Try your best to communicate with him first and clarify the fact that you have paid off. If it doesn't work, you need to sue.

Jiufu Wanka PICC has compensated. You should contact PICC as soon as possible to make repayment and ask the other party to issue a settlement certificate. If you have difficulty in repaying the loan, you should truthfully inform the insurance company and the two parties will negotiate on the repayment matters. If the loan is overdue and is repaid by the insurance company, it is best to deal with it and pay it off in time. In this case, if the repayment is not carried out for a long time, the repayment record will be retained in the credit report. It will not only affect the personal credit report, but also have a negative impact on future life. adverse effects.

1. What are the behaviors that affect personal credit reports?

1. Overdue credit card payments

Overdue credit card payments three times in a row (or a total of six times within two years) , or failure to repay overdraft consumption will form a bad credit record. These are obviously cases of failure to pay back money. I believe everyone will be very alert to these problems.

2. Providing guarantees for third parties may also result in bad records

Don’t think that only overdue loans will cause bad records on your credit report. In fact, if you are If you are a guarantor for someone else's loan, it may also appear on your report if the borrower fails to repay on time. Therefore, in addition to urging the parties to pay off the money as soon as possible, what you can do is to take preventive measures in the future. The loan guarantor has a heavy responsibility, so be careful before signing!

3. Water bills, electricity bills, gas bills, telephone bills, owing small amounts of money or big troubles

It is worth noting that water, electricity and gas companies in some cities have begun to ask individuals for credit The system provides information on fees paid by local residents, including normal payments and arrears. Therefore, everyone must pay attention to paying relevant water and electricity bills on time.

2. How to judge whether the personal credit report is good or not

1. What contents does the credit report contain?

(1) Basic personal information

(2) Information summary

(3) Credit transaction information details

(4) Public *** information details

(5) I Statement

(6) Objection Marking

(7) Inquiry Records

2. How to read bad loan records in the credit report

In In the personal credit report, items 2 and 3 will record the user's loan information. You can check your "number of credit card accounts" and credit details.

If you want to see bad information, check the overdue and default information summary in the 2nd information summary, and check the repayments from X year and month to X year and X month in the 3rd transaction information details. Records, you can see overdue information.

3. How long is the personal credit report valid?

The credit reporting agency’s retention period for personal bad information is 5 years from the date of termination of the bad behavior or event; if it exceeds 5 years , should be deleted.

The borrower needs to provide his or her credit report issued by the bank within 15 days, that is, credit reports older than 15 days are invalid. This is to accurately understand the borrower's credit situation in the most recent period before applying for a loan. If the credit report is issued too long ago, there will be a credit blank period.