1. The loan or credit card account status is displayed as abnormal status such as frozen, stopped payment and bad debts;
2. Credit cards in the last 24 months (Note: the last 24 months refer to credit cards with "cancelled" account status and the last 24 months refer to credit cards with "normal" account status.
Refers to the last 24 months of the settlement year, the same below). G (unsettled account cancellation) or 4 (minimum repayment amount of credit card for 4 consecutive times, overdraft of quasi-credit card for 9 1- 120 days) or above in the repayment status record;
3. Loans in the last 24 months (Note: Loans with the account status of "settled" refer to the inquiry time in the last 24 months, and loans with the account status of "normal" refer to settled.
In the last 24 months (the same below), G (unsettled account cancellation), Z (debt repayment with assets), D (repayment by guarantor) or more than 4 (overdue by 9 1- 120 days) appear in the repayment status record;
4. In the last 24 months, the cumulative number of times that the minimum repayment amount of the credit card has not been paid has exceeded 8 or 3 times (the minimum repayment amount of the credit card has not been paid for 3 consecutive times, and the quasi-credit card has been overdrawn for 6 1-90 days) for more than 2 times;
5. In the repayment status record of the loan in the last 24 months, the accumulated overdue times exceed 8 times or 3 times (6 1-90 days overdue) exceed 2 times;
6. Other individual customers who should enter the prohibited category as determined by the business department.
Question 2: Mr. Credit Information System, what does it mean that the company's credit rating is prohibited and financial institutions will not cooperate with the company?
Question 3: What does it mean that other banks are prohibited from checking credit information? Hurriedly solve the forbidden entry, that is to say, "black households"
Your credit report has a serious bad record, such as credit card or loans overdue that has not been paid for more than 3 months.
When the bank sees that the loans of your other houses are not paid normally, it will definitely not lend you any more, and you are forbidden to borrow from the bank again. This means no entry.
Question 4: What does it mean that the credit report is pulled out of the restricted area?
Question 5: How does the ban on credit information turn to normal? The bank has a record of bad personal loans. The ban on credit information will take several years to normalize, and it will take about seven years.
Question 6: What do you mean by normal, concerned and forbidden entry in personal credit report? Normal means no problem.
Attention means that there are signs of problems that need special attention.
No access, there has been a serious risk problem, and no more loans can be given.
Question 7: How to resume the normal ban as soon as possible means that banks are blacklisted and cannot apply for loans. Bad records in the credit information system can only be kept for 2 years at most, which means that if there are no bad records within 2 years, the credit information system will be readjusted.
If the credit is bad, the credit card should be used continuously for at least two years, and of course it should be repaid in full and on time. Unlike loans, credit cards have "cumulative overdue times/longest overdue period" in the personal credit information system. That is to say, if you are in loans overdue, after a long time, you can still see how many times you are overdue and how long you are overdue. But there is no credit card. There is only one "maximum debt" and the repayment record of nearly 24 months. Many people will cancel their credit cards after they expire. That bad record has always been there, but they can't cancel the card. Continue to use it after overdue repayment, and use good records to erase the bad records for 24 months, and that's all.
Cancellation process (good records should be kept for 24 months):
1. Submit personal data → query personal credit report;
2. Put forward personal credit objection → bank application objection;
3. Fill in the personal credit report objection application form → then the commercial bank submits a "corrected personal credit report";
4. Wait for the personal credit report objection reply from the credit reporting department. If there is no problem, it can be cleared within 5 working days.
Question 8: Personal credit information is prohibited. How to apply for a mortgage? Personal credit information is prohibited and you can't apply for a mortgage. Forbidden refers to being banned by the bank blacklist.
How to remove the blacklist of banks;
Blacklist data is kept in the personal credit information system of the central bank for five years, and negative information such as particularly serious and obviously malicious bankruptcy is kept for ten years. If the retention period exceeds, the negative record will be deleted in the personal credit report;
If your original behavior is too bad, the bank can ask for further tracing (provide relevant certificates, such as unsuccessful visits, malicious fraud, etc. ), that is to say, it will last for five years or even be traced back permanently;
If the non-malicious arrears enter the arc list, you can take the initiative to explain with the bank and negotiate to lift the blacklist.
Question 9: What does the Postal Savings Bank mean by inquiring about credit information? Are the other four major state-owned banks also prohibited? Forbidden type is the worst grade in the credit report, and basically nothing can be done! Credit information is managed by the People's Bank of China, and the situation discovered by the postal service is the same as that of other banks!
Question 10: Personal credit reporting, is this serious? More serious. Your student loan has not been paid back. Credit information is now listed as a restricted area.
Return it quickly