Hello, I would like to ask, can the bad records generated by student loans be eliminated?

In some cases, expired records can be eliminated. If it is not for special reasons, overdue records cannot be eliminated. After five years, the central bank will automatically eliminate them.

You can eliminate expired records:

Overdue records due to annual fees. General gold cards and ordinary cards have an annual fee-free policy. If the annual fee is overdue, the bank will give the cardholder a grace period to complete the annual fee-free credit card application.

Overdue records generated by fraudulent card use. Due to the lax confidentiality of information, banks will generally revoke overdue records caused by this situation through appeals;

Verify the overdue records generated by stolen brushes. After the cardholder and the bank verify the loss report and overdue record of the stolen credit card, the bank will issue a certificate to help the cardholder eliminate the bad record.