If it is overdue for 6 consecutive times, the user needs to pay off all overdue debts, and then the overdue records will be kept in the credit information for 5 years from the date of repayment, and the overdue records will be automatically deleted after 5 years. If the user fails to pay off the overdue debt, the overdue record will be kept all the time, so the overdue record will directly become a credit stain, and the user will not be able to handle any credit business in the future.

For users, when overdue records are deleted depends on when users pay off their debts, and outstanding overdue records will always be kept.

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First, how to maintain good credit if it is overdue for 6 times?

If you want to maintain good credit, you need to find out whether overdue is subjective or subjective, and prescribe the right medicine.

1. Non-subjective overdue credit information repair If non-subjective overdue, such as overdue caused by non-malicious arrears, such as the annual fee and interest of credit cards, is ignored by cardholders because of the small amount, you can apply to the issuing bank. It is not personal malicious arrears, and explain the reasons, which may eliminate overdue records. If the overdue is caused by the bank's active negligence, such as the system upgrade can not be smoothly deducted, the annual fee adjustment of credit card can not be notified to the user in time, and the third party fails to repay the loan, you can try to apply to the bank to eliminate the overdue record.

2. Subjective overdue credit information repair If it is subjective overdue, that is, the credit party is unable to repay on its own, or forgets the repayment date and fails to repay in time, it is a personal fault and cannot apply to the bank for cancellation of overdue records. If you want to get a good credit report after being overdue for six times, you should settle the arrears at the first time. The shorter the overdue time, the smaller the negative impact. If the credit card is overdue, it is not recommended to cancel it immediately after repayment. It can be used normally for two years, and the past negative records can be covered with new good credit records.

Second, lending institutions generally only look at the applicant's credit reports in the past two years. If you use the loan or credit card normally within two years and repay it on time, the overdue record will have little effect after two years. After five years, overdue records will be automatically eliminated without negative impact. Everyone must know how to keep the credit report after it is overdue for six times. There is a record of overdue credit report. Whether it is intentional or unintentional overdue, as long as it happens, it must be handled in time, otherwise it will have a greater impact on the future.

My credit card has been overdue for 6 times on 20 17. Can I apply for a mortgage now?

You can apply for a mortgage. Banks will refer to the number of overdue loans in the past two years when approving loans. Under normal circumstances, it will be difficult for couples to obtain loans if they are overdue for three consecutive times or six times in two years.

According to the degree of overdue credit, it can be roughly divided into the following two situations:

1. Only one or two credit cards have expired. Generally, such banks will not refuse to lend, but may raise the loan interest rate appropriately, which is the first case mentioned above. Buyers can ask more banks, because if the mortgage interest rate of real estate cooperative banks is favorable, they can enjoy preferential treatment when applying for loans in some banks, so choose the one with the lowest interest rate.

2. The credit card is overdue for three consecutive times or six times in two years. Generally speaking, when approving mortgage loans, banks will refer to the number of overdue loans in the past two years. Under normal circumstances, one of the husband and wife fails to repay the loan for three consecutive times or six times in total, and will not be able to obtain the loan.

Extended data:

Reasons for refusing loans

The reason for refusing the loan is overdue repayment, which can be divided into "current overdue situation", "historical overdue situation" and "continuous overdue times" of the applicant. The following is the main explanation:

1. Current overdue situation. If the applicant has overdue repayment in the current month, the bank will not continue to approve it. Unless the applicant repays the overdue debt immediately, he must also provide a "repayment receipt" (deposit receipt).

2. History is overdue. Generally speaking, banks will not accept overdue for more than 6 times. However, if there are three reasons for overdue, banks will generally accept loan applications.

3. Continuous overdue times. Banks are generally reluctant to accept applicants who are overdue for more than three times. However, nothing is absolute. In practice, whether the loan can be approved is also related to the tightness of the overall national credit policy and the applicant's comprehensive qualifications, such as work, income, assets and so on.