I have been in a real estate purchase agreement signed this year, down payment and property rights in September delivery costs, while a bank loan. Loans 150 000. The problem is to check personal loans credit report, I was in college during the school handled the development of a deep credit cards, no guarantor, the amount of spending 1,000 yuan. Which I have taken is 300 yuan, 2 months later I could still 320 yuan it, and then I had a few dollars of interest are not paid off, so my credit card has been idle useless, did not expect a sudden after 2 years passing through bank check my bank card, actually more than 700 compound interest, and I immediately pay off and cancel the account of the. In this way, my credit report on the records of these, I am extremely anxious, it will not be tainted credit bank refused to lend? Is there a remedy? For example, a credit card to do immediately, the credibility of wild brush and so on. How do? Brothers and sisters (my income is now 5000, and prepared to repayment for 15 years, more than 1300 per month)
Next to it as long as records have friends that are not malicious overdraft you take now, if the amount is not large lending banks will not be concerned about. I really do not know how!
It is very likely that banks will lend to you.
Two ways: first, to the bank show that you did not intentionally. To writing a line. If the banks agreed to the best.
Second, the lower the loan amount. May only issue of 10 million, or less.
Generally pulls a bank can also try.
Do not work, send a red envelope to a bank of relevant personnel of the. This is the last resort.
Good luck!
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