To eliminate overdue credit records, the details are as follows:

1. To eliminate overdue credit records, only those who meet the conditions will apply to the central bank credit agency or credit agency. eliminate. For example, if you apply for a loan with a counterfeit card and it is overdue, or if there is a problem with the loan institution's system and the repayment is unsuccessful, the bank can only apply for cancellation if it fails to notify the fee adjustment and part of the debt is overdue;

2. But if If the individual is overdue on his own initiative, he will not be given the opportunity to eliminate the overdue record. You can only pay off overdue debts and wait for time to slowly erase bad credit. After 5 years, the credit report can be repaired on its own. During the restoration period, if you want to get a loan or apply for a card, it is recommended to improve your credit for at least 3 months through the following methods;

3. Timely repayment: In addition to loans, businesses directly linked to credit reporting are credit cards . Pay off more credit cards. After use, repayment should be made before the end of the repayment date according to regulations. Those who can afford it are best to repay in full. If you cannot repay the loan in one go, you should repay it in installments according to the situation. The minimum repayment amount cannot be overdue in any case;

4. Don’t mess around: Do not apply for loans or credit cards in the short term to reduce the number of credit inquiries. Some people may not want to get a loan, but if they want to check how much they can get, don’t click on it, otherwise they may check their credit report once and it will be difficult to do so.