Question 1: How long does it take to eliminate bad records after paying off bad debts on Bank of Communications credit cards? Hello,

The People's Bank of China stipulates that all card-issuing banks must upload customers' consumption and repayment records regularly and cannot be tampered with. The bank will not make any negative comments on your usage records, it will just give you honest feedback on your historical usage records without any subjective judgment. If you subsequently apply for a loan, the lending bank will comprehensively refer to your credit record, not just for a certain period of time. If you can maintain a good consumption and repayment record, your credit will continue to increase.

Credit card repayment information will be recorded by the central bank's credit reporting system on a rolling basis for 24 months. That is to say, bad credit records caused by overdue credit card repayments will be kept in the credit reporting system for two years. If terminated with a card, the corresponding records will no longer scroll

but will be saved for a long time. Therefore, after an overdue payment on a credit card occurs, it is best not to cancel the credit card immediately after paying off the debt. Instead, you should insist on using the card for more than two years and keep your credit good during the period, so that you can rely on

scrolling Record and remove bad records from the credit reporting system.

The "Regulations on the Administration of the Credit Reporting Industry" stipulates that the credit reporting agency shall retain bad personal information for 5 years from the date of termination of the bad behavior or event; if it exceeds 5 years, it shall be deleted.

Question 2: How long does it take for the credit report to be cleared after the bad debt is paid off? 20 points. After the bad debt is paid off, the credit report will be updated after five years.

At this time, you can negotiate with the bank's head office or card department to block this record within 7 days when you apply for a loan, so that you can smoothly handle the credit approval of credit cards and loans. I have had clients do this before, absolutely. It can be successful, it depends on how you communicate.

Question 3: Will the bad debts in the credit report be eliminated after they are paid off? The cancellation process (good records need to be maintained for 24 months):

1. Submit personal information and inquire about the individual Credit report;

2. Raise a personal credit objection, and the bank will apply for objection;

3. Fill out the "Personal Credit Report Objection Application Form", and then the commercial bank will submit a "Correction" "Personal Credit Report";

4. Wait for the "Personal Credit Report Objection Reply Letter" from the Credit Bureau. If there are no problems, it will be cleared within 5 working days

Bad debts: refer to those that have been If the repayment period is over, the debt cannot be recovered after being called upon, it will remain in a sluggish state for a long time, and it may become a bad debt. Bad debts are receivables that are the result of failure to clear accounts in a timely manner, and also refer to financial resources that cannot be recovered because the other party does not repay. Simply put, it is an account that has not been paid off for a long time.

Formation and identification of bad debts:

For debts that cannot be recovered after repeated collections (including cases of lost contact), the identification of bad debts needs to be reported to the relevant superior department for approval.

The impact of bad debts on us:

Since bad debts are a relatively serious overdue situation in the Hong Kong Economic Journal (much more serious than general overdue situations), as long as there are bad debts in the Hong Kong Economic Journal, Unable to handle bank business and apply for credit cards and loans. If bad debts are not dealt with, they will remain with you for a lifetime. In some cases, even if you pay off the debt, the bad debts will still remain in the newspaper.

Question 4: Because the bad debts are closed after the account is closed, how long will it take for the credit record to be cleared after five years?

Question 5: After the bad debts are paid off. . Can a credit reporting system eliminate bad debts? How to eliminate five years after 2016?

Question 6: After paying off the loan, will the bad debts be eliminated immediately? Yes

Question 7: How long will it take to repay the bad debts after the credit report? : refers to debts that have passed the repayment period, cannot be recovered after being called upon, are in a sluggish state for a long time, and may become bad debts. Bad debts are receivables that are the result of failure to clear accounts in a timely manner, and also refer to financial resources that cannot be recovered because the other party does not repay. Simply put, it is an account that has not been paid off for a long time.

Question 8: I have paid off my credit card bad debt for more than 3 months. Is there a way to remove bad debts from my credit report? As long as there is a late payment, there will definitely be a record on the credit report. Personal credit reports are kept at the People's Bank of China, and overdue records will be retained until the fifth year of repayment.

Question 9: Pay off the credit card bad debt and close the account. How long does it take to apply for a card?

It can be applied now

Question 10: How long will it take for the bad debts of the People's Bank of China to be eliminated after repayment? 1. Detailed introduction to the syllabus of the People's Bank of China recruitment examination and analysis of the examination situation.

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