With the economic conditions becoming more and more active, online loans and credit cards and other consumption patterns have been integrated into our daily life, but many people have been on credit investigation due to bad repayment records, so how to eliminate the credit stain?
How to eliminate the credit stain
Many people don't have a strong sense of personal credit investigation, so they defile their personal credit investigation when they don't care! It's better that they don't pay back the overdue credit card, or forget the repayment date because of their negligence, etc., which will stain the credit investigation. However, these stains can only be eliminated within 5 years. In fact, learning these four moves can be improved in advance without waiting for 5 years Now.
1. Supplementary certificate
If you have any objection to the bad credit records, you can provide financial institutions with "non malicious overdue certificate", "loan use certificate", etc., to prove that your behavior is not wrong or the wrong behavior is not serious. For example, the bad records caused by annual fees; the bad records caused by small amount of debt, short-term and late repayment; the bad records caused by information embezzlement and misuse, etc.
2. Accumulate credit
If you can use the credit card under your name, you must use it. At present, credit card is a very good credit accumulation tool, which can help you quickly generate a good loan record, so as to cover up the past stains. Frequent use of credit card, and repayment on time, in fact, is to constantly borrow money from the bank in disguise to repay money, credit rating gradually improved. Therefore, we should not only have credit cards, but also try to use them where we can.
3. Accumulate private credit
"Private credit" means credit union. The arrival of credit union makes financial institutions, whether inside or outside the system, and whether individuals are included in the bank's credit records, unable to escape the gradually improved credit system of the country. After its establishment, the trust Union has gained more and more influence and has been widely recognized. Therefore, we can use good folk credit to 'cover up' ourselves. In our daily life, we must strive to improve our sesame score, Tencent credit score, Jingdong Xiaobai score, Qianhai credit score, koala credit score, etc.
4. Accumulate wealth
Compared with credit loans, if you can show your strong economic strength to financial institutions, then you can make up for the previous credit stain. When you make a loan, you can provide a large number of collateral, pledged goods or powerful guarantors to gain the trust of the institution through mortgage, and also improve the possibility of lending.