Common collection methods include:
1. SMS notification is generally used for short overdue days, not exceeding one week.
2. Tell me by phone and start calling yourself to ask how long it will take to repay.
3. Contact the list in the address book. Here is a reminder that all the apps on the online lending platform will read your address book or upload your own mobile phone service password. They can only choose some people you often contact.
4. Start short message bombing and abuse debtors in online forums such as Post Bar.
5. Intimidate and threaten borrowers.
6. Send a lawyer's letter or reminder letter to your address.
7. Court summons.
How to eliminate overdue credit reporting of online loans?
Take the initiative to find a lending institution to explain the reasons.
Lending institutions will upload overdue records to PBOC, and there will be a certain period of time. Before the overdue records are submitted to the People's Bank of China, voluntary repayment, payment of overdue fees and asking the lender to explain the reasons will all have the opportunity to eliminate overdue records and prevent them from being uploaded to personal credit information. Bank loans generally give a grace period of 1-3 days. If loans overdue is in the grace period, he should pay back the money and ask the customer service to explain the situation. The bank will be reasonable and help to delete overdue records. Compared with banks, some online lending platforms and non-bank lending institutions are more "humanized". Even if it is overdue for a week or two, as long as it can take the initiative to repay the loan and pay the overdue fee, it is not necessary to upload the overdue record to the People's Bank for credit investigation. If the overdue period has exceeded the grace period of the lending institution, or you are unlucky, when you contact the lending institution actively, the overdue record has been uploaded to the People's Bank of China for credit investigation, and you can still communicate with the lending institution. After the repayment, I will show my sincere attitude and the proof materials required by the lending institution, so that the lending institution can believe that I have not intentionally overdue, and then issue a "non-malicious overdue certificate".
legal ground
Materials that should be filed as stipulated in Article 14 of the Archives Law of People's Republic of China (PRC) (revised in 2020) shall be regularly handed over to the archival institutions or archivists of the unit for centralized management in accordance with relevant state regulations, and no individual may refuse to file or take them for himself. Materials that are not allowed to be filed according to state regulations are prohibited from being filed without authorization.
Article 10 of the Archives Law of People's Republic of China (PRC) (revised in 2020) The central and local archives at or above the county level are cultural institutions that centrally manage archives and are responsible for collecting, sorting, keeping and providing archives within their respective functions and duties.