1. Bad credit information caused by false information.

This situation is mainly because there is something wrong with the registered personal information, and the information filled in is not true with the actual situation, such as age, marital status, personal education and other information. Once found, you can go to the credit information center of the local central bank to file an objection application. Generally, you can get a reply within 15 working days.

2. Bad credit report due to forged loans.

If you find yourself burdened with loans for no reason, find the loan bank, communicate with it as soon as possible, and actively negotiate with the bank after reflecting the situation. If the situation is serious, you can report it to the public security organ and ask the bank to bear the corresponding legal responsibility caused by "lax review"

3. Bad credit caused by overdue.

If the bad credit caused by overdue is not serious, you can still get some loans. However, in order to eliminate the bad records in the credit report, in addition to actively paying off overdue debts, interest and handling fees, we should also maintain good consumption and repayment habits. After five years, bad credit records will be automatically eliminated.

Second, the adverse consequences of personal credit records

1. Restricted transportation: you can't choose the second-class cabin of the plane or above, and the trains and ships are soft sleepers.

2. Limit high consumption in hotels, hotels, nightclubs, golf courses and other places above the star level.

3, limit the payment of high premiums to buy insurance wealth management products.

4. Restrict online purchases of luxury goods

5. Restrict loan applications

6, limit the rental of high-end office buildings, hotels, apartments and other places to work.

7. You can't apply for a credit card any more.

8. Restrict the purchase of non-operating vehicles.

9. Restrict children from attending private schools with high fees.

Extended data:

Credit card overdue solution:

1. If the cardholder forgets to repay and finds it overdue, he must repay as soon as possible, preferably in full. Call the bank's credit card center and declare the non-malicious arrears. If the overdue time is short, the bank may not calculate the bad record;

2. When the credit card cannot be repaid due to unemployment, illness and other reasons, before the repayment period, the cardholder should take the initiative to get in touch with the bank credit card center to explain his financial situation, declare that he is not in bad faith, and apply for deferred repayment or installment repayment;

3. When the cardholder voluntarily applies for deferred repayment, the bank will often agree to defer repayment, and the bank and the cardholder will agree on a repayment plan acceptable to both parties. In this way, the bank will not record bad records, but it must repay on time after applying for an extension;

4. Credit card repayment information The central bank's credit information system rolls for 24 months, and the credit card overdue repayment record will be kept in the credit information system for two years. If the card is found to be cancelled directly after it is overdue, the information will not scroll, but will be kept for a long time. Therefore, after the cardholder is overdue, it is best not to cancel the credit card immediately. It is best to stick to it for more than 2 years and then maintain a good credit record.

References:

Personal credit information Baidu Encyclopedia