; ? Nowadays, sesame credit score plays an increasingly important role in people's daily life. Many travel, accommodation and articles can be used with Sesame Credit Point without deposit. Sesame credit score is also related to the success rate of borrowing and opening accounts, as well as the pass rate of private microfinance applications, so the maintenance of sesame credit score is very important, so how to eliminate it if sesame credit accidentally has a negative record? How long will it disappear automatically?

First, how to eliminate the negative record of Alipay Sesame Credit

You can check your negative record of sesame credit. If there is any abnormality or mistake, and the debt has been paid off (fulfilling the obligation), you can submit a complaint.

Complaint method: enter a negative record complaint in Alipay-My Customer Service, and the customer service will send a complaint entry.

On the appeal page, you need to indicate the specific reasons, reasons and appeal requirements (such as appealing to modify the contents of overdue records, requesting to delete overdue records, etc.). ).)

After submission, Alipay customer service will review it. If it is really wrong, it will prompt that the complaint has been successful, and then check the negative record of Sesame Credit to see if it has been deleted.

Generally speaking, the success rate of negative appeal of Sesame Credit is related to the lender. If the loan has been repaid in full and a complaint is submitted, and the lender has no objection, then the negative record will be deleted.

Second, how long will the negative record of Sesame Credit be eliminated?

The negative record of sesame credit will be automatically eliminated after 5 years from the date of re-performance. Note: after the performance of the contract, if the arrears are not paid back, then the negative record cannot be eliminated and will always be displayed.

In addition, the negative record of life will be eliminated within two years after it is paid off. So what are the negative records of life?

Except for financial liabilities and court liabilities, others are all negative records of life.

1, financial negative: overdue loans (cash loans, consumption installment, bank credit cards, etc. )

2. Negative of the court: dishonesty reported and disclosed by the court, such as dishonesty of the executed person.

To sum up, if you want to cancel the negative record of sesame credit, you must first pay back the money, reach an agreement with the lender, and then fill in the negative statement form of sesame credit, which can be cancelled after customer service review. Otherwise, it will take 2-5 years to be eliminated automatically.