1. Do a good job in financial planning: evaluate income and expenditure, make a reasonable repayment plan, and minimize daily expenses.
2. Negotiate with creditors: take the initiative to contact creditors, explain the difficulties, and propose repayment arrangements. Strive for preferential conditions such as deferred payment, interest rate adjustment or installment payment.
3. Seek professional help: seek professional advice and help from financial institutions, legal advisers or consumer protection agencies. They can provide you with guidance on relevant laws and regulations and debt handling.
4. Inquire about personal credit status: Get personal credit big data report and comprehensive credit score through third-party big data platforms, such as Qingquan Kuaicha and Eagle Heart Kuaicha. This will help you understand the impact of your credit status and debt problems on your credit rating.
To sum up, it is necessary to formulate solutions according to individual circumstances, actively cooperate with creditors and seek professional help when necessary. Knowing your personal credit status can also help you deal with the debt problem better. Please note that this information is for reference only. Please follow the relevant laws and regulations in actual operation and deal with it according to the specific situation.
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It is very important to know personal credit rating and how to manage debt. We can further study China's credit system and related policies to deepen our understanding of these issues.