Group elder brother discovers recently, a lot of young associate ask for the problem that believes a report in care individual, concern of one part person because oneself once exceed the time limit brings about loan by refus; Still one part person expresses him is credit white door, want to make a perfect report that sign a letter handle loan.
We know individual credence reports the impact that lives to us is very big, it resembles be us " economic Id " , small to handle a piece of credit card, buy a house to financing loan greatly, buy a car, can involve the individual's credit, affirmation of orgnaization of bank etc finance is little not can be checked on the individual credit report in us, have a look, say the credit report that makes a full marks is very necessary so!
Group brother says how to make a perfect individual credence report today!
One, every months on time reimbursement
Is the credit report that wants oneself very clean, perfect? Every months on time reimbursement is then must ah! This also is the most crucial, the most fundamental condition! Some people think exceed the time limit of him credit card have nothing to do with a few days, owed a few money to return go, then you consider a fault!
Although credit card new rule will be since January 1, 2017,carry out, after carrying out, mean won't have fine for delaying payment again, but have penalty due to breach of contract, penalty due to breach of contract is decided independently by the bank, although penalty due to breach of contract but business can be measured, but if time of your exceed the time limit passes,grow, do you feel silver-colored to guild lets off you? And exceed the time limit affirms meeting collection interest, but the behavior of exceed the time limit that more important is you still will is in by the record your individual signs a letter in the report! !
Once you are in,individual ask forring produced credit spot on letter report, so although you are beautiful again much money, credit stain also is to wipe what do not drop! Records of these exceed the time limit will affect you to apply for a room to borrow in the future, the car is borrowed etc, not only such, record of exceed the time limit still can ask for the reservation in letter report 5 years in you! That is to say you should spend ability of 5 years of time credit stain take out! You carry this black boiler on the back be about to carry 5 years on the back, want to feel terrible!
Finally, encircle elder brother or ambitious attune: On time reimbursement is very very important! This is the first step that makes perfect credit report! Reimbursement of exceed the time limit, exceed the time limit not reimbursement, do you still want clean credit report? Want not to want!
2, handle piece of credit card, leave credit is white door
Generally speaking credit Xiaobai wants to handle loan is more difficult normally, because he is credit,a friend that encircles elder brother once was white door the identity, sufferred refuse when loan.
Because cannot inquire in the system signing a letter of the Central Bank the credence to you is recorded,this is, your record is blank, the bank cannot inquire whether your credit is good, whether had had the action such as exceed the time limit, so the bank also cannot have judge to your individual credence, look in the bank your risk nature is taller ~
Want to have a perfect credit report so, so you are about to leave your mark in credit report, the simplest method deals with a piece of credit card to cast off credit namely white door the identity! Relative to at loan character, the threshold that credit card files is lower, flow is more simple also, will cast off the identity of credit Xiaobai through handling credit card, it is a very good idea!
3, credit card amount is unfavorable and too much
The jump overing that a lot of people think credit card is dealt with is much, consumption is more convenient, the expense that can prepay ahead of schedule is more, what so credit card deals with is more better, actually otherwise, deal with overmuch credit card to be able to produce year of redundant cost not only, the person that still can let hold card forgot which pieces of credit card to consume how many times; Next, card is too much, the person that hold card is written down very easily mix amount of reimbursement date, reimbursement, once misremembered time to cause exceed the time limit, the credence to the individual still can cause an effect; Finally, handle overmuch credit card, if cannot reasonable undertake reimbursement to credit card, the person that hold card produces difference extremely easily east the wall fills on the west the behavior of the wall, produce negative effect to in the future credit behavior; Say credit card is not so it is better to do morer, measurable talent is suitable, group elder brother suggests everybody is best hold the credit card amount of hold of the place in the hand in 1~3 Zhang Zun right, not too much.
4, not frequent inquiry asks for a letter to report
When borrow money in application below the circumstance normally or handling credit card, the report of the individual that sign a letter perhaps can be put to borrow an orgnaization to undertake inquiring by the bank, and one of content that inquire the record regards credence of people bank individual as the report are can be in by the record in the report signing a letter of the user, that is to say the frequency that you inquire is more frequent, the inquiry record that you keep is more, and overmuch inquiry record will affect your in the future loan to apply for.
Usually, put borrow a company to be able to think: The individual has loan demand to just can check the report that sign a letter, and inquire the report that sign a letter is mirrorred often give you to need capital very at present, be badly in need of spending money, but because certain condition does not amount to mark or financial standing not beautiful and be rejected, this kind of circumstance leaves a bank or put borrow an orgnaization to be able to think your risk is higher, it is not easy to want to take next loans successfully.
5, do not examine credit card cash at will in installment or buy car forehead to spend in installment
Common saying says: Curiosity kills dead cat. Since in installment after business walked into the life of people, young associate stems from curiosity and always a lot of examine the cash of own credit card to the forehead is spent or buy the forehead of the car to spend in installment in installment, the specified number that oneself see in light of is spent whether to rise, but a lot of people had not cared about this kind of behavior what to can be affected when inquiring the forehead is spent, in inquiry when you the forehead is spent while, also acquiesced actually the bank has the right that examines your individual to ask for a letter to report, and the inquiry record of the bank is to meet individual be been in by the record sign a letter in the report, this will be right you in the future explain borrow, Shen Ka produces an effect.
Encircle elder brother proposal, if do not have the demand that business handles, do not inquire your credit card to the forehead is spent or buy car forehead to spend in installment in installment repeatedly, if need really, can be examined and have follow-up application, but if apply for by refus, do not repeat application, can ask clear reason in order to call a bank, anyhow, want a clean individual credence to report scarcely wants to inquire often!
Above, encircle what elder brother brings for everybody to make perfect individual ask for the skill that believes a report namely, if your client wants a clean and beautiful credit report, you might as well impart these little skill to them, such you also need not tap a head in the credit report for them!
