How to eliminate overdue records.
II. Specific analysis
1. Overdue due to non-subjective reasons, such as personal information loans stolen by others.
In this case, users are advised to provide relevant evidence, file an objection application with the loan bank and the credit information center, and the overdue record can be revoked after the bank verifies that the situation is true.
2. overdue due to subjective reasons.
In this case, users are advised to settle all overdue payments and maintain a good repayment record. After waiting for 5 years, the overdue records on the credit information will be automatically eliminated.
3. If the credit card is overdue, users are advised not to cancel the credit card immediately after clearing the overdue payment of the credit card, because the use record of the credit card is rolled for two years. If users continue to use the credit card for two years after paying off the overdue payment and keep a good repayment record, the new good repayment record will cover up the previous bad record, thus achieving the effect of restoring credit information.
the overdue records of credit investigation cannot be modified without authorization.
Therefore, users must be vigilant and safeguard their credit information.
If you have overdue records online or loan records from multiple platforms, your records will be subject to big data risk control. When your online loan platform often rejects you, even the flower garden will be closed. If there is any abnormality in your online hacking data, you can find out: Xiaoqi Credit Check can get your own big data and credit status, and you can get various index data, and you can query your own personal credit status, blacklist, online loan application record, application platform type, overdue amount, whether there are arbitration cases, and other important data information.
3. How long will it take to eliminate the record that online loans are never overdue?
if the online loan has never been overdue, the record in the big data will be the regular lending and repayment record.
and the regular borrowing and returning records will always be kept and cannot be eliminated.
if the platform or its cooperative lenders access the credit information, so do the loan records recorded on the credit information, which are usually kept permanently.
However, you can rest assured that the routine borrowing and returning records will not bring any adverse effects.
unless you apply for a lot of loans frequently in a short period of time, it may lead to long-term lending, resulting in too many loan records in big data or credit information, which will affect the subsequent loan approval.
Although the regular lending and returning records can't be eliminated, the new records will gradually overwrite the old records.
It is precisely because of this that if there is long-term borrowing and big data or credit information is "spent", as long as you don't apply for new loans or credit cards in the next three to six months and pay attention to repaying the loans you have handled before, the situation of big data/credit information being "spent" will generally be improved after three to six months.