Because bad debt only means that the overdue debt cannot be collected temporarily, and it has no direct relationship with whether interest will increase. After all, as long as there is an agreed interest rate in the loan contract, interest will start accruing after the loan is successfully borrowed, and interest will not stop accruing until the loan is repaid. If the borrower does not want the interest on bad debts to continue to rise, the most fundamental solution is to quickly raise money to repay the loan. Considering that bad credit debts are usually overdue for more than half a year, and if they are not repaid for such a long time, the interest generated is not a small amount. If the borrower does not have strong financial strength, it will still be difficult to pay it off at once.

What contents does a credit report have?

1. Inquiry records: all recent credit inquiry records. Credit inquiry records are mainly divided into institutional inquiries and personal inquiries. Institutional inquiry records It is the inquiry record of the applicant by the financial institution. The personal inquiry is the credit record that you apply to the central bank for.

2. Loan and credit card information: Simply put, it is the personal debt history and credit card information. and detailed records of credit transactions. From these detailed records, a person's consumption preferences, behavior patterns, and the consumer's intention to get repayment can be used to determine the ability to repay in the future.

3. Non-bank credit: payment status of water, electricity, coal, communications, etc., such as whether the personal mobile phone is in normal condition, whether there are utility arrears, etc.

4. Basic personal information: gender, age, name, work unit, contact address, etc.

5. Objection record: In the event of further disputes, the party being requested for credit can reflect the objectionable part by adding a statement. This also reflects the protection of personal legitimate rights and interests and is helpful for seeking credit. The organization plays an important role in modifying and updating information.

6. Provident fund payment status: The current provident fund payment status and provident fund paying unit will be displayed on the personal credit report.