To judge whether it is an illegal household, you need to bring your ID card to the local people's bank, ask the bank staff to help you inquire, or print a personal credit report.

1. If the overdue period is serious, it will generally be credited to the bank's black account. If it is overdue in a short time, it will be fine. You can explain it clearly to the bank, and the impact will be small. If it is found that it is a bank black account, it is necessary to ask the specific overdue information, and when the bank left a bad record, so that it was included in the bank black account. Then go to the bank and try to issue a non-malicious overdue certificate, and then eliminate the bad credit record.

Credit information is very important to everyone who wants to borrow money. With a good credit record, you can borrow more low-interest loans. Let people alleviate the urgent need when they need it. The way to judge whether you are a black household: according to your credit history, see if there are "three troubles and six"

What is "three consecutive six"? It means that it has been overdue for three consecutive months, and the cumulative number of overdue times has exceeded six. This is the standard of black households. In this case, it is impossible to get a loan in the bank.

The second depends on whether there is any limit to height. Just can't be a high-speed rail plane, can't spend high, and so on. This situation is not a black household, it is called a faithless person. Also known as Lao Lai.

3. If it is confirmed that it is not caused by my fault, apply for objection and correction to the credit service outlets of the branches of the People's Bank of China. (It usually takes about 20 days. Pay off the loan and interest you owe. After paying off all the loans and interest owed, you can apply to delete the blacklist of credit information. However, with the introduction of the new version of credit information, borrowers must keep five-year consumption and repayment records after paying off their loans before they can apply for credit cards and loans normally.

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The applicant has a history of borrowing, which has been fully paid off, and will also be included in the network big data as proof of the borrower's qualification. As you can imagine, borrowers are generally desperate or involved in underworld background. Whether it is paid off or not will be used as a reference indicator.

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How do I know if I'm a black family?

You want to know if you have a black account mainly by looking at your credit history. Usually, you will not be labeled as a black account in your credit history. Black accounts usually refer to people who are seriously overdue. For those who are overdue, it is not a black account. If you apply for loans and credit cards and are rejected once, it is enough to prove that you are a black account.

Extended data:

Personal credit inquiry:

There are generally two ways to check personal credit information. The first is that customers can inquire online. You can apply for a personal credit information report after you enter your personal information and register your account through the Credit Information Center of China People's Bank. The report will have an electronic version, which customers can keep.

The second way is that customers can go to the central bank or commercial banks authorized by the central bank to print their own credit reports, which can be a short version or a detailed version. Lenders can bring their own identity documents and print reports according to actual needs.

It is worth noting that customers can only print credit reports for free twice a year. If they print more than twice, they need to pay some fees. Customers should also pay attention to this and try not to print personal credit reports at will.

There will be more detailed customer credit records on the credit report, and these loan records will always be kept on the credit report. Of course, as long as the lender is not overdue, these loan records will not have any impact on customers and belong to relatively neutral information.

Checking personal credit information affects credit information:

If customers inquire about their own credit information, this situation will not affect their personal credit information. Because this kind of inquiry is a "soft" inquiry, the credit information will not deteriorate because the customer has checked his own credit information.

Of course, if banks or lending institutions or platforms inquire about customers' personal credit information, there will be more records of such inquiries, which will have a certain impact on customers' personal credit information.

Because the inquiries made by banks or lending institutions and platforms in the name of "credit card approval" and "loan approval" belong to "hard" inquiries, once there are too many records of such inquiries, it is easy to "spend" the customer's credit information. Although there will be no bad credit record in credit investigation, too much credit investigation will also affect customers' subsequent credit business.

If you don't want to "hard" query too many records, then customers should be careful not to apply for too many credit cards and loans at ordinary times, so as not to cause too many platforms to query records in the name of "credit card approval" and "loan approval".

How to check whether you are a credit black account?

You can know whether you are blacklisted or not by querying hundreds of banks' credit information and then checking the scores of network black index in hundreds of banks' credit information.

The sub-standard of Internet blackness index is 0- 100. The higher the score, the better the credit. When the score is less than 40, it belongs to the blacklist.

As a non-governmental credit reporting institution of the central bank, people's credit reporting has complete data and wide application. In our daily life, financial services ranging from free deposit service to auto loans and credit cards are provided by Bai Hang Credit Information.

If the user is blacklisted, not only will the online loan application fail, but even the flowers and loans will be negatively affected, and even serious ones will be closed.

Therefore, those who apply for online loans for a long time should check their credit information in time to prevent credit damage caused by blind application for online loans.

Open wechat search: pine cone tea will do. Click "Query" and enter information to query your own 100-bank credit data, which come from more than 2,000 online lending platforms and UnionPay centers across the country. Users can query their big data and credit status, obtain various indicators, and query their personal credit status, online black index score, blacklist, online loan application record, application platform type, overdue amount, credit card and online loan credit estimated amount and other important data information.

Compared with the central bank's personal credit report, the atmosphere of personal credit record is more extensive, and the publishing institutions are more diverse, such as Songguocha and Sesame Credit Score, which are all part of personal credit record. Generally speaking, it is more similar to the big data credit report on the Internet, which is a useful supplement to the traditional personal credit report.

At present, the country is building an all-round "credit network" with no dead ends. Connecting the society and sharing information, whether it is a credit report or a personal credit record, are all important components. Protect your credit. Credit is the greatest asset and wealth for everyone.

So much for the introduction on how to check the credit card black account.