It’s a liar.

Lands packaged by shady accounts are usually scammers, so don’t trust them gullibly. If you really have bad credit, you can try to apply for a mortgage or pledge loan. Or wait five years before your credit report is updated before taking out a loan.

The so-called black households are nothing more than two types of people. The first type is those who have no household registration, that is, those who have given birth to a child; the second type are those who have previously applied for credit cards or loans at banks and failed to repay on time, have overdue records, and have bad credit records.