Answer: no washing! Because the bad records of the central bank's credit information center cannot be deleted artificially and will not be overwritten, they are usually deleted after 5 years!
If you meet someone who says he can help you remember the credit information, it must be a lie!
Personal credit information cannot be washed away, and the stain on credit information can only be eliminated by time. It is valid for five years. When the validity period comes, the credit stain will be automatically eliminated in metropolis, provided that the user has paid off the debt, otherwise the credit stain will accompany him for life. Credit information shall be uniformly managed by the Credit Information Center of the People's Bank of China, and no person or organization may change the credit information without permission. Credit investigation is authoritative and legal. Once someone or organization is found to modify or even delete credit information, it will be punished by criminal law.
Can credit information be washed away?
Credit information can be washed away. But this white washing process is also very troublesome. If someone borrows money from a bank or a regular online platform, which leads to loans overdue, then there will be problems in personal credit reporting and it will be blacklisted. When we pay off the loan, the blacklist will be kept for five years.
Article 16 of the Regulations on the Administration of Credit Information Industry
The retention period of personal bad information by credit reporting agencies is 5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted.
During the retention period of bad information, the information subject may explain the bad information, and the credit reporting institution shall record it.
Article 17
Information subjects can inquire their own information from credit reporting agencies. The subject of personal information has the right to get my credit report twice a year for free.
Article 18
When inquiring about personal information from a credit reporting agency, it shall obtain the written consent of the information subject and agree to use it. However, unless the law stipulates that it can be inquired without consent.
Credit institutions shall not provide personal information in violation of the provisions of the preceding paragraph.
Article 19
If a credit reporting agency, information provider or information user obtains the consent of the subject of personal information by using the terms of the standard contract, it shall make a prompt enough to attract the attention of the subject of information in the contract and make a clear explanation according to the requirements of the subject of information.
Can the bad record of credit card be eliminated? Four ways to deal with bad credit
Credit cards are used by many people, and in the process of using them, they may accidentally leave a bad credit record, which is great for personal influence. Someone asked, "Can bad credit card records be eliminated?" The answer is yes, but there are relevant conditions. Here are four ways to deal with bad credit.
According to the "Regulations on the Administration of Credit Information Industry", the retention period of personal bad information by credit information agencies is 5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted. That is to say, personal bad credit records can be automatically eliminated within five years in general, but there will be a special situation: if the bad debts recorded in personal credit records are recognized by relevant departments (that is, the repayment period has passed, and it cannot be recovered after collection, and it is in a sluggish state for a long time), this bad credit record will directly follow the individual's life.
Common methods to deal with bad credit card records:
1, take the initiative to contact the bank to negotiate a solution. If it is non-malicious overdue, you can contact the bank in time and explain the reasons to it. Generally speaking, banks are willing to help if there are justified reasons, but you must seize the opportunity. It's futile to overdue for too long.
2. Pay the arrears in time and maintain good repayment habits. This method is suitable for overdue credit cards, that is, the cardholder will pay off the arrears in time and then maintain a good repayment habit, so that the bad record will be covered by the good record, thus forming a new good credit record, but the card cannot be cancelled.
3. Make a meaningful application. If you have any objection to the credit record, you can bring your ID card and file an objection application with the credit center of the local central bank. After the central bank verifies that there is indeed an error, it will make corrections according to the survey results.
If the bad credit is caused by the bank, you should apply for cancellation immediately.
If the personal credit record is bad due to bank reasons, you should provide relevant evidence and contact the "involved" bank in time to ask it to eliminate the bad credit.
Although the bad credit of credit cards will be eliminated after 5 years except for special circumstances, I personally think it is better not to leave bad credit records. What if you have a bad credit record but need a loan within 5 years? When you use a credit card, you leave a bad credit record for hours, so you'd better deal with it in time.