1. Expires in a short time.
What we have to do at this time is to pay off the credit card or loan as soon as possible and explain the reasons to the corresponding bank. Some banks have a few days' tolerance for credit card repayment, and some will not report overdue records to the central bank's credit information system until next month's billing date. As soon as you contact the bank, you can get rid of the data before the bank reports it. If the bank has reported to the central bank, it can ask the bank to issue a non-malicious overdue certificate, so applying for a loan will also reduce the impact.
2. The overdue time exceeds 90 days.
In this case, in addition to paying off the arrears in time, we should also ensure good credit habits in the next few years and let the new good records cover the previous bad records.
According to the regulations of the central bank, the bad records in the credit report will be kept for 5 years, that is, they will be automatically eliminated after 5 years. If the credit card is overdue for 90 days, don't cancel it. But stick to it and keep a good credit card record for more than two years. Generally speaking, in addition to strict mortgage requirements, applying for loans only depends on the credit records of the last two years.
3. Overdue due to incorrect credit information input.
If personal information is fraudulently used or the credit information entered is incorrect, you need to report it to the bank first, and then file an objection application. After verification, the bad records can be eliminated in about 15 working days.
Expand data
1. Credit investigation is a Chinese word. Pinyin, which means zhng xì n, refers to collecting, sorting, storing and processing the credit information of natural persons, legal persons and other organizations according to law, providing credit inquiry, credit evaluation, credit information consultation and other services to help customers judge and control credit risks and carry out credit management activities. From Zuo Zhao's Eight Years as a Special Official, "A word from a gentleman is a promise that cannot be recalled". Among them, "credit collection" can verify your words, and can also request and verify your credit.
2. Credit investigation is an activity that a professional and independent third-party organization establishes credit files for individuals or enterprises, collects and objectively records their credit information according to law, and provides credit information services to the outside world according to law. It provides a platform for professional credit reporting agencies to enjoy credit reporting. On May 20 19, the new version of personal credit information was officially launched, and the length and fineness of credit information will be further improved.