The first is the personal credit red line of "three troubles and six".

The so-called "three times in a row, six times in a row" means that in the past two years, the repayment has been overdue for three consecutive months or accumulated six times, which is a widely used personal credit red line in the industry. Once touched, personal loans and credit card applications will not be accepted for at least five years.

Two, in the process of housing, automobile mortgage, there are 2 to 3 months overdue or non repayment records;

Three, the annual interest rate in loans overdue increased, and the monthly payment was still paid according to the original amount, resulting in overdue interest;

4. When providing a guarantee for a third party, the third party fails to repay the loan on time;

Five, the student loan is not repaid.

6. The debt is too high, for example, there have been loans before, and the loan amount is large, accounting for 70%-80% of the income;

7. Personal credit information has been inquired by others for many times;

Eight, whether the spouse's credit is good also has a greater impact;

Nine, public records have bad records (as well as housing provident fund, utilities, telecommunications fees and other repayment and payment).

These are most behaviors that affect credit reporting. Credit information is really important, and it will also affect children's education and buying a house, so please cherish and protect your personal credit information record. Hope to adopt