1, the first case: white-note credit account.

Credit white households, because of the blank credit information, lending institutions can not make a clear judgment on your personal credit, and they are very cautious when approving loans and will not lend easily. If you want to apply for a loan successfully, you must provide enough materials to prove that your qualifications are very good and dispel the concerns of lending institutions. Or shop around and look for lending institutions and online lending platforms with lax personal credit cards.

2. The second case: too many times of credit inquiry.

Being queried many times in a short period of time will make banks and other lending institutions feel that you are very short of money during this period, and then be listed as a risk user. There is also the legendary "cyber black". After seven or eight applications a month, they were rejected and then applied. As a result, they are becoming more and more "black" and can no longer apply for loans. The best way is to take a step back and continue to apply after a month or two.

3. The third case: "three troubles and six" is seriously overdue.

Applications for loans and credit cards in traditional financial institutions will be rejected if they have been overdue for more than three consecutive times or accumulated for more than six times in the past two years. For those who are seriously overdue, the best choice is to repay on time, accumulate a good credit record, and then continue to borrow after the bad record is eliminated. If you need money urgently, you can try to borrow money from the online loan platform without looking at the credit information.

Credit investigation is a Chinese vocabulary, which means collecting, sorting, saving and processing the credit information of natural persons, legal persons and other organizations according to law, providing credit reports, credit evaluation, credit information consultation and other services to help customers judge and control credit risks and carry out credit management activities. From Zuo Zhuan Zhao Zhuan Gong Eight Years, "A gentleman keeps his word, so his resentment is far greater than his body". Among them, "collecting by faith" means that the words can be verified to be credible, or the credit can be solicited and verified. Credit investigation is an activity that a professional and independent third-party organization establishes credit files for individuals or enterprises, collects and objectively records their credit information according to law, and provides credit information services to the outside world according to law. It provides a platform for professional credit institutions to share credit information. 2065438+May 2009, new personal credit information was officially released, and the length and fineness of credit information will be further improved.