Keep the credit card in a constantly changing state and get rid of the original bad record.
As long as the credit information is not particularly bad, the general bank loan only depends on the status within two years, so that it can be recorded that the bank will agree to the loan.
Second: If it is overdue for a short time, contact the bank immediately after paying it off.
There are processes and time nodes for banks to report credit information, which will also give customers a grace period. As long as it is not malicious, it will be eliminated or not reported to you.
Third: With these characteristics, as long as there are supporting materials, overdue records can be eliminated.
1. Overdue records caused by network delay of repayment system of third-party platform.
2. The customer suffers from major diseases, such as coma, hospitalization, car accident, severe depression or uncontrollable events such as going abroad and isolation.
3. The purchased mortgage loans such as cars and houses are cancelled because the sales contract is confirmed to be invalid.
4. Identity was fraudulently used and credit card was stolen.
These overdue bad records caused by non-subjective will can be applied as objections as long as they can produce proof, and overdue records can be cancelled in advance!
Fourth: the active fault of the bank. Banks are not always right. For example, the customer is unaware of the changes in the rules of the issuing bank, or fails to pay the annual service fee because of not using the credit card.
These things that fail to fulfill the obligation of reminding in time can also be used as objections to apply for cancellation of overdue records!
Fifth: the overdue payment is purely caused by lack of money.
In this case, just keep a good record and wait for 5 years!
After paying off. Credit history won't last long. After five years, the system will automatically clear it.