My credit card was overdue for more than half a year, and I finally returned it all. After I paid it off, I cancelled it. Can I still bleach my credit report?
No, there is no such thing as bleaching the credit report. Even if you pay off the debt, your personal credit report has an expected record, but it's good that the personal credit report has a cycle of 7 years. However, if your original record is good, it will become a white account after 7 years, provided that you have no debt. In addition, if you want to make a mortgage, you can borrow as long as there is no expected bad record for the next 3 years from the date when you pay off the debt.