2. The sources of credit data of personal credit investigation agencies include personal identification and authentication information, namely name, gender, ID card, age, marriage and family, address, occupation, education level, etc. This is the most basic project, first determine a person's basic information. Information about personal communication and social words and deeds, such as civil, criminal, administrative litigation judgments, administrative penalties and other information, is one of the measuring points to judge a person's credit record.
3. Personal credit investigation, that is, personal credit records, is a personal credit investigation institution established according to law, which collects personal credit information and then provides it to legal information inquiry institutions according to law to generate personal credit investigation reports. Personal credit report includes personal credit records, personal information, evaluation services and other information, which can visually see the personal credit situation.
If your personal credit record has the following behaviors, you are likely to be rejected when applying for a loan from the bank:
1) At present, it is overdue: if the borrower applies for a loan from the bank and has recently acted in loans overdue, it will be difficult to apply for a loan from the bank again. Banks and other lending institutions hope that the loans released can be recovered in time and be alert to overdue behavior.
2) Three consecutive days and six consecutive days: three consecutive days and six consecutive days, that is, three consecutive months of overdue behavior or accumulated overdue repayment times more than six times. If there is continuous overdue behavior in the credit record, even if the arrears have been paid off, it is difficult to apply for a loan through the bank, because the bank has already doubted your integrity.
3) Excessive debt: If the borrower's debt ratio exceeds 50%, the bank will think that its repayment ability is insufficient and will refuse to lend money in order to recover the loan smoothly. However, it should be noted that different banks have different regulations on the ratio of income to liabilities, and borrowers need detailed consultation.
4) The applicant's spouse has bad credit. If a married person applies for a loan from a bank, the bank will not only review the applicant's information, but also review the applicant's spouse information. If one party has a bad credit record, it is likely that the other party will fail to apply for a loan.