Question 2: How long does it take to eliminate differences in personal credit records and how long does it take to eliminate bad credit records?

According to the "Regulations on the Administration of Credit Information Industry", the retention period of personal bad information by credit information agencies is 5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted.

If the credit card has a bad credit record, it must not be cancelled. If you spend normally and repay normally, your bad credit record will disappear after 24 months, and the bad credit record will not be found, which will naturally not affect your buying a house and a car with a bank loan.

Question 3: Personal credit records can be eliminated in a few years. He is very talented and a master.

Question 4: Who can know exactly how many years personal credit records will be erased and bank credit records will be erased?

When banks inquire about customers' credit records, they generally take the duration of overdue repayment and the number of consecutive overdue days as reference indicators, and generally only refer to the overdue situation in the past two years. Like our bank, customers are generally deemed to have bad credit records only after they have been overdue for three consecutive times or accumulated for six times.

At present, there are seven main situations that lead to bad personal credit records:

First, the "sleep credit card" will still generate annual fees, and it will not generate bad credit records;

Second, credit card overdrafts and mortgages are not repaid on time;

Third, the loan interest rate is raised, and the "monthly payment" or installment is still paid according to the original amount, resulting in overdue interest;

Fourth, when providing a guarantee for the third party, the third party failed to repay the loan on time;

Fifth, the mobile phone number was deactivated and the relevant procedures were not handled. If the monthly fee is overdue, it will also be written into a bad record;

Sixth, the credit card arrears record is generated by others with ID cards or copies of ID cards.

Seventh, the personal credit report will also record some economic judgments of the court. Therefore, economic disputes such as debt will also affect credit records.

Question 5: How to keep personal bad credit records for several years? According to the current regulations of the bank, overdue repayment once will be included in the database of bad credit records. Every financial institution has its own regulations on personal credit data, and its audit policies are different according to its own risk tolerance and business development. Consumers with bad credit records may be rejected by many banks.

If it is an individual's malicious overdraft behavior, according to the regulations of the central bank, the record will exist for 5 years, and this record cannot be erased. If you want to eliminate it, you can only repay it slowly without locking the card. At a certain time, the repayment credit record will overwrite the negative record and be automatically cleared. According to the existing regulations of the bank, if the repayment is overdue for more than 90 days, the bank will intervene in the repayment by sending text messages and telephone contact. If it exceeds 180 days, it will be treated as malicious overdraft. Credit records play a key role in handling credit card and loan business.

Question 6: How long will it take to eliminate bad credit? First of all, personal credit records can be deleted, but it does not mean that other institutions can delete them at will. It takes five years to eliminate personal credit records.

Personal credit records will not follow a lifetime, but personal credit records will record personal credit for nearly five years. If you want to eliminate personal bad credit records, the correct way is to generate good credit records to cover them.

The easiest way is to apply for more credit cards, and try to pay by credit cards for daily consumption, which will generate more credit records. Of course, you don't have to worry too much about your occasional overdue repayment behavior, which generally won't affect the loan.

Because a bad credit record will affect your future loan application, you must maintain your personal credit record. Friends who have applied for personal loans or used credit cards must pay more attention to whether they repay in full and on time, otherwise overdue repayment will cause bad credit records.

Question 7: How long will it take to erase personal credit records? If bad records will be covered after 5 years, and this statement is highly recognized, how can it be covered? Of course, it is covered by a good repayment record, and the card cannot be returned. You should continue to use it and repay it in time, so as to set a new record.

Question 8: There are bad records in credit investigation, which can be eliminated in a few years. "Regulations on the Administration of Credit Information Industry" stipulates that the retention period of personal bad information by credit information agencies is 5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted. When you handle new business, relevant departments will generally give priority to recent consumption and repayment records.

According to the regulations of the People's Bank of China, all card-issuing banks are required to upload customers' consumption and repayment records on a regular basis and cannot tamper with them. If you handle the loan/credit card business in China Merchants Bank, we will not make any bad comments on your usage records, but only truthfully feed back your historical usage records without any subjective judgment.

Question 9: How long will it take for personal banks to get rid of bad credit records and never follow them? From the date when the borrower pays off all debts, it will automatically disappear on the credit report after five years.

Credit card overdue solution:

1. If the cardholder forgets to repay and finds it overdue, he must repay as soon as possible, preferably in full. Call the bank's credit card center and declare the non-malicious arrears. If the overdue time is short, the bank may not calculate the bad record;

2. When the credit card cannot be repaid due to unemployment, illness and other reasons, before the repayment period, the cardholder should take the initiative to get in touch with the bank credit card center to explain his financial situation, declare that he is not in bad faith, and apply for deferred repayment or installment repayment;

3. When the cardholder voluntarily applies for deferred repayment, the bank will often agree to defer repayment, and the bank and the cardholder will agree on a repayment plan acceptable to both parties. In this way, the bank will not record bad records, but it must repay on time after applying for an extension;

4. Credit card repayment information The central bank's credit information system rolls for 24 months, and the credit card overdue repayment record will be kept in the credit information system for two years. If the card is found to be cancelled directly after it is overdue, the information will not scroll, but will be kept for a long time. Therefore, after the cardholder is overdue, it is best not to cancel the credit card immediately. It is best to stick to it for more than 2 years and then maintain a good credit record.

Question 10: How long will personal credit records be erased? According to Article 16 of the Regulations on the Administration of Credit Information Industry, the retention period of personal bad information by credit information agencies is 5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted.