The second-generation credit report has four colors. Which one do you belong to?

In the credit society, credit reporting plays a very important role. It can be said to be a stepping stone for us to get loans,min pay apply for credit cards, and even find a job. However, many people don’t know that credit reports also have colors, and different colors of credit reports have different impacts on our credit business. At present, the second-generation credit report is online. You can check your credit and compare it to see what color it is.

1.White

Many people think that white is a symbol of purity and beauty, but this is not the case in credit reports.ofw quick cash loan online On the contrary, white credit reports can easily be rejected by credit institutions for loans and cards.

Because these people have never applied for a credit card or loan, their credit reports are blank.debt consolidation Credit agencies cannot find their past credit records when checking credit reports, and cannot judge their credit, liabilities, and willingness to repay. Due to risks, Consider approving loans with caution.

For this reason, it is recommended that friends who have financial needs and have a good credit report can first apply for a credit card to get rid of the white account status, and then use the credit card more often to make purchases and repay on time, so that the bank can see their repayment ability and repayment ability. Will.

2. Suit and color

Although this kind of credit report is not considered a negative credit, it will also have an impact on applying for credit cards and loans. It refers to frequent hard inquiry records in credit reporting, such as too many inquiry records for credit card approval, loan approval, and guarantee qualification review. Under normal circumstances, no more than 5 times a month and no more than 8 times in 3 months.

There is only one solution, which is to take control and refrain from ordering any credit products listed in the credit report in the past six months.

3.grey

It refers to what we often call the gray list, which can also be said to be people who are highly concerned by credit institutions. Although the plot is better than the blacklist, there is still a relatively large risk of being rejected when applying for loans and credit cards.

It usually refers to the reasons such as frequently applying for loans and credit cards from multiple institutions, having a comprehensive debt ratio of more than 50%, providing false information, frequently changing workplaces, and not having strong stability.

4. black

In Western culture, black generally represents a derogatory connotation. In a credit report, a black credit report is equivalent to being game over. When you apply for a credit card or loan, you will fail repeatedly. The credit institutions will directly reject the loan and will not give it to you. Any hope, after all, the people with this type of credit report are seriously overdue customers and have no credit at all.

Generally, there are three consecutive records in the credit report in the past two years, that is, overdue repayments for three consecutive months and a total of six overdue repayments. It is undoubtedly a black account.