Yes, there are records of loans, credit cards, guarantees, etc., but all credit records are fulfilled on time and in amount, without any overdue or compensation records, or frequent inquiries. The proportion of the credit card usage limit to the credit limit is low (for example, the average usage limit in six months should not be higher than 60% of the credit limit). A record of using your credit card to make minimum payments is also a sign of a good credit history.

Other credit reports

1. Pure white household.

It refers to a credit report without any credit record. It has never applied for a loan, credit card, guarantee, special merchant identification, etc., and has not checked the credit report. It only prints out the name and ID number. A pure white account is not a credit report that banks like, and the credit rating or scorecard score is very low, because the report user does not get any valuable information from the pure white account report.

2. Ordinary white household.

There is no credit record, but there is an inquiry record. The subject's credit report belongs to an ordinary white account, which credit reporting banks do not like. It is of little value to report users. It is recommended that the subject use some credit products appropriately, such as credit cards. However, it is not recommended to apply for loans or too many credit cards when it is not necessary, it is not recommended to provide guarantees for others at will, and it is not recommended to check credit reports frequently.

3. Normal credit report with default record.

Historically, there have been records of defaults such as overdue loans, but the number of defaults has decreased, the default time has been shorter, and the default amount has been smaller. When banks review and analyze such reports, they have certain negative opinions about the report objects, but they are still acceptable.

The question is, what is a short default period and what is a small default amount? It is like a chef formulating a recipe with a little salt, a little MSG, and an appropriate amount of sugar. This is really a trick. The same is true for credit review. In addition to system review and approval, there will be certain precise rules. When doing manual review and review, everyone has his own rules and makes his own judgment based on his risk preference and industry experience. However, no matter how freely he plays, there are A general rule is that risks are basically controllable.