2 major misunderstandings about credit reporting: 1. If there is no overdue, it is a good credit, and 2. If there are more overdue times, it is a black creditFirst of all, credit is not only overdue, but only said that overdue is a red line, but other things like debts, the number of online loans, credit card usage rate, and the number of inquiries will also be seen, and secondly, bank products are not allowed to be overdue, as long as they are within the range, then overdue can also be accepted
[1] Basic credit reporting requirements
[1] Liabilities
Mortgage loan: As long as the liabilities can be wrapped in assets, or the liabilities exceed 150% of the assets, they can also be accepted, and some products do not look at the liabilities.
Credit: For general office workers, it is best not to exceed 500,000 credit liabilities.
For state-owned enterprises and above, it is best not to exceed 800,000 credit liabilities.
For business operators, the liabilities are determined according to the operation of the enterprise, and the general liabilities should not exceed one year's operating flow.
[2] The number of online loans
No matter what the product is, it is best to control the number of online loans within 5, and if it is exceeded, some products can also be done.
[3] Credit card usage rate
Generally, the credit card usage rate should not exceed 80%, and you can put the money in the card one or two days before the bill date, so that the credit card usage rate will be reduced when the long bill day comes out.
[4] Number of overdue times
It is best not to exceed 3 times in 2 years, and some products require: loans are overdue no more than 5 times, and credit card + loan is overdue no more than 9 times.
For banking products, overdue is a red line.
[5] The number of queriesGenerally speaking, no more than 5 inquiries in 3 months, and some products can not be queried.
[2] What is credit black?
Generally speaking, credit black refers to overdue for more than 3 months in a row and has not repaid the loan, this is a credit black, so it is not overdue to do the loan, but the black household, credit is definitely not done, mortgage loans, there are high-quality real estate, there is remittance**, the people can also do black households, but they need to mortgage the property to them, so, either overdue or black households, it is understandable that there are individual overdue.
Finally, I am Wu Yue who is doing loans in Zhengzhou, I hope you don't need the loan, in case you do, I wish you a good person!