What is a small credit reporting company?
The "white account" of credit information refers to never having a credit card and never using a bank loan. It should be noted that white families do not represent blank credit reports. Although a white household's credit report has no records of loans and credit cards, it may contain information such as provident fund, social security, punishment, judgment and inquiry records. The "pure white household" of credit information is that there is no information in the credit information system and personal credit is completely blank. Pure white credit users can query personal credit information on the website of the Credit Information Center. At the time of registration, you will be prompted, "At present, your personal information has not been entered into the system, so you cannot register."
Why is it difficult for white households to apply for loans?
It is difficult for families to apply for loans because their personal credit is "blank". Financial institutions, including banks and small loan companies, judge whether borrowers have repayment ability and willingness through personal credit information when examining whether they can issue loans to borrowers. So when the credit report is empty, the bank will not be able to judge your credit status, so it is difficult to give you a loan, which is also the main reason why it is difficult for white households to apply for a loan.
How do credit users get loans?
1. Get a credit card.
If you want to get a loan, the bank will check your personal credit first, so you need to apply for a credit card and use it to get a credit record.
Apply for a mortgage loan
If you are a senior credit banker and want to get a loan quickly, another way is to provide collateral. In other words, you can use your house, car or other high-value assets as collateral.
The high-profile appearance of collateral is enough to make up for your credit gap and dispel the concerns of financial institutions. In this case, your loan is very likely to succeed. However, it is worth noting that mortgage loans are mostly synonymous with large loans, generally starting from 200,000 yuan. If you want to apply for a small loan, you'd better choose a vehicle as collateral.
3. Provide other supporting documents.
To apply for a loan, you don't just need to show your personal credit information. If you are young, your family will help you buy a house and a car, or you have assets in your name. You can provide these materials completely, and you can easily get a loan from the bank. It is suggested that the first loan should not be applied online, and it is more appropriate to go to the bank counter.
4. Choose the right loan product.
In fact, at present, not all lending institutions can access the central bank's credit information system. In this case, you have to "shop around". For example, lending treasures, IOUs, and microfinance all rely on big data to score users' credit. You can also apply.