However, illegal credit reports can be eliminated in three ways:
First, the money returned for credit investigation is basically blacklisted by banks because the money owed to the country has not been returned. This is easy to understand. Even private borrowers will be blacklisted and will never contact each other again. Under normal circumstances, after a private person borrows money and pays back the money, the relationship between two people can be repaired, and so can the state.
Pay off all the money owed to the bank, and under normal circumstances, credit will gradually recover.
Second, normal transactions Many people become credit black households because of abnormal bank account transactions and financial fraud. These people have a great influence on society, so they are blacklisted. If you want to resume normal credit investigation, then you should stop abnormal trading behavior. You can choose to deposit more money in a bank account and then spend it in a shopping mall or other places where you can spend it. This normal consumption behavior can be detected by banks.
Third, many people are blacklisted for using credit cards. They sometimes forget the repayment date, which makes it impossible to repay. Some people can't afford to pay back the money at all, and they have been owing it. People on this blacklist often have to wait three years to resume normal credit investigation after paying off the balance in their credit cards. During this period, it is basically impossible to borrow money from the bank. So in life, people had better not do this kind of debt.