1. To cancel the overdue record of credit reporting, only apply to the central bank's credit reporting agency or credit reporting agency, and those that meet the requirements will be eliminated. For example, if a fake card is used to apply for loans overdue, or the repayment is unsuccessful due to problems in the lending institution system, the bank can only apply for account cancellation if it does not inform the fee adjustment and part of the arrears are overdue;

2. However, if an individual voluntarily overdue, he will not be given the opportunity to eliminate overdue records. You can only pay off overdue debts and wait for time to slowly smooth out bad credit. After five years, the credit information can be repaired by itself. During the repair period, if you want to borrow money or apply for a card, it is suggested to improve your credit for at least 3 months by the following methods;

3. Timely repayment: Except for loans, all businesses directly linked to credit reporting belong to credit cards. Pay more credit cards. After use, the repayment shall be made before the end of the repayment date as required. It is best to repay in full if you have the ability. If it cannot be repaid in one lump sum, it shall be repaid in installments according to the situation, and the minimum repayment amount shall not be overdue in any case;

4. Don't mess around: don't apply for loans or credit cards in the short term, and reduce the number of credit inquiries. Some people may not want to borrow money, but if they want to find out how much they can have, don't order it, otherwise it may be difficult to find a credit report.