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How to "repair" personal credit history?

Time: 2013-03-04         Source: Rong 360 original         Author: Li Jing

Question:Financial 360 LoanExpert, hello! What measures can an individual take to repair his/her credit history after having a negative record?

Financial 360 loan expert reply: Hello!

Individuals should pay attention to developing good awareness and habits in their daily lives, and fundamentally avoid the negative impact on their own due to negative records. The first is to pay attention to the development of good consumer habits and repayment habits. For daily consumption, loans and various types of payment, pay attention to the repayment period, avoid overdue, honesty, credit, and establish a good sense of credit. Followed by properly arranging relevant credit activities, and do a good job in relational warnings. Choose the right oneRepayment, take effective reminders to ensure each loan andcredit cardRepayment on time.

If there is a negative record in the current credit report, the first is to avoid the emergence of new negative records, and the second is to reestablish the personal trust record as soon as possible. When judging a person’s credit status, financial institutions such as commercial banks focus on the person’s recent credit transactions. If one person occasionally has an overdue loan repayment, but afterwards, it will be repaid on time and in full amount, which is enough to prove that its credit status is developing in a good direction. For more information about credit, check out the individual credit topic.

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