I learned something on the Internet.
There are two ways to handle credit reports:
1. Wait time
In China, credit records are generally kept for five years, and the retention period of personal bad information by credit reporting agencies is five years from the date of termination of bad behavior or events, and those that exceed five years should be deleted. You don't have to touch any credit-related products for five years.
2. Objection handling
In case of special circumstances, you can contact the bank and explain the reasons for overdue according to your own facts. For example, if the mobile phone card is changed, the bill information cannot be received, which leads to overdue; Being hospitalized due to physical condition, unable to repay, but having a strong willingness to repay; etc
The following is the Regulation on the Administration of Credit Information Industry issued by the State Council on 20 13, but the success rate is very low, which is said to be less than 3%.
However, not all online loans are connected to the credit information system. These illegal online loans are not included in the credit information system, and most of them can be found online.
I hope it helps you!
thank you
A few years ago, it usually turned white after five years. I don't know if it has changed now.
Cut to the chase, since June 5438+ 10, 2020, the second generation of credit reporting has been launched. All credit information records, whether overdue or not, are displayed for 5 years. Generally speaking, you can see the repayment records from this month (65438+2020 10) to 2065438+2005 10. Or in other words, it is the repayment record that happened this month (2020 10). By 2025 10, the credit report will disappear automatically, provided that the repayment is made on time.
The subject wants to know the exact time to completely eliminate the online loan record, that is, the month when you last used the online loan, and push it back for 5 years, MINUS 1 month.
What needs to be emphasized now is that the impact of online loan repayment records and inquiry records and credit card overdraft on mortgage cannot be quantified, and it cannot be simply and rudely answered with "impact" or "no impact". According to our long-term working experience in the front line, everyone's income, repayment ability and credit report are very different, and there is no rule to follow. Whether you can apply for a mortgage or not, the bank should comprehensively measure your situation. As long as there is no serious overdue record, the mortgage repayment will not obviously affect your current life, and the mortgage will basically pass. What you don't know is that mortgage is a kind of mortgage business, and there are staged guarantees and repurchase agreements from developers, so the risk is relatively small and the mortgage requirements are relatively loose.
Online lending is not a demon. Normal and appropriate use of online loans is understandable. This is the product of the times. There are no laws and regulations that stipulate that banks cannot handle business for people with online loans. The bank may call you to know the specific use of online loans. The bank account manager will judge whether it is an increase, a decrease or an irrelevant item according to his risk preference. The use of online loans is reasonable, and the repayment record is good. As an additional item for handling loans, it is normal.
Many things are not what you think. Cross-discipline will subvert a person's cognition. So, take your own credit report and go to the bank for consultation!