Nowadays, credit reporting has become more and more important. However, many friends have bad records precisely because they did not pay attention to credit reporting before. The thing that everyone is most concerned about should be how to eliminate these bad records. Now the editor of Xingbaihui will introduce several strategies to you.

1. Cover up bad records

The credit inquiry period for credit cards is generally within 24 months. Generally, records before this period will not be inquired. Therefore, when you have bad credit, don't blindly cancel your credit card. Instead, within two years of paying off the debt, you should use your credit card to make purchases every month and repay it on time. This will cover up your past bad records.

2. Submit an application for delayed repayment

Some people forget their repayment date due to various reasons. If you encounter such a helpless situation, you can promptly explain the situation to the bank's customers to see if you can apply for deferred repayment. Nowadays, banks' services are becoming more and more user-friendly, and they will provide you with a deferred repayment period of one to three days. Most people would avoid having a bad credit record as a result.

3. Eliminate bad records by providing evidence

Sometimes bad credit records are your own fault, but the influence of the bank does not rule out. For example, if your credit card has not been used for a long time and has become a "sleeping card", but it still accrues annual fees, but does not receive reminder information from the bank, resulting in inconveniences

4. Complain to the People's Bank of China

If you have objections to your credit stains and are sure that you have done nothing wrong, but your credit stains have occurred for no reason, you can file an objection appeal with the People's Bank of China with your valid personal ID. After investigation, your appeal will be verified. Correct, it will also restore your good credit.

Finally, the editor recommends that although credit reporting is extremely important, you should not seek medical treatment in a hurry. In order to eliminate credit stains, spend money on others in the market to avoid being deceived.