off the debt: You paid off the credit card debt in February 10, which means that you have eliminated the bad record, because two years later, your bad record will be cleared by the bank.
2. Possible blacklist: Because of the long-term arrears of several hundred yuan, it may have entered the credit blacklist, and it is impossible to obtain normal loans and credit services.
3. Bad record time: It's 20 13 1 month, and the bank may only see the records from 2007 to 2009 when checking your credit records. Because your credit card has not been used after its expiration, you may not be able to check your credit history in recent years.
4. Use your spouse's credit: If your spouse's credit is always good and has a stable income (at least 6,000 yuan), you can buy a house through her nominal loan.
Summary:
Even if you have many overdue credit card records, if you pay off the debt, you may still buy a house through your spouse's credit loan after a while.
Extended data:
1. Use your spouse's credit: In the case of bad credit, you can try to use your spouse's credit to get a loan. When approving loans, banks should consider the spouse's credit status and stable income, which is helpful to improve the pass rate of loans.
2. Loan to buy a house: Buying a house loan is a common way for people to realize their dream of buying a house when cash is not enough. However, banks will comprehensively consider the borrower's credit status, income and other factors when approving loans, so having a good credit record and stable income will be helpful for loan applications.