2. Credit information: such as the use records of loans and bank credit cards, which is also the key to information collection;
3. Non-financial liability information: for example, mobile communication costs;
4. Public information: such as the payment information of housing provident fund;
5. Inquire about information: inquire about the information records of credit reports recently.
The above is the information collected by the credit bureau, including relevant contents.
What are the restrictions on bad credit reporting?
1. Serious overdue may lead to insufficient comprehensive score of the bank: personal loans overdue information is specially recorded in the credit report. If the user borrows money to buy a house, the bank will check the user's loans overdue records. If the user is seriously overdue for three consecutive times, the user's loan application may be rejected;
2. Excessive debt ratio may lead banks to refuse to lend: the credit report will show the total loan amount of users, and banks can calculate the debt ratio of users through data information and personal income certificates. If the user's debt ratio is too high, the user's loan application may also be rejected;
3. Other bad credit records may not pass the loan application: if the personal credit report involves judgment cases and execution records, it is not a big problem if such contents do not involve social and economic disputes. If the circumstances are serious or involve social and economic disputes, financial enterprises will think that users have shortcomings in credit reporting;
4. Too many institutional inspections may cause banks to refuse to lend money: there are also inspection records in the credit report. The inspection here means that the credit risk management records of banks or other lending institutions reflect the applicant's loan application records in recent years. If the frequency of inspection is too high, it means that the more anxious the buyer's assets are, the bank may refuse the buyer's loan application.
How to Eliminate Bank loans overdue Credit Information
The credit record of loans overdue Bank cannot be erased manually, and it can only be erased after five years unless the user pays off the loan and keeps a good repayment record. In these five years, users should also maintain good credit habits. This paper mainly writes about the information collected by credit reporting agencies, including relevant knowledge points, and the content is for reference only.