Correct the previous one, your own credit report is clearly written, and it is all in it. In the credit report, some other joint-stock banks kept it in the first month after your first overdue, and did not write overdue and accumulated subsequent overdue. This was the policy for the first two years. As for now, it seems that it is not working, and it is also directly connected.

Let's talk about your loan problem. There is an unwritten thing in the bank now. In the credit report, it is three times and six times. You know, as long as you meet this line, things will be more troublesome.

In other words, it's not that you can't get a loan now, but that you don't have enough collateral and guarantors, and it's not easy for you to get a loan yourself, or you can wait five years to get rid of bad credit reports, or just be a guarantor.

Besides, I don't need money to check my credit at the People's Bank. You will know when you check it.