Credit information is very important to everyone. Credit information represents personal credit. People with good credit information will have a very high pass rate in handling loans at banks or online lending platforms.
However, it is not so easy to apply for a loan because there is a black record in the credit investigation. If it becomes a black credit, how can it be recovered? What should I pay attention to?
There are many reasons leading to poor credit information, such as multiple overdue, long overdue time, repeated collection and refusal to return, etc. If users borrow from multiple lending platforms, credit information may be worse. Let's analyze it in detail.
1, overdue for many times.
Because overdue affects credit reporting mainly because of repayment in banks or online lending platforms in loans overdue and the use of credit cards, some online lending platforms now collect credit at meetings, and overdue will also be displayed in the credit reporting.
Generally speaking, if the accumulated overdue times reach 6 times, it will be regarded as a seriously overdue user, so it will become a credit black account. So be sure to repay on time after using a credit card or loan.
2. The overdue time is too long
After using a credit card or loan, you should repay the loan according to the regulations of the bank. If there is a problem with repayment, you must contact the platform customer service in time and repay as soon as possible. The overdue time cannot exceed three months, otherwise it is a severely overdue user.
3. Repeated overdue refusal to repay.
After loans overdue, he will receive a collection call from the platform. After repeated collection, the debtor still refuses to repay, and he will become a credit black account.
4. Credit inquiry has been made many times.
When handling a loan, the platform will inquire about personal credit information and leave a record for each visit. The more records, the more unfavorable it is to individuals, and it may become a black account for credit investigation.
In these cases, the best solution is repayment. After you become a black account of credit investigation, you should also pay off all the debts in the fastest time, work hard and make money to repay them.
In addition, if you use a credit card, you can continue to use it, but remember to repay it on time, so that you can accumulate your credit. After five years, if all the arrears are paid off, the bad credit records will be automatically eliminated, and the accumulated credit will also be shown in the credit report.