Bad credit reporting is a general concept, not just one aspect. For example, the credit liabilities are too high, the credit inquiries are too many, and the credit overdue is serious.
1. The credit reporting debt is too high. The user's debt situation is directly linked to the repayment ability. Although some users have high income and a large flow of water, they have high debts, so there is still a great possibility that they will not be able to follow up.
At the time of audit, the debt ratio will be estimated according to the liabilities of users and users. If the debt ratio does not exceed the standard defined by the platform, then you can continue to apply, and vice versa. It is suggested that users with high debts can pay off some small loans in advance to reduce their debts.
2. There are too many credit inquiries. Generally speaking, users have no credit demand, so it is enough to keep the inquiry frequency of 1-2 times a year. Don't make credit inquiry at will, because these inquiry records will be displayed on the personal credit report.
Among them, hard queries such as loan approval query, credit card approval query and guarantee qualification query have great influence, and it is easy to cause users to spend credit information. If the credit investigation has been spent, it is recommended to keep it for a while and not apply for it for the time being.
3. The credit investigation is seriously overdue. If the user is overdue occasionally in the repayment process, or it is settled immediately after the overdue, the impact is relatively small, but there is a current overdue situation, or it is a series of delays, indicating that there has been a serious problem of dishonesty in credit reporting, and it is difficult to apply again. It is recommended to keep good credit at ordinary times and not to overdue it. Once you break your promise, deal with it immediately and don't delay it.
4. White households with credit information: Different from the above-mentioned situations, it is not because of the contents in the credit information report that white households are not able to apply. On the contrary, it is because the credit information report is blank, so the institution cannot verify it and will refuse it because of risk. For this, many users ignore it.
Answer on November 15, 221
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How to solve problems in personal credit reporting?
if you want to apply for a loan or a credit card again after the problem occurs, which will affect the approval of the loan or credit card, you can try the following methods: first, check your personal credit information and pay off the outstanding card overdraft or loan amount after maturity; Second, the proof of non-malicious arrears should be issued by the * * bank with credit card or loans overdue repayment; Third, provide corresponding asset certificates or third-party guarantee documents with guarantee ability and qualification to the card-issuing bank; China People's Bank Credit Hotline: 4-81-8866 Attachment: Proof of non-malicious arrears. This is to certify that * * *, gender: *, ID number: * * * *, the credit card number held by this customer: * * * RMB account has been overdue, * * * has been overdue for * times, and the amount owed is * yuan, mainly Later, due to the failure to receive the short message and telephone dunning from our bank to reissue the new card code * * * * *, the repayment was not made on time. At present, the customer has settled all the arrears of RMB * * *, which is not subjective and malicious. Hereby certify! China * * * * * Bank * * Sub-branch Reference Information Service Platform. Personal Credit Information [reference time: January 17th, 218]
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