Will receiving a bombardment of SMS verification codes affect your credit report?

Receiving a bombardment of SMS verification codes will not affect your credit report.

It’s just that the phone keeps receiving verification codes, and it will not have any impact on personal credit. Banks will refer to an individual's number of overdue payments in the past two years when approving a home loan. Normally, if a couple makes three consecutive overdue payments within two years, or a cumulative six overdue payments, it will be difficult to get another loan.

Of the 14 behaviors that affect personal credit, only one or two credit cards are overdue. In this case, the loan will generally not be refused, but the loan interest rate may be appropriately raised, which is the first situation mentioned above. Home buyers can ask several banks, because if the real estate partner bank has preferential mortgage interest rates.

Extended information:

The introduction that affects personal credit is as follows:

Generally speaking, banks will refer to the number of overdue payments of an individual in the past 2 years when approving a home loan. , Under normal circumstances, if one of the spouses makes three consecutive overdue payments within two years, or a cumulative six overdue payments, they will not be able to obtain a loan. It should be pointed out that the meaning of three consecutive overdue repayments is that, for example, the repayment period of a fund is one month and it has not been repaid for three consecutive months;

According to the current situation, we know that the car loan is overdue and has not been repaid. As the overdue period increases, the consequences will gradually become more serious. If you apply for a loan directly from a bank and then fail to repay it, your personal credit record will be affected.

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