Hello, Borrowers with bad records can find third-party guarantee agencies or individuals to assist themloan
. If your own bad records are caused by carelessness, for example, because you are overdue for 1-2 times overdue, you can find a bank to open a non-malicious overdue certificate and use this proof to go to the lending bank again to apply for a loan. However, if the borrower is included in the blacklist of the credit system,Bad credit history
It will take five years until it is cleared, and then there is a chance to apply for a loan at the bank.