How to borrow money if the credit is not good? How can I get a loan if my credit is not good?

There are two main ways to restore credit information, one is time repair, and the other is to directly appeal to the bank for elimination. The information on your personal credit report is retained for 5 years, which means that your bad credit record will be automatically eliminated after 5 years, provided that you pay off the overdue amount and penalty interest in full. The second way is to file a complaint with the bank and submit the relevant proof:

01.If the loan is overdue for a short period of time, contact the bank and do not report to the credit information center

If it is only a short-term overdue, the debtor needs to take the initiative to contact the bank after making up the arrears, and strive not to report it. If the bank reports to the central bank credit information center before contacting the bank to pay off the arrears, the problem is solved, it may not be reported, and there is no problem of overdue records.

02.If the overdue amount exceeds 90 days, the arrears will be paid off and automatically eliminated after 5 years

If you are more than 90 days overdue, you need to pay off your arrears and pay attention to your credit habits. Generally, if it is overdue for more than 90 days, it has been reported to the credit bureau. In addition to paying off the arrears, the debtor usually needs to repay a certain amount of penalty interest.

03.If the force majeure reason is overdue, you can appeal to the bank

If the due date is unexpectedly overdue due to force majeure and other factors, the debtor can file a complaint with the bank and request the bank to issue a "non-malicious overdue certificate". For example, if the repayment cannot be made in time within the repayment period due to special circumstances such as illness or going abroad, resulting in an unexpected overdue, the bank may determine that the overdue is not due to malicious intent. If you can contact the bank to issue a "non-malicious overdue certificate", it will not have an impact on the personal credit report.

04.If the deadline is overdue for non-personal reasons, you can file an "objection application" with the bank

If it is not due to its own reasons, the debtor can file an "objection application" with the central bank. This "overdue" situation may be caused by a system error or a fraudulent loan, so you can contact the relevant overdue bank in time to explain the situation, and then go to the local credit information center of the People's Bank of China to submit an objection application. If it is found to be true, the bad overdue record can be eliminated within 15 working days.

I hope that everyone will cherish their credit and not have serious overdue behavior, because credit is very important to all aspects of life. Even if you have a bad credit record, you must use the right way to solve it.

Make a detailed version of the credit report, understand what the specific problems of your credit report are, and find those who do not pay attention to such problems. The lower the interest, the higher the requirements. If you consult with friends who are doing loans around you, you will avoid many detours.

Don't apply casually! Don't just apply! Don't just apply!

This is not the only criterion, it depends on how bad you are, but if there is currently an overdue one, it will definitely not be possible. If there are three consecutive months in two years, and six months in total, it is generally not possible. In this case, it can only be done for the house.

Many people think that as long as there is a history of late repayment, the loan will inevitably be affected. In fact, many lending institutions stipulate that borrowers can qualify for loans as long as they are overdue no more than 6 times in two years and have not been overdue for more than 90 consecutive days. Therefore, you can check your credit report online or go to the bank to check your credit report on the spot to find out whether your credit situation is in the good category.

Of course, you don't have to worry too much if the overdue record does go beyond the lender's "bottom line". Since credit history is a dynamic process, although it is relatively easy to break, there are ways to repair it. Because the central bank only collects the borrower's repayment information for the past two years, as long as you pay off the arrears in time after the deadline, then your bad credit will be eliminated over time after two years, and you will become a qualified person for a loan.

Five Methods:

1. Reduce the loan amount.

If the credit is not good, it is relatively easy for customers with stable income to apply, if some income is not fixed or salary bills and funds have different cycles, you can also try to borrow by reducing the loan amount, which can not only reduce the risk of the bank, but also reduce the pressure of repayment.

2. Increase co-repayers.

If the husband and wife, father, mother, children and other relatives have good credit, they can apply for repayment together as co-repayers, and only need to issue income certificates together when taking out loans.

3. Increase loan guarantee institutions.

Choose an institution recognized by the bank as our guarantor, and provide some proof of repayment ability for the guarantor. For example, providing collateral such as houses and cars to find a guarantee agency can improve the approval rate.

4. Choose a local bank.

Different banks, different loans, its repayment amount, repayment period, repayment method is also different, bypass the state-owned banks with high credit requirements, choose local commercial banks, because their requirements for credit will generally be lower than other banks, which is also a good choice to improve the loan approval rate.

If you don't have good credit, you can borrow money on the following platforms:

1. Rich to spend: Du Xiaoman's well-known lending platform, you may not know Du Xiaoman! But you must know, I won't talk much about it here! It was called "money to spend" before, and the relationship collapsed in it, and the existence of the T1 team level is reliable!

2. Paipai Loan: It is the first P2P online lending platform in China, and it is an online lending platform for personal credit. At present, China Merchants Bank provides a fund depository system for Paipai Loan.

It was created with the aim of providing a safer and more efficient platform for individual-to-person lending to be more standardized, safe and effective.

3. Borrowing: The loan service launched by Alipay can be applied for as long as the sesame credit score is above 600 points.

4. Micro loan: In addition to Alipay's ant borrowing, the most recommended one can be said to be micro loan, which is very suitable for young people now, because it brings convenience to hundreds of millions of people through WeChat, which is the most commonly used by everyone.

IOU: Backed by Qihoo 360, it is well-known, and in terms of security, it is to do network information security, and in terms of big data, there is also a lot of precipitation.

6. Renren Loan: Founded in 2010, Renren Loan has a very strict review of borrowers, and Minsheng Bank provides a fund depository system for Renren Loan.

Coordinates Xi'an, loan manager, credit is not good-looking, and you have to look at the first loan.

If you go to the bank by yourself, the credit is not good, and if you get a credit, it is basically very difficult. If there is a mortgage, it is better than talking about having a house and a car, and there is a certain hope.

If you find a formal financial institution to help you operate, you can basically do it.

1.Under normal circumstances, it is difficult to get a loan from the bank if the personal credit is not good, but you can borrow through other ways, such as trying to apply for a mortgage loan from the bank, the bank will give a limit after evaluating the collateral, and you can get the loan through this method.

2.Loans can also be obtained through some mortgage institutions, and the lending institutions are relatively relaxed for the conditions of the loan, but the loan interest rates of the lending institutions are relatively high, and the same loan needs to pay more interest, but when taking out a loan, you can compare several to find the most suitable one.

3.The last thing I want to tell you is that after the bad credit report is remedied, it should be remedied in time, if it is because of the arrears, it should be returned in time, and the original bad record will be covered if the original bad record is repaid, if the information is false and the bad credit is bad, you can apply for administrative reconsideration, and you can continue to apply for a loan after revocation.

Extended information: 1. The most certain method: mortgage, especially real estate mortgage.

2. The most scientific method: maintain credit information, keep not applying for loans for a period of time, push the overdue to 24 months ago, continue to repay and gradually reduce the number of debt reduction accounts (especially online loan accounts), and control the proportion of credit card use within 70%.

3. The most speculative method: observe the market and wait for the release of water or mouth. Water releases are commonly found in the first half of each calendar year, especially in the second quarter.

Many banks will quickly complete the loan task targets of the year in the first half of the year, and the approval requirements will be more lenient when the quota is loose than when the quota is tight. In order to quickly complete the current year's indicators, a bank lowers the approval standard of a product or delegates the approval authority to the relationship manager!

4. The most undesirable method: Don't easily listen to the loan plan of paying the fee before the loan (what deposit, packaging fee, sincerity money)! There is also credit repair As long as pre-loan fees are involved, they must be cautiously withdrawn.

5. The easiest way: consult a local loan intermediary

It's really difficult to get a loan in the case of bad credit, but it's not completely impossible, in fact, you can choose to do a long-term installment package, it's still very easy to solve.

Bad credit can be borrowed in the following two ways:

1. Prove that your credit is not your own reason. If the credit is bad due to false information, you can report to the central bank.

The Credit Center files an objection application. You can also find a borrowing institution to issue a non-malicious overdue certificate.

As long as you prove that your credit poor is not your own reason, and you have the ability to repay, you can generally get a loan.

2. Try emerging online loan products, in addition to the central bank's credit, many private credit bureaus have gradually become a system, such as **credit, **credit, **credit, etc.

Some loan products may not depend on your central bank's credit situation. If your private credit is good, you can also get a loan.

Extended Information: Personal Credit Reporting.

refers to the activities of lawfully established personal credit reporting establishments collecting and processing personal credit information, and providing personal credit information inquiry and assessment services upon the request of users. Personal credit report.

It is the personal credit history history that the credit reporting establishments lawfully collect, lawfully process and sort out the information they collect, and finally provide it to lawful information inquirers in accordance with law.

As of 2015, the database included a total of 100 million natural persons, of which 100 million had credit histories.

In May 2019, the new version of personal credit information was officially launched, and the duration and granularity of credit information will be further improved.

On September 30, 2021, the "Measures for the Administration of Credit Reporting Business" was deliberated and adopted by the People's Bank of China at its 9th executive meeting in 2021 on September 17, 2021, and is hereby promulgated to take effect on January 1, 2022.

At present, it is mainly used for various consumer credit businesses of banks.

With the social credit system.

As credit reports continue to improve, credit reports will be more widely used in various areas such as business credit sales, credit transactions, and recruitment and job search. In addition, the personal credit report also provides a way for the inquirer to examine and regulate his or her own credit history behavior, and forms a verification mechanism for personal credit information.

Credit information: 1. Basic personal information on which to identify individuals and reflect their families, occupations, and other circumstances;

2. Personal credit information formed by the credit relationship between an individual and a financial institution or a housing provident fund management center;

3. Personal credit purchase and payment information formed by the credit purchase relationship between individuals and commercial institutions and public utility service institutions;

4. Public record information related to personal credit formed by administrative organs, administrative affairs enforcement bodies, and judicial organs in the course of exercising their authority;

5. Other information related to personal credit.

Influencing factors. May affect personal credit risk.

The main factors of the score are: there has been a late repayment in the loan, or the credit card overdraft has not been repaid according to the agreed period and repayment amount, or there are too many loan accounts and credit cards, etc.

Regulations on the Management of Credit Reporting.

Article 25: Where information subjects feel that there are errors or omissions in the information collected, stored, or provided by credit reporting establishments, they have the right to raise objections to the credit reporting establishments or information providers and request corrections.

It's very simple, and it can only be done through special methods and channels.