Some possible reasons are simply sorted out, and I hope the public will be cautious.
1, the basic information does not match.
For example, in the Wang Nana incident in Zhoukou, Henan Province, Wang Nana's loan was rejected because of his academic qualifications. She didn't go to college herself, but according to her ID number, she did.
2, mobile phone, water, electricity, gas arrears
In addition to the most common credit card overdraft and personal mortgage repayment in loans overdue, the arrears in daily life can never be ignored, such as mobile phone arrears, water, electricity and gas arrears and so on. If mobile phones, water, electricity and gas are in arrears for a long time, they will be regarded as people with low willingness to repay by banks, thus leaving a bad record and affecting loan applications.
3. Guarantee huge debts for others
When you vouch for others, you must be cautious and do what you can, never exceed your own ability, and you can't use your own real estate and other necessities as collateral! Once others fail to repay on time, personal credit will be tainted!
4. Personal existing liabilities (liabilities account for 70% of income)
Generally speaking, a family's total income is at least twice the debt before the bank agrees to lend. It can be seen that before lending, the borrower must reasonably evaluate the approximate amount he can be approved according to the income-liability ratio stipulated by the bank.
5. The credit report has been inquired many times.
If your credit report is always queried by institutions for credit card approval, guarantee qualification review, loan approval, etc. For a while, then the bank may reject your loan application. It should be reminded that since June 3, 20 14, the central bank's credit information center has charged individuals to inquire about their credit reports. Individuals who inquire about their credit reports for the third time or more every year will be charged 25 yuan service fee each time, and individuals will inquire about their credit reports for free twice a year. Therefore, when inquiring about your personal credit report, you need to pay more attention to whether any institution has checked your credit report without your authorization.