1. Pay off a large debt
Paying off large debts will reduce the biggest debt loophole and save interest. Personal credit score is greatly influenced by current debt. The smaller the total amount of circulating debt, the higher the credit score.
2. Cancel unused credit cards in time.
Many people don't really need to get a card, but are attracted by the gifts sent by the card, or help relatives and friends complete their work tasks. After completing the card, they will default on the annual fee. So, cancel the unused credit card quickly.
Repay the loan on time
Loan repayment records account for 35% of credit records, even if there is only one overdue repayment record, it will greatly affect personal credit records. Credit cards that people often come into contact with, such as white stripes and ant flowers, are all lending platforms. After borrowing from these platforms, the repayment must be made before the stipulated repayment date. Even if you can't repay in full, you should repay the minimum repayment amount on time and pay interest.
4. Eliminate the bad records of personal credit report in time.
The contents of personal credit report mainly include personal basic information, credit information and non-bank information. This information will affect individuals' lending in financial institutions. For example, when a bank handles a personal mortgage, it needs to look at the credit report. If the credit status is good, it may get preferential treatment; Those with overdue records may increase their prices or even fail to apply for loans.
Apply for a small loan
Try to apply for a short-term low-amount loan, and then repay it on schedule. When the loan is settled, the personal credit record will get better.
6. Get some bank cards with strict audit.
Bank of China and Industrial and Commercial Bank of China have strict checks on cards, such as gold and platinum cards. Only people with certain economic strength and excellent personal credit can apply. Therefore, having these cards shows that personal credit is good enough.