I believe many people have heard of the words "credit blacklist" or "credit black account", and they all know that once you become a credit black account, applying for loans or credit cards will be affected.
Many people may not know that in fact, white borrowers will also have an impact on loans, so what is a white lender? Why is the white household loan rejected?
A white credit account refers to a user whose personal credit report is blank. The information recorded in each of our personal credit reports is collected by various financial institutions and reported to the central bank's credit information system.
If we have never applied for a credit card or a loan, there will be no credit record left in the personal credit report. Users with blank credit records in the credit report are called "white households".
Many people don't understand. It is understandable that black credit users are rejected for applying for loans due to poor credit information, but why are white households also rejected?
The reason why the loan for white households was rejected is simple. Whether we apply for a loan in a bank or online lending platform, the lending institution will check the borrower's personal credit report. The purpose of inquiring about the credit report is to judge the loan risk from the personal credit record.
If the borrower's personal credit information is blank, the lending institution cannot judge the borrower's personal credit status through the credit report when handling the loan business. Therefore, due to risk control, banks or lending institutions may reject users' loan applications, which is also the reason why white-family loans are easily rejected.
Therefore, if white-loan households want to apply for loan business, it is suggested that they can apply for credit cards first, and then apply for loans. At present, the application threshold for credit cards is not high. Ordinary credit cards usually only require applicants 18 years old or older, and it is easier to do so if they have a stable job and income.
When users have credit cards, they will generate credit data. Cardholders should pay attention to repayment on time after using credit cards, which can provide a good credit record for future loans.