First, a bad credit record does not mean that you can't get a loan. 1 first of all, look at commercial loans: different banks have different regulations on loans with bad credit records under different circumstances: some banks stipulate that whether to lend money depends on the number of overdue times and the highest overdue situation; Some banks also decide whether to apply for loans according to the total number of overdue loans. For example, if the total number exceeds 15, they will not apply for loans. For example, they will not apply for loans after three days of fatigue. Moreover, different banks have different evaluation mechanisms for loan risk control. When dealing with banks, customers who already have bad credit records have a great possibility of successful loans if they can provide rich materials and guarantees and explain the causes of bad credit records. 2. Next, let's look at provident fund loans: In fact, provident fund loans in most cities do not involve overdue records. Beijing and Shanghai Provident Fund Centers clearly stated that the overdue record of credit cards does not affect the application for pure provident fund loans. As long as they meet the conditions of provident fund loans, they are eligible to apply for provident fund loans. Taking Beijing as an example, users need to be given a credit rating of provident fund loans, but this credit rating has nothing to do with overdue credit cards. It is based on the comprehensive evaluation of the central bank's personal loan information, personal occupation, deposit base and provident fund balance. Second, bad credit records are not generated at one time and can never be removed. Everyone knows that food has a shelf life, and bad credit records also have a shelf life. Bad credit records will be cleared after a certain period of validity. Generally speaking, if the loan is repaid in full and on time within five years, the bad credit record will be lifted. But sometimes, even if the bad credit records have passed the validity period, when the bank loan amount is tight, those bad records that are put aside will still become obstacles on the road to applying for loans.

Legal objectivity:

"Several Provisions of the Supreme People's Court Municipality on Publishing the Information of the List of Executed Persons with Breach of Trust" Article 1 If the executed person fails to perform the obligations specified in the effective legal document and has one of the following circumstances, the people's court shall include it in the list of executed persons with bad faith and impose credit punishment according to law: (1) Having the ability to perform and refusing to perform the obligations specified in the effective legal document; (2) Obstructing or resisting execution by forging evidence, violence or threats; (3) evading execution by means of false litigation, false arbitration or concealing or transferring property; (4) Violating the property reporting system; (5) Violating the consumption restriction order; (6) refusing to perform the settlement agreement without justifiable reasons.