2. Issuance of an "unintentional overdue certificate": If the user's loan or bank credit card is overdue and is not caused by personal reasons, the bank can be required to issue an "unintentional overdue certificate" to prevent another loan application. Or it may be affected when opening the card;

3. Overdue repairs for special occupations: Some special occupations should be cleared due to unexpected circumstances.

: 1. Personal reasons In fact, many overdue payments are due to personal reasons. Missing the repayment date and not having enough balance in the card are very serious, because they are not overdue every month, and you can often call if you are overdue. Negotiate with the bank to see if the credit report is uploaded. There is even a very small chance that it will not affect your credit.

2. Special reasons: Sometimes overdue reasons occur due to some unavoidable reasons, such as unemployment, serious illness, delayed repayment by third-party institutions, information theft, etc. In this case, you must explain clearly to the bank. Some banks may decide to submit an application to eliminate bad records based on the difficulties you encounter.

3. Bank reasons Banks are not 100% error-free. Some overdue reasons are due to the bank's negligence, such as failing to notify users in time when the annual fee is adjusted, not issuing bills in time due to system problems, or failing to issue bills in time. If the payment is successfully deducted, everyone should find it immediately if they find out

4. Regardless of the reason for malicious overdue payment, as long as the overdue time exceeds 90 days, and there are three consecutive cases, refusal to communicate and non-repayment, then it is definitely Credit blacklist will be listed at the meeting. Each of us should cherish our own credit report, and must make amends in time if we neglect or make mistakes on this issue.

5. If the "Credit Industry Management Articles" believe that there are errors or omissions in the information collected, saved, and provided by the credit reporting agency, it has the right to raise objections to the information collector and request corrections. “When a credit reporting agency or information provider receives an objection, it shall mark the objection in accordance with the State Council’s credit reporting industry supervision and management information, conduct verification and processing within 20 days from the date of receipt of the objection, and respond to the objectionr in writing with the result. "After verification, if it is confirmed that there are errors or omissions in the relevant information, the information provider and the credit reporting agency shall make corrections; if it is confirmed that there are no errors or omissions, the objection mark shall be cancelled; if it still cannot be confirmed after verification, the verification situation and The content of the objection should be recorded

2. How to deal with the overdue credit report to eliminate it

1. Pay off the overdue debt as soon as possible

After the loan is overdue, due to If the user is overdue due to his own reasons, he can only have the overdue record automatically deleted by paying off the overdue debt. After the user pays off the overdue debt, the overdue records will be retained in the credit report for 5 years from the date of repayment. After 5 years, the overdue records will be automatically deleted by the credit report system. The sooner the user pays off the overdue balance, the sooner the overdue record will be deleted. After overdue records are paid off, even if they remain in your credit report, their negative impact will continue to decrease. When overdue records are retained for more than 3 years after being paid off, you can even try to apply for a credit business with partial credit check.

2. Apply to the lending institution to cancel the overdue record

If the overdue record is not caused by the user himself, the user can retain the relevant evidence and submit it to the lending institution for review, and then submit it to the lending institution Apply to cancel overdue records. After the lending institution applies to the credit reference center, it will submit relevant supporting materials to the credit reference center for review. In this case, the application can generally pass the review. Within a few working days after the review is successful, the Credit Information Center will delete the user's overdue records. Users can also lodge an appeal with the credit reference center themselves, and then the lending institution will submit supporting materials to the credit reference center for review.

3. New records replace old records

If a credit card has a bad credit record, the user should pay off the debt in time and continue to use the card, so that the credit reporting system will generate new credit card usage Record.

The central bank's credit reporting system will record credit card repayment records in the past 24 months. If the previous bad credit record existed for more than 24 person-months, the new record will overwrite the old record, and the negative impact of the previous bad credit record will be minimized.

Customers are advised to develop a good habit of repaying loans on time and try to avoid overdue payments. Once it is overdue, bad information will appear in the personal credit report, which will affect the subsequent processing of credit business, making it difficult to successfully handle it in a short period of time. If you are not sure about your credit status, just search: Sky Data 1, find this WeChat applet, pull out your online loan debt details and overdue credit status, and make a repayment plan based on your situation.

3. Can overdue credit records be washed away?

Personal overdue records cannot be deleted voluntarily. However, according to relevant regulations, the credit reporting agency's retention period for personal bad information collected is 5 years. Therefore, personal overdue credit reporting records will be covered by new credit reporting records after 5 years. But the five years here do not refer to the five years after the overdue debt occurs, but the five years after the overdue debt is paid off.

4. How to deal with and eliminate overdue credit reports?

If the credit report is overdue, you can object and apply for modification, issue a "non-malicious overdue certificate", and make timely payments for short-term overdue payments and long-term overdue payments. If it is overdue, maintenance and special post overdue repair will be required. In general, there may be situations where overdue records can be cleared, but it is still recommended that users repay in time to improve their credit qualifications.

As living expenses increase, many people will inevitably come into contact with credit products, and many credit products will be subject to credit reporting. If you are accidentally overdue and are recorded, it will be a problem for those who want to apply for a loan to buy a house. For home buyers, personal credit information is very important. When banks review personal loan applications, they will first review the borrower's personal credit profile. In general, there may be situations where overdue records can be cleared, but it is still recommended that users repay in time to improve their credit qualifications.

1. Objection application modification

If the lender finds that there is false information in his personal credit report, he can directly submit an objection application to the local credit center and request that the false information be eliminated. Record.

2. Issue a "Non-Malicious Overdue Certificate"

If your loan or credit card is overdue and is not caused by personal reasons, you can ask the bank to issue a "Non-Malicious Overdue Certificate" , so as not to be affected when applying for a loan or applying for a card again.

3. Repay the loan in a timely manner if it is overdue for a short period of time

If you are a few days overdue, you must repay the loan immediately and explain the situation to the bank, which may avoid appearing on your credit report. Bad records. Most banks have a grace period of about three days for delayed repayment, and the credit report will not be reported until the grace period. Some banks will not report overdue records until the next statement date. As long as the debt is not malicious, the money can be repaid in time, and the overdue situation is not serious, you can usually get forgiveness from the bank.

4. If the credit card is overdue for a long time, you need to maintain it.

If the credit card is overdue for a long time and leaves a bad record in the credit report, you don’t have to be discouraged. Because whether a bank refuses a loan depends on the severity of the overdue situation. Generally, bank regulations stipulate that the number of overdue loans cannot occur twice in the past three months and cannot occur three times within six months. As long as other conditions are OK, you can still get a loan. Therefore, when the loan has passed the repayment period, you must find a way to pay it off in a timely manner to minimize the time and frequency of overdue payments. Do not refuse to repay, leading to serious overdue situations such as "three in a row" or "bad debts". Otherwise, don’t even think about applying for a loan in the past few years.

5. Overdue repair of special positions

For some special positions that are overdue due to emergencies, you can also apply for elimination. For example, if police officers, firefighters, medical staff, etc. go to war zones, epidemic areas, disaster scenes, etc. to work for several consecutive months and are unable to repay their loans in time, they can eliminate bad records by asking their units to issue relevant work status certificates.