Generally speaking, the central bank stipulates that personal loans overdue records should be kept in the credit information system for five years, and borrowers should repay in time, and maintain good repayment habits during these five years, and no other overdue records will be generated, and loans overdue records five years ago will be automatically eliminated.
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Loans overdue record elimination method?
Loans overdue records can be erased in the following ways.
1. Communicate with lending institutions in time to eliminate.
If loans overdue is caused by non-malicious or force majeure factors (such as earthquake and tsunami), you can call the bank's customer service phone or go to the bank's outlets to explain your situation sincerely, and attach a letter of commitment to repay on time in the future.
2. Keep good repayment and trade in the old for the new.
A careless overdue result is not very serious, because personal credit records are constantly refreshed with personal credit activities, so keep good repayment, then the new records will gradually replace the original loans overdue records, and the original bad records will be eliminated by "replacement".
3. Wait five years for natural removal.
If loans overdue is very serious and all the above methods are ineffective, then we have to use the last method, that is, wait five years.
Because the central bank stipulates that personal loans overdue records should be kept for five years, after five years, these records will naturally disappear.