How can we break the financial constraints that have left the credibility to be repaired? It's okay, there's always a solution. The solution once and for all is to raise your credit rating, but this will take time. I'll give you a few easy ways. First, you can consider mortgages. As long as you have assets of equal value or more than the amount of the loan, such as houses, cars, gold bars, claims, etc., they can be used as collateral in case of difficulties in paying your debt, so that the credit rating requirements for you will not be so high。

What if it doesn't work

Secondly, if your credibility is not up to standard, you can consider a secured loan. Guaranteed loans require the search for a guarantor or a guarantor company, and, of course, no one can be a guarantor, the collateral needs a good reputation and a low liability rate, and must have the ability to service the interest. If the loan was secured, it would be equivalent to an additional person paying the debt, which would reduce the credit rating requirement for you。

Besides, you can find some network lending companies that have low-reliability requirements, and although most network lending companies check their credibility, some of them do not have a lot of requirements, as long as you perform well in the big online lending data。

If you are not just a matter of short-term cash flow, but of creditworthiness, you can try to fix your credibility by: First, if there is a bad record, then the arrears and late payments should be repaid immediately, and the credit will be automatically restored as long as you have repaid all the amounts within five years. Second, if the delay is only short-term, then the bank will be contacted on its own initiative after the full payment has been made, in an attempt to avoid the delay. In the end, if you are overdue due to force majeure, then apply to the bank for proof of "not malicious delay". That's my advice to you, but it's the same old saying。