1. According to the information released by Querylulin.com, credit records cannot have too many overdue records. Generally speaking, the number of overdue debts cannot exceed 4 times, and there must be no overdue debts during the inquiry period (that is, they have not been settled at the time of recruitment), which are considered "bad debt" liabilities.

2. There should not be too many credit cards, loans and debts in the credit report.

3. If the number of credit card accounts exceeds 5, or the amount of bank loans is too high, the bank will consider the job seeker's debt ratio to be too high and not suitable for employment.

4. There should not be too many external guarantees in the credit report. Credit reporting is an activity in which a professional, independent third-party agency establishes credit files for individuals or enterprises, collects and objectively records their credit information in accordance with the law, and provides external credit information services in accordance with the law. It provides professional credit institutions with A platform for sharing credit information.