in a word, after the bad debts are found in the credit report, we should first find out the reasons, and then repay or deal with them as soon as possible. It should be noted, however, that the record of bad debts will not disappear after paying off the debts or handling the asset disputes properly, because the records in the credit report will be kept for five years, which means that it will take five years to clear the bad debts from the date of paying off the debts. If it is not handled all the time, it will always be displayed in it.
1. Credit investigation activities originated from the emergence and development of credit transactions. Credit is a special form of value movement based on repayment, including monetary lending and commodity credit sales, such as bank credit and commercial credit. Modern economy is a credit economy, and credit, as a specific economic transaction, is the product of the development of commodity economy to a certain stage. The essence of credit is a kind of creditor-debtor relationship, that is, the lender (creditor) believes that the trustee (debtor) has the ability to repay, and agrees to the promise of future repayment made by the trustee. However, when the commodity economy is highly developed and the scope of credit transactions is increasingly extensive, especially when credit transactions spread to the whole country and the whole world, it will be extremely difficult for one party to know the credit status of the other party. At this time, it becomes a demand to know the credit standing of the market transaction subjects, and credit investigation activities also emerge as the times require. It can be seen that credit investigation is actually produced and developed with the emergence and development of commodity economy, and it is a credit information service provided for credit activities.
2. Credit investigation can restrain the behavior of enterprises and individuals from the system, which is conducive to the formation of a good social credit environment. However, China has advocated the virtue of honesty and trustworthiness since ancient times, and promoted the formation of the concept of honesty through moral criticism. Honesty is a kind of social morality, a basic principle of dealing with people. Honesty and trustworthiness are indispensable virtues for enterprises and individuals. Shanxi merchants and Huizhou merchants, who once dominated Chinese commerce for hundreds of years, can rise to the top, and one core is to establish the business concept of "honesty-oriented".