If there are negative records in your credit report at present, the first is to avoid new negative records, and the second is to re-establish your personal credit record as soon as possible.
Details are as follows:
1. Maintain high-quality records: maintain high-quality credit records for a long time after bad records occur.
Second, quickly pay off the arrears: quickly return the corresponding arrears with bad records. Non-malicious overdue, after paying off the arrears, you can contact the bank staff to explain the reasons, and the bank will issue a "non-malicious overdue" certificate to maintain a good credit record.
Third, do not cancel the credit card: only by not canceling the card can we provide a new credit record for a long time, and the new record will overwrite the original bad record. According to the regulations of the bank, you can't apply for a mortgage if your credit card is overdue three times in a row and six times in two years. Some banks will also review the credit records for more than two years or stipulate that if they are overdue for more than 90 days at a time, they will not be eligible for loans.
Extended data
Personal comprehensive credit score refers to the comprehensive investigation of the internal and external subjective and objective environment that affects individuals and their families by using scientific and rigorous analysis methods, and the comprehensive judgment and evaluation of their ability to fulfill various economic commitments.
The scoring model selects more than forty variables related to personal credit, which are divided into four categories: personal basic information, bank credit information, personal payment information and personal fund status. Among them, the weight of bank credit information is the largest, close to 50%, and the other three categories are roughly equal.
At present, only 25% of the total population have bank credit records in the database of the credit information system. Because bank credit information is the most important variable affecting personal credit status, for customers without bank credit records, the model selects other variables related to bank credit instead. In the future, with the gradual improvement of data, we will add more variables to the model to continuously improve the accuracy, precision and universality of the model.