The proportion that credit record holds in our life is larger and larger, also more and more get the attention of people. There is accredit to sign a letter when a lot of people are handling loan or credit card so, this also proved to sign a letter bad likelihood borrow.
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What does individual ask forring believe bad record to include?1, baleful exceed the time limit, reimbursement of associate with credit card causes long-term exceed the time limit not in time or frequency of bigger, exceed the time limit applies amount of exceed the time limit during more; university aid learn loan not seasonable reimbursement, cause number of exceed the time limit more or time of exceed the time limit is longer; other loan is not seasonable the baleful exceed the time limit that reimbursement causes is waited a moment. Baleful exceed the time limit is a kind of circumstance that the commonnest influence borrows money.
2, the individual is indebted proportion is higher, if of the dweller already had indebted occupy taller, achieve individual income 70% above, can apply for loan to be affected somewhat to its. Because each bank is indebted to the income of loan applicant,this is rate has a regulation, the individual is indebted specific gravity is exorbitant, affect ability of its loan reimbursement, the risk is higher.
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3, assure for other debt of a huge sum, if the dweller waits for belongings with his house property,assure for other as guaranty debt of a huge sum, so the asset circumstance of his oneself is about to sell at a discount greatly, have the risk of debt of potential negative a huge sum even, accordingly, the bank won't extend to its easily loan.
4, ask for a letter to be inquired the time is more, the dweller applies for the credit product such as loan, credit card to the bank, if the record signing a letter that silver-colored guild goes to inquiring a dweller asks for a letter to record, the time that is inquired is more, explain this dweller is leasehold demand is too high, corresponding ground risk is high also. Do not suggest the dweller files much home credit card at the same time so.
Is letter of individual ask forring undesirable how is the record eliminated??
Eliminate a method one: Enclothe bad record
Credit card record shows only recently the circumstance of 24 months, before the record inquires very hard. Appear so credit card must not be cancelled after bad record, although the bank urges you,sell card to also be not paid attention to. The person that hold card should be in only next every month consumes 24 the middle of a month at least 1 yuan and on time reimbursement, so before bad record can be enclothed, produced good record afresh, won't cause an effect to the credit later.
Eliminate a method 2: Fill actively handle bank card
The bank also is can be with the person this, want to was not uploaded to go up to the system in bad record only, it is 90 days commonly, the person that hold card is active and active do calorie of travel continuously, show an account and adopt remedy measure appropriately, the bank also can help a client remove undesirable credence record normally.
Eliminate a method 3: The record is eliminated automatically
Individual credence record won't be withheld all the time, it is reservation normally a credence of 5 years is recorded recently. But if the individual produced relatively serious credit,record, it is a likelihood reservation is longer. Of course, if be now and then short-term exceed the time limit, also need not worry too too, the record after 5 years can be eliminated.
Individual credit is mainer and mainer, borrow heart to the hope everybody should take seriously, did not become Laolai not carefully, leave bad name.
