Trust is closely related to our life. From buying a house to going abroad, a large number of institutions will refer to your credit report. Credit report, like an intangible asset, occupies a place in all aspects of our lives and affects our lives all the time. More and more people have reached a consensus that credit reports are an asset in credit unions.
If you have the following six credit records, it is easy to lose the loan qualification. Come and find out right away!
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Lending institutions, including banks, will check the credit reports of loan applicants, and generally check the credit records within two years. In the record of these two years, the bank has always adhered to the principle of "three links".
The so-called "three consecutive times, six consecutive times" means that in the last two years, it has not been repaid for three consecutive months and has not been repaid for six consecutive months.
I'm sorry, if there is "three consecutive" behavior in your credit history, your loan application is easily rejected.
overdue repayment
Three transgressions and six times, you check the credit history of the last two years, and the overdue time is unlimited. Even three years ago, even five years ago, even longer, as long as you don't pay back the money, the record will always exist.
Overdue repayment is also called "bad debt". Remember never to have bad debts. If you do, it will be difficult to refinance.
Too many questions.
As many people know, credit information can't be inquired too much. Asking too many questions will also affect the loan application and even be rejected directly.
How many times will the credit inquiry affect the loan application?
Generally speaking, being inquired more than 6 times in half a year will affect the loan application. If the inquiry exceeds 10 times, the bank may refuse the loan.
Overdue credit interruption
Some people accidentally overdue loans or credit cards. After the repayment is overdue, I don't think I need a loan or a credit card, and my credit record will be improved. But is this really the case?
Doing so can only be counterproductive. If you don't make a loan or use a credit card within the time limit, your credit history will be interrupted and you can only see the last overdue situation. The bank can't judge your later credit information and repayment ability, and will choose to refuse the loan.
Overoverdraft of credit card
Nowadays, many people have some large credit cards with a credit limit of 65,438+10,000,200,000 or even higher. Because of the high limit, many people have a lot of credit card overdrafts, but we don't know that too high a credit card limit will also affect loan applications.
Large consumer loans are not settled.
At the end of last year, the state severely cracked down on "down payment loans" and strictly investigated the inflow of "consumer loans" into the real estate market. Affected by the policy, banks listed large consumer loans as inspection items when reviewing loans.
Large consumer loans are not settled, and the application for mortgage is directly rejected; Other loan applications will also be affected to varying degrees.
How do we keep good credit information?
In fact, if you do the following, you can have a good credit report.
Avoid applying for credit cards frequently.
Frequent credit card applications will lead to loan rejection, because each credit card application will generate a credit card approval inquiry record (some banks will not handle a second card).
The more applications, the more inquiries. However, general banks have clear regulations on the number of credit card inquiries, and generally cannot exceed 4 times in two months. If it is more than four times in two months, it will directly lead to the rejection of credit card loans, and the credit card loans applied to this bank within six months after rejection will also be rejected with a high probability.
After all, there is an old saying that "emergency does not save the poor". Although banks are not capitalists, they are not philanthropists. They also issue credit cards and loans according to users' qualifications. If you make a lot of inquiries in the credit report recently, it will give the bank an impression that you are short of money recently. To this end, they will consider the issue of risk. After all, the credit cards and money issued are also intended to be recovered.
Pay back the money on time, don't be late.
The most important point of a good credit investigation is what everyone has always emphasized: don't be overdue! Don't be overdue! Don't be overdue! (Important things are said three times) Once it is overdue, it will become a stain on the credit report; The severity of overdue will even be directly pulled into the blacklist of credit information.
Some people think that it doesn't matter if their credit card or online loan is overdue for a few days. They owed dozens of dollars and paid them all back. That's wrong!
Although you don't have a late fee, there is a fine. Moreover, interest will be charged if overdue, and the most important thing is that overdue behavior will also be recorded in the personal credit report. Once the personal credit report appears credit stain, no matter how much money it costs, it can't be erased.
Some people say that loans overdue forgot to return it for a few days and returned it afterwards. In this case, will they be unable to apply for credit cards and loans in the future?
If it is only a few days overdue, it will have little impact, but if it is a few days overdue every month or every few days, it will have an impact. Overdue for more than one month, you can't apply for any loans and credit cards in that year. If you say that you have forgotten for a month, it is basically impossible, because if you are only a few days overdue, a bank staff member will contact you to remind you that it is overdue. Forget it for a month. The bank won.
Unused or inactive credit cards will be closed in time.
Some credit cards charge an annual fee once they are issued. If they are not activated and used, they will expire. In severe cases, it will even be overdue for more than 3 months or even 6 months. At this time, it will enter the grey list of banks, and bank applications for half a year or even longer will be directly rejected. At the same time, it will be recorded in the credit information system, and other banks will also use this as a reference when issuing cards.
Not applicable during litigation.
A boss sued someone for a contract dispute. When applying for a loan, he has good credit information and assets. Why can't he apply? In fact, it is because of the lawsuit!
The purpose of bank loans is to earn some interest. But if there is a lawsuit at the time of application, the bank will consider the risk. After all, banks don't want to go to court with borrowers in the future, which will consume energy and cost. Therefore, if there is a lawsuit, it is best not to apply for credit cards and loans. After all, there will be more inquiries and you can apply after the case is closed.
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Have time to do the necessary credit inquiry yourself and know your own situation.
Everyone has the opportunity to check the credit history at the counter for free twice a year. Find time to check and print it out to see if there is any overdue phenomenon or wrong credit record, and deal with it in time to eliminate the overdue influence as soon as possible.
If you are usually busy and don't have time to go to the counter for personal credit inquiry, I suggest you can check your credit record in time through online inquiry.
I hope some of the above suggestions can help you improve your credit information.
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