1. Provide evidence: prepare relevant proof materials, such as repayment receipts and bank statements, to prove that you have repaid. Make sure the evidence is clear and can strongly support your objection.
2. Contact the bank: contact the banking department responsible for credit investigation and submit a written application. In your application, clearly state the reasons why you disagree with the specific credit record, and attach relevant evidence. Make sure the language of the application is concise.
3. Follow-up: Follow up the progress of the bank in handling your objection application. The bank will conduct investigation and verification and process your application according to the investigation results.
4. Negotiation: If the bank confirms your objection and agrees to correct or delete the relevant credit records, you can negotiate with the bank and put forward the conditions for restoring your good credit records. Possible bargaining contents include extending repayment time, reducing penalty interest and reducing overdue records.
5. Supervision and review: Once the bank agrees to modify the credit record, ensure timely implementation. Supervise the bank to update your credit information in the credit information system to ensure that the revised records accurately reflect your repayment situation.
Abstract: Objection handling is a way to correct inaccurate credit records by submitting applications, so as to help borrowers restore good credit. Prepare sufficient evidence, contact the bank and submit a written application, follow up the progress and negotiate, and finally supervise the bank to update its credit record.
Extended data:
-The success of objection handling depends on the supporting materials provided and the survey results of the bank;
-The submission of complete, accurate and powerful evidence is essential for reasonable handling;
-If the bank refuses to handle your objection, you can complain to the relevant regulatory authorities and provide evidence to support your complaint.
(The above answer is about 30 1 word)