Beijing Jieyue United Information Consulting Co., Ltd. (hereinafter referred to as "Jieyue") is a comprehensive information consulting service platform based on Internet technology, integrating finance and industry, and serving the real economy.
If our credit report is overdue due to the fault of Beijing Jieyue United, or our personal information is fraudulently used or the information is incorrect due to lax review, then we can apply to the credit information center for objection handling.
It should be noted here that objection handling is only aimed at bad records caused by errors, lack of information in credit report or mistakes of lending institutions. If the credit record is true and correct, it cannot be changed or deleted even if an objection is raised.
If it is really your own reason that leads to the investigation of credit information, there is no way to eliminate it. According to the Regulation on the Administration of Credit Information Industry, bad information will be displayed for five years from the date of termination of bad behavior or incident, which means it will take five years to eliminate this credit information record after you pay off the debt.
Bad credit records caused by non-personal subjective reasons may require banks to issue non-malicious debt certificates for themselves. Although it is normal to accept credit now, with this certificate, some banks or lending institutions will consider lending to you as appropriate.
If the tone is very serious, it has been listed in the bank's "blacklist of prohibited loans", or even if the amount is large, it will be sued by the court for compulsory repayment, and it will be included in the list of enforced persons, which will hinder your travel and reputation. If you don't file a small lawsuit, the credit center will also record your negative record, and you can't approve buying a house, buying a car or commercial loans in the future.
In addition, the gang would like to remind everyone that many industries under the banner of "eliminating bad credit" are not credible. Because once the credit is reported, the credit record cannot be eliminated unless the bank makes an error. Even if the bank wants to eliminate it, it must be approved and reported to the central bank.
Generally speaking, in order to avoid the problem of credit, if you have to borrow, you can choose not to borrow. Even if you have to borrow, you should borrow according to your repayment ability, so that the lender can calculate the monthly payment in advance. If you happen to have a credit report, return it quickly and wait five years.