Lao Lai became a white household after paying off his money for five years. White households refer to credit information.

There is no record in the report, it is blank. The credit report records the use of loans and credit cards, so white households also say that they have never done credit cards and loans. The so-called white credit account refers to a person who has never applied for a loan or credit card from any financial institution and whose personal information has not been entered by the Credit Information Center of the People's Bank of China. White households can be divided into white households and pure white households. White households refer to those who have a record of applying for loans or credit cards, but failed for more than half a year; Pure white household means that there is no record of any loan or credit card application, and personal credit information is completely blank. The difference between white households and pure white households is that white households have application records, which will be reflected in the inquiry records of personal credit reports; This pure white family has no credit or credit card records. Although it is relatively difficult for white households to apply for loans, it does not mean that they cannot borrow. If the borrower can provide valuable proof of repayment ability, it will be easier to get a loan. White letter users can try to apply for a credit card first. To apply for a credit card, they need to have a stable job at present, and pure white households can also apply. Users can continue to use the credit card for more than half a year, and repay in full and on time before the due repayment date, so as to maintain a good repayment record and a good personal credit record, and then apply for a loan more easily.

Legal basis:

Article 11 of the "Several Provisions of the Supreme People's Court Municipality on Publishing the Information of the List of Persons Executed for Breach of Trust" A citizen, legal person or other organization listed in the list of persons executed for breach of trust may apply to the enforcement court for correction under any of the following circumstances: (1) It should not be included in the list of persons executed for breach of trust; (2) The information of dishonesty recorded and published is inaccurate; (3) The untrustworthy information that should be deleted. Article 9 If a citizen, legal person or other organization that should not be included in the list of persons subjected to dishonesty is included in the list of persons subjected to dishonesty, the people's court shall revoke its information of dishonesty within three working days. If the recorded and published information is inaccurate, the people's court shall correct it within three working days.

Derivative problem:

Guarantee is blacklisted, how to apply for cancellation?

After the lender or guarantor pays off the money, he may contact the court to cancel the blacklist. The retention period of personal bad information is 5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted. The information recorded by the credit information system includes positive and positive information, as well as some negative information. It should include that after the loan relationship with the bank, the principal and interest are not repaid at the time required by the contract, and the default and repayment will be truthfully reflected in the credit record, which will have a negative impact on personal credit.