Having a good personal credit record is like having "credit collateral". Banks can rest assured that there may be more preferential loans in terms of scale, term and expected annualized interest rate. If an individual's credit report is flawed, the bank will carefully consider whether to accept the individual's application and cancel the discount; And if the personal bad credit record is too much or too serious, and the "credit assets" are too bad, the bank will even directly reject the personal application.

So, how can we have a good personal credit record? First of all, we should actively establish personal credit records, because blank personal credit records do not mean good personal credit; The easiest way to establish a personal credit record is to apply for a loan or credit card. Secondly, we should pay back on time and pay attention to personal credit records to prevent mistakes in credit reporting.

1. Actively establish personal credit records.

Not borrowing money from the bank does not mean credit, because the bank can't judge your credit status. The easiest way to take the initiative to have a loan relationship with a bank is to apply for a loan or credit card from the bank.

2. Return the loan and credit card on time.

You need to repay in time according to the repayment plan provided by the bank, and the credit card is overdrawn. If you are accidentally in arrears, please pay off the arrears as soon as possible. Otherwise, the overdue repayment will be reflected in your credit report, which will adversely affect your credit activities.

3. Pay attention to personal credit records

In some special cases, the credit report information may be wrong. Once you find that there is something wrong with your credit record, you should contact the institution that provides the credit report as soon as possible and correct the wrong information in time to avoid being adversely affected.

Once a loan or credit card is defaulted, there will always be a credit stain, which will affect the personal credit record? Individuals with overdue repayment records may be rejected by commercial banks when applying for loans or credit cards. But this does not mean that the credit stain will always affect individuals, because banks are more concerned about whether individuals have good repayment habits for several years. If the individual has overdue records many years ago, but the principal and interest have all been returned, the bank may still accept the individual application, and the credit stain will be eliminated after a certain number of years.