There are 5 taboo behaviors in the credit report, many people don't understand and don't care, in fact, the impact on individuals is very large, let's take a look
1.Overdue returns
If there is a record of overdue or multiple overdue on the credit report, the success rate of applying for a loan at this time is very low, and if it is overdue for more than 90 days, it will be added to the blacklist. If you are overdue, the chances of success are slim.
2.Number of queries
Credit investigation is not only used to record overdue, but also used to assess customer risk, and too many credit inquiries in a short period of time mean that the borrower is extremely risky in the short term. For example, if there are more than 6 times in the credit inquiry record in half a year, the general bank will be very vigilant when it sees this, and whether it can make another payment.
3.High debt
If there is a large amount of arrears that have not been settled, it is difficult to apply for credit cards and loans successfully, and the bank will not only consider personal credit when issuing loans, but also consider according to the applicant's economic situation, income and liabilities, and the ability to repay if the debt is too high will be slightly reduced.
4.Spouse has bad credit information
When applying for a loan, the bank should not only review its own credit information, but also look at the credit information of the spouse, if one party has a bad credit history, it may lead to the failure of the other party to apply for a loan.
5.vouch for others
Don't be stupid to guarantee someone else's loan, the guarantee is jointly and severally liable, if the borrower does not repay the loan in time, then the money will fall on you, not only that, but your credit will also be affected.
It is said that credit is a person's second economic ID card, once there is a problem, the impact is still quite large, whether it is a credit loan or a mortgage, although the mortgage loan has a relaxed credit requirements, but if the credit is too bad, the bank still minds very much. Therefore, in life, we must protect our credit and personal information.