Sang Sang's cousin wants to buy a house recently, and everyone knows that it is basically impossible to buy a house in full now. So my cousin went to the bank to apply for a house loan.

Not long ago, she got a new job with a monthly income of 20 thousand yuan. She thought it would be safe to apply for a commercial loan of10.5 million and a provident fund loan of 500,000, and there was no problem.

Unexpectedly, she was rejected. Cousin, that's a heart plug. The house that I finally looked at will fly like this. . . Why on earth is this? ! !

Sang sang carefully looked at the whole process of applying for a loan and found that it was because she had a credit card that had not been used for a long time. At that time, she didn't pay attention to paying back 2 cents, and she never checked it again. Late payment has been hanging on her credit report.

It can be seen that in today's big data penetration, a negligence of credit information can affect the lifelong event of buying a house. Therefore, it is also important to know which behaviors will affect credit reporting.

So, what exactly is a credit record? What does it do? What behavior will produce bad credit information? What is the impact of bad credit reporting? What should we do once bad credit information is generated? We will make it clear in an article today.

1

What is a credit report?

Credit records come from the credit information system of China People's Bank. By 2065438+June 2009, this system has included the credit information of 990 million natural persons in China, becoming the largest credit information system in the world.

Personal credit information system includes personal credit report, personal credit file and personal credit score, which is a summary of information to evaluate personal credit value and objectively record personal credit history. It is called "the second ID card".

Personal credit information includes loan performance records in financial institutions (banks, small loan companies, financial institutions, ant loans, small loans, etc.). ) and individuals, credit purchase performance records with enterprises and institutions, payment records of provident fund and social security, and various tax arrears information, commendation records, court information, administrative law enforcement information, etc.

In the past, due to the imperfect credit information system, many people evaded the bank's examination by making false declarations and concealing debts. However, with the application of the national unified credit information system, there will be fewer and fewer opportunities to exploit the loopholes in loan approval in the future. Dishonesty and dishonest behavior will inevitably become more and more obvious.

2

What behavior will cause bad credit?

So, what kind of behavior will lead to a bad credit record?

The biggest and most direct reason for bad credit reporting is not paying back the money.

For example, if the credit card is overdue for three times in a row (or six times in two years), and the monthly mortgage and car loan are overdue for two to three months or unpaid, it will be recorded in the bad credit record.

In addition, student loans are not repaid in arrears, credit cards are overdrawn, personal credit cards are cashed out, and debts are not repaid in commercial transactions. ...

Of course, I believe that most of my friends will not owe money maliciously. More often, people behave themselves, and every month, they are afraid of getting a bad credit report.

Sometimes people don't mean it, but often we accidentally leave a "criminal record." The credit information system has covered all aspects of our lives and will be more detailed in the future.

The following behaviors are common but unintentional types of bad credit reports:

Loans and credit cards are overdue. Any loan from a financial institution will be recorded. ※. If this happens continuously within a certain period of time, such as the lender's "three consecutive times", the bank will put the borrower on the list of bad credit reports. The so-called "three consecutive times, six consecutive times" refers to three consecutive times or accumulated overdue repayment within two years.

The significance of three consecutive repayments is that, for example, the repayment period of a fund is one month and there is no repayment for three consecutive months; A total of six times means that it is overdue once, returned and overdue again. This has happened six times. This list will track individuals for about five years, during which the loan application will be affected. Banks may raise the loan interest rate, reduce the loan amount, or even reject the loan application directly.

If the credit card is overdue only once or twice, the bank will not refuse the loan, but it may raise the loan interest rate. If the credit card is overdue three or six times in a row within two years, you will not be able to get a loan. If the applicant can provide evidence and proof of unintentional overdue, some banks may be lenient.

※ If the "Sleep Credit Card" is activated, it will not be used, and the annual fee will be overdue. In addition to the overdue situation of credit cards in use, there is another situation that many people will ignore-there is no activated credit card, and most of these credit cards charge an annual fee. Therefore, when handling a credit card, the cardholder must know how to limit the annual fee of the card. Don't be ignorant, have a little knowledge. By the time he finds out, it may have produced overdue and bad records.

If criminals obtain the personal information of cardholders, they may also do something illegal to use the cardholder's information. For cardholders, it is safer to cancel cards that have not been used for a long time.

Water, electricity, gas and administrative fines are not paid on time. Before, you thought it was nothing to forget to pay the water and electricity bill and the traffic violation fine, which was too big to pull the switch. ※. However, after the new version of the credit report was published in April 19, this small amount of one or two hundred has been related to your loan problem.

Too many times to apply for online loans. In today's technological era, offline loans are gradually replaced by online loans, because online loans are fast and easy! ※! It takes more time to go offline. So someone started to apply for a loan on the mobile phone. There are so many online lending platforms that you can receive them on the same day, mostly between 1000 and 65438+ 10,000. If there are too many applications for online loans, banks will think that you are short of money, and such customers will be classified as high-risk customers. If you want a loan with less money and so high interest, then the bank should really consider the risk!

Mobile phone charges are linked to bank card charges. After the mobile phone was stopped, the relevant formalities were not handled, and it was overdue due to insufficient monthly fee. . is also a very wrong way to collect credit. ※. Remind everyone to untie and go through relevant procedures immediately after the phone is stopped.

Credit card arrears are recorded by others with ID cards or copies of ID cards. ※. There have been cases where the wallet ID card has been stolen, or the ID card has been stolen by others, which needs attention. There may be criminals stealing your credit card through your ID card. The overdue record of the arrears caused by stealing the credit card will be recorded in the personal credit report even if the cardholder operates it himself.

In some cases, after you get your ID card, you will apply for multiple credit cards and swipe your card crazily, and the record of arrears will be recorded in your credit report.

When providing a guarantee for a third party, the third party fails to repay the loan on time. Be careful when dealing with the third party guarantee. ※. There are too many such examples in real life, because "the buddy is loyal" and because the buddy says "just sign your name and don't pay a penny", as a result, the buddy runs away with the money and you become "Lao Lai".

"Keeping cards with cards" and "robbing Peter to pay Paul". Many young people who spend too much will choose to keep cashing in new cards. ※. Not to mention that this snowball will get bigger and bigger. The new version of the credit information set up "the amount that should be repaid in the past six months", which directly made this behavior invisible.

Etc is overdue for more than 30 days. With more and more ETC users, the problem of ETC arrears management has gradually emerged. ※. Recently, the central bank and the China Banking Regulatory Commission jointly announced that ETC arrears for more than 30 days will be recorded in personal credit information.

All of the above are behaviors that will form bad credit information under existing laws and regulations. However, it should be noted that China's social credit system is still developing and improving rapidly. In the future, more personal behaviors will be included in the credit information system.

Always check personal credit reports. ※ Some people ask that personal credit report will also be affected, no way! In official website, the Credit Information Center of China Bank clearly stated in how to manage personal records that it is enough to check the credit information report twice a year. You look too much, and it's no use arousing suspicion. If the bank suspects that you are in a' money panic', then your credit may be discounted. "

In fact, if you understand it carefully, you will understand the logic of banks. Now all loans need to be inquired. If there are frequent personal credit information inquiry records, it means that individuals or financial institutions have checked them, which means that you have submitted loan applications to many banks, and the risk of banks lending you loans will be greater recently. So the credit is really discounted.

In fact, many behaviors have been included in credit information in some cities, and it is only a matter of time before they are extended to the whole country.

For example, in Beijing, violations of public rental housing were included in the credit report. Public rental housing was originally designed to solve the housing needs of low-income families. However, if you sublet or lend public rental housing to prove that your life is not difficult and there are false elements, these should be included in your credit record.

For example, in Nanjing, illegal acts are also included in the credit information system, including the act of smashing the load-bearing wall during interior decoration.

Another example is Shenzhen, where subway evasion three times a year will also be included in the credit information system. It can be seen that even the smallest uncivilized behavior will affect future credit records.

three

Consequences of bad credit report

The consequences of bad credit reporting are far more serious than we thought.

The most direct and most concerned item is mortgage. According to the severity of bad credit, applying for a loan will affect the loan proportion, interest rate and loan life. If the circumstances are serious, they will be blacklisted directly and cannot be loaned.

In addition, the credit blacklist will also affect all aspects of our lives, including:

1, the credit card cannot be processed;

2. The list is synchronized with Sesame Credit, and online shopping is limited;

3. Restrict the payment of high insurance to purchase insurance wealth management products;

4. Traffic is limited: you can't choose a plane; First-class seats for high-speed trains and motor trains; Train soft sleeper; Second-class or above;

5. Restrict the purchase of non-operating vehicles;

6. Limit high consumption in hotels, hotels, nightclubs and other places above the star level;

7. Restrict the leasing of high-end office buildings, hotels, apartments and other office buildings;

8. Restrict children from attending private schools with high fees;

It can be seen that bad credit records not only affect credit, but also affect financial management, travel, car purchase, entrepreneurship, etc., even children's education is no exception! So for the sake of the next generation, protect your credit record.

four

How to eliminate bad records

So once bad credit information is generated, how to eliminate it?

I don't know if you have noticed that there are often small cards distributed by the roadside, or psoriasis advertisements on telephone poles claim that they can "sell bad credit information on a commission basis". There are often strange phone calls, saying that there are "acquaintances" in the bank, and you can spend money to "wash white".

Can you sell bad credit information with money? The answer is no! Spending money to whitewash is a trick to cheat money. The real situation is that personal credit information is managed by the central bank's credit information center in a unified way, and the whole process is computer-operated, and there is no human intervention. In general, no one can eliminate credit records by spending money, finding acquaintances or trusting relationships.

There is also a rumor on the internet that the records of the credit information center can only be kept for five years, so some people are smart, owe money and play dumb, waiting for the five-year period to pass. Is it true?/You don't say.

Wrong. Although it is indeed preserved for five years, the Regulations on the Administration of Credit Information Industry stipulates that the five-year period starts from the date of paying off the arrears. If the arrears are not paid, the bad records will always exist.

If you still owe money, you don't need a credit card. In this way, not only will there be an overdue payment every month, but the amount of arrears will also increase. Once it takes a long time, it is likely to be sued by the bank and judged as malicious arrears. In serious cases, it may be criminally responsible.

What is the correct way to eliminate bad credit information?

1) It is the most basic to settle the arrears and liquidated damages in the first time.

2) Provide non-malicious overdue certificate. If the overdue does occur, but it is caused by negligence, you can go to the bank to issue a non-malicious overdue certificate. Although this can't directly eliminate bad credit records, banks can relax restrictions when lending with non-malicious overdue certificates.

3) Bad records caused by special posts can be eliminated through relevant certificates. Special posts such as medical care, fire fighting and police can be eliminated by the relevant information issued by the unit in the bank if the repayment is delayed due to handling emergencies.

4) raise an objection to the bank. If the ID card is lost or other credit cards are stolen, we can lodge an objection with the bank. We can only provide relevant evidence to prove our innocence, or we can erase the record.

Finally, pay attention to keep the ship going forever. Be careful not to generate bad credit information.

Our social management system and credit information system are getting more and more perfect, which makes "Lao Lai" limited everywhere, which is definitely a good thing. But we ordinary people should also pay attention not to let ourselves suffer because of negligence, which will affect life events such as buying a house or having children go to school.