There is no way to eliminate the overdue record of personal credit information. If it is paid off after the deadline, it will be kept for 5 years.

Occasionally overdue records will be automatically eliminated after 5 years. If it is overdue, the overdue record will always be recorded in the credit report and will never disappear.

It should be noted that if the overdue records in the credit information are inaccurate, the relevant institutions can issue certificates at this time, and then apply for cancellation to the branches of the People's Bank of China. If the evidence is conclusive, it will generally be cancelled. Except the People's Bank of China, no other institution here has the authority to modify the credit information.

When personal credit information becomes bad, it will affect the handling of various loans. When handling, banks will first pay attention to credit information. If the credit information is not good, it is very likely that banks will refuse to accept it. In order to avoid personal credit deterioration, users must repay on time after handling all kinds of loans to avoid overdue.

The channels for personal credit inquiry include the branches of the People's Bank of China (version 7. 1.7), the official website Credit Information Center of the People's Bank of China and the bank counter; When inquiring through official website, the Credit Information Center of China People's Bank, you must register before you can inquire; Everyone chooses the query method that suits them according to the actual situation.

Bad credit information is kept for 5 years, and credit information inquiry records are kept for 2 years;

Generally, on the credit report, in the column of records inquired, there will be a line showing "records inquired in the credit report in the last two years".

In other words, from the date of inquiry records, all inquiry information within two years will be displayed on the credit records.

Loans overdue and other records in the consultation report will be kept for five years.

But it should be noted that the disappearance of records after five years here refers to five years from the date when the arrears are paid off.

Methods to eliminate overdue records of personal credit information

1, short-term overdue, take the initiative to contact the bank after making up the arrears; Not all overdue records will be immediately displayed in the personal credit report. Some banks will have a few days' tolerance, while others will report overdue records to the central bank's credit information center next month, so you should contact the defaulting bank as soon as possible after discovering overdue, and strive to solve the problem before reporting;

2. If the overdue time exceeds 90 days, pay off the arrears and maintain good credit habits: in addition to paying off the arrears, remember to pay penalty interest. In addition, don't return the card immediately, and continue to maintain good consumption habits. After 5 years, bad records will be automatically eliminated. Except for mortgages, most loans only refer to credit records within two years;

3. Unexpected overdue requires the bank to issue a "non-malicious overdue certificate": banks are also human beings. If you are overdue due to unemployment, illness, going abroad, etc. Take the initiative to contact the bank to explain your actual situation and issue a "non-malicious overdue certificate" so that the loan can be settled;

4. If it is overdue, submit an "objection application": Many people's overdue credit reports are not caused by themselves, but may be caused by "fake loans". Contact the bank to explain the situation, and then submit an objection application to the local China People's Bank Credit Information Center. Generally, such bad overdue records can be eliminated within 15 working days.