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For many people, under normal circumstances, they will not check their own credit report, so they will think that they have never been overdue, so the credit report must be improved. However, in recent years, many people have been rejected by banks and financial institutions because of credit problems, so why are they blacklisted without overdue? The reason for this is the following：
1, check the credit repeatedly. Although we often say that it doesn't matter to check the credit, it will still have a certain impact if we always take the initiative to check or be queried. Because generally speaking, there is no need for credit reporting. In general, you can check 1-2 times a year. If the number of inquiries is frequent, it must be related to the credit business, or you have recently applied for a small private loan. You want to check whether there is any overdue record by checking the credit information. In short, no matter what happens, don't check the credit information too much.
2. A special deal has been reached. Please check the credit information. If there are some special transaction information, mainly "bad debts" and "frozen". To attract enough attention, excessive repayment of credit cards may lead to bad debts. (Note: "bad debts": long-term untreated bad debts; "Freezing": The account was sealed up by the court. )
3. Public information. In recent years, with people paying more and more attention to credit, unpaid water, electricity, gas, student loans and mobile phone arrears may also lead to bad credit. After all, this is also an important proof of integrity.
4. White households, many newly graduated college students, have blank credit reports, and applications for mortgages are easily rejected. I suggest that you can properly submit a credit report at the school stage, such as applying for a campus credit card and applying for a student loan, so that the bank can know that your integrity is high, and then you can get a loan smoothly.
It can be seen that in order to maintain a good credit, when using credit cards and loans, we should pay attention to timely repayment, avoid overdue situations, avoid bad behaviors such as cashing out, and do not handle credit cards and loans frequently.