The credit report is 20 pages long, but it is not overdue. Is this credit report invalid?

The credit report is 20 pages long, but it is not overdue. Such a credit report cannot be said to be abandoned. It should be said that there are certain advantages and disadvantages, depending on the perspective of financial institutions such as banks on this credit report.

First, it can be seen from a large number of pages of the credit report that users borrow money in their own names more frequently.

If the number of pages of users' credit report is relatively small, there will be fewer loans under such user names, and the pressure on users to bear loans will be relatively small. When banks and other financial institutions see this kind of credit report, the first impression they give users is that they have less debts and less repayment pressure. If the user's income is relatively high and the overall qualification of the user is good, it is a kind of user that banks prefer.

If the number of pages of users' credit reports is large, there will be more loans under such user names, and the repayment pressure of users will be great. When financial institutions such as banks see this kind of credit report, the first feeling is that users are short of money and frequently borrow money, so users will have greater repayment pressure, and financial institutions such as banks will subconsciously think that users have poor repayment ability.

Second, as can be seen from the credit report, there are 20 pages, but they are not overdue, indicating that the user's repayment habits are good.

If the user's credit report has 20 pages, but it is not overdue, it can be directly seen that the user's repayment habit is good. Generally speaking, when there are a lot of loans under the user name, users are prone to overdue. If there is no overdue, then the user's repayment habit is very good, and each loan can be repaid on time, which fully shows that the user's repayment habit is better.

When financial institutions such as banks see that the credit report has 20 pages, but it is not overdue, the initial impression of financial institutions such as banks is that there are more debts under such user names and their repayment ability may be poor. But users can repay on time every time, and banks and other financial institutions will think that customers' repayment habits and repayment ability are still good.

Hello, I'm Lao Xu, a struggling financial worker. Please pay attention to me and discuss financial problems with me!