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What's wrong with the failure of bank loan credit investigation? What behavior will lead to bad cred

Buying a house is a big deal. We have worked hard to pay for the mortgage. If we are rejected at this time, we have to get angry. Why on earth was rejected? The key point is your credit investigation!

The following behaviors will lead to bad credit investigation?

'three in a row, six in a row '

'three consecutive and six accumulated 'means that the lender has overdue repayment for three consecutive months or six times in total within two years. Congratulations on meeting this standard. You have been included in the bad credit list by the bank. This list will follow you for 3-7 years. During this period, the loan application will be affected. The bank may raise the lending interest rate, reduce the lending amount, or even directly refuse your loan application.

'even three accumulated six' is mainly for personal loans, and xyk period is generally not included. Among them, the nature of "three in a row" is worse than that of "six in a row", which belongs to vicious arrears. Banks include such personnel in the dangerous list, and basically have a very small chance of success in applying for loans again.

Bad debts

It refers to the accounts receivable that have passed the repayment period, can not be recovered after collection, and are in a stagnant state for a long time, which may become bad debts. " Bad debts mostly appear in credit card accounts, so for card users, please pay attention to whether your credit card account debt has been paid off and whether there is a balance.

When your credit card is not used for a long time, both debt and balance will become 'bad debts'. One 'bad debt' = 50 'overdue' in the credit investigation record. When banks see the word 'bad debt', they will directly return the application, which is self-evident.

Frequently query credit report

Xiaobian has always mentioned before that in a short period of time, many loan institutions have inquired about the credit investigation records (I have nothing to do with my inquiry, and the institutional inquiry will affect the credit investigation). The bank determines that you are in urgent need of money recently, doubts whether you can repay on time, and then refuses the credit application.

Unpaid water and electricity charges

There are people who owe water, electricity, gas and property fees & hellip& hellip; As long as the living payment that can be owed is in arrears, and the door is not opened when the neighborhood committee calls for collection. In the past, these behaviors were not included in the credit investigation records of the central bank, but they may be included in the scope of official credit investigation later.

'sleep 'card not processed

As long as you apply for a credit card, no matter whether the applicant opens an account or not, it will appear in the personal credit investigation system. Later, if you want to apply for a credit card of the bank again, it will be affected to a certain extent. Some specific credit cards, whether you open an account or not, will incur an annual fee. If you neglect this, they will be overdue and have a bad record.

Unpaid insurance premium

If the overdue payment of insurance is not made up for more than three months, in addition to the suspension of the effectiveness of the policy, it may also be submitted by the insurance company. In addition, social security and provident fund deposit records are also important data for assessing personal credit investigation.

Guarantee liability

Sometimes users guarantee loans for others for the sake of friends' morality or other reasons, but the guaranteed has no money to repay and runs away. As a guarantor, they will be jointly and severally liable. If they do not bear the guarantee liability, it will become a stain on the credit investigation record.

The interest rate was raised and the monthly supply remained unchanged

After the increase of the loan interest rate, the interest rate of the outstanding part of the loan will be adjusted accordingly, and the "monthly payment" will still be paid according to the original amount, which will lead to overdue interest arrears, which is also common.

Information is misused

In the current society, it is common for personal information to be stolen, which is a sign of danger, which means that your own personal information is also in an extremely unsafe state. If your information is used by criminals to do illegal things, the bad record will be recorded on your head. Therefore, when there is a problem in the query of credit investigation records, we must check the situation with the bank to avoid loopholes.

In order to protect our rights and interests, we need to take some defensive measures. Protect the personal ID card and the copy. When the copy is handed over to others, it shall be indicated that "re copy is invalid" or "only for XXXX" to avoid being used by others.

How important is the credit list and credit record?

Paying back the loan on time and having a good credit record is very popular with banks, which shows that your credit is very high, the risk of the bank borrowing money is reduced, and the bank is very willing to lend money to you. A good credit record is a prerequisite for applying for a loan. Different banks have different credit requirements for different loan types. Generally, car money requires a credit rating of more than three levels, Credit loans require credit rating above grade 2; It is difficult for borrowers with serious overdue credit investigation to get loans. If they appear in the blacklist of credit investigation, it means that your credit is bankrupt and the bank dare not lend to you.

How to query personal credit records? Log in to the 'credit investigation center of the people's Bank of China' and follow the steps to query. People who are about to buy a house should inquire in advance to understand their credit investigation, so as not to be rejected by the bank, and it will be too late to analyze again!