Credit inquiry records cannot be deleted, but the credit report only shows the inquiry records in the last two years, and the inquiry records that have exceeded two years will not be displayed again.
Therefore, the personal credit report is spent. As long as it is kept for a long time without handling credit business, there is no need to delete the record.
Extended data:
There are two ways to simplify credit investigation:
Repayment on time: If you want to get a perfect credit report, you must first say no to overdue repayment. No matter banks or other financial institutions, overdue repayment is very taboo. Personal suggestion is that you can deposit the repayment amount 1-2 days in advance, and then check whether it has been settled in the credit data. If the deduction fails, you need to contact the borrowing institution in time to explain the reasons, so as not to affect the credit investigation.
Reduce loan applications: Don't submit too many online loan applications in a short period of time, whether you go to online lending platforms or banks and other financial institutions. You should control the frequency of your loan application and submit no more than three loan applications every month. At the same time, you can pay off the loan properly, or cancel some credit cards that are not commonly used, so as to reduce the personal debt ratio.
Summary: Credit information is often considered as a bad personal reputation and poor personal repayment ability. When making a loan, a credit investigation is necessary. If the credit investigation is not good, the loan will generally be refused.
Repairing credit information is a long-term process. To maintain good consumer repayment habits, only in this way can bad records be covered by good records and good credit can be guaranteed. The overdue records in the credit report shall be kept for five years from the date of repayment and eliminated after five years. If you plan to buy a house with a loan, you can wait five years, deposit first, and then pay more down payment.