The first category is that I have never applied for a loan or credit card at all. Typical cases are as follows: others fraudulently use or steal personal identity to obtain credit or credit cards; Some credit cards are handled by units or friends for individuals, but they are not delivered to individuals; I did apply for a loan or credit card, but I forgot.
The second category is that the overdue records of loans or credit cards are inconsistent with the actual situation. There are the following typical situations: personal loans are repaid by the unit, guarantee company or other institutions as agreed, but the unit, guarantee company or other institutions fail to repay in the bank on time, which leads to overdue; Personal credit card has never been used, and it is overdue because it has not paid the annual fee; Individuals don't know the bank's rules for confirming overdue, and they will be overdue unconsciously. For example, the loan contract stipulates repayment on the 20th of each month, but some people think that it is only necessary to repay before the end of the month. As a result, individuals have overdue repayment records every month.
The third category is that personal basic information such as identity, residence and occupation is inconsistent with the actual situation. The information originally filled in by the dissenting applicant in the application materials was incorrect, or the basic information changed later but did not go to the bank to update it in time; Personal credit database updates information once a month, and the system has not yet reached the normal update time.
The fourth category is the objection to the guarantee information. Generally, there are the following situations: an individual's relatives or friends have gone through the guarantee procedures in his own name, but he forgot or didn't know it at all; Poor personal custody of documents leads others to fraudulently use personal documents to handle the guarantee procedures; An individual has guaranteed someone else's loan or credit card application, but he can't remember it.