1. Pay off overdue debts as soon as possible.
After loans overdue, overdue debts due to the user's own reasons will be paid off, and overdue records will be automatically deleted. After the user pays off the overdue debts, the overdue records will be kept in the credit information for 5 years from the date of paying off, and will be automatically deleted by the credit information system after 5 years. The sooner users pay off overdue debts, the sooner overdue records will be deleted. After the overdue records are paid off, even if they remain in the credit information, their negative impact will continue to decrease. When the overdue records are kept for more than 3 years after being paid off, you can even try to apply for some credit business for credit investigation.
2. Apply to the lending institution for cancellation of overdue records.
If the overdue is not caused by the user's own reasons, the user can keep relevant evidence and submit it to the lending institution for review, and then apply to the lending institution for cancellation of overdue records. After applying to the Credit Information Center, the lending institution submits the relevant certification materials to the Credit Information Center for review, and generally it can pass the review. Within a few working days after the successful audit, the Credit Information Center will delete the overdue records of users. Users can also complain to the credit center themselves, and then the lending institution will submit the certification materials to the credit center for review.
3. Apply to the judicial organ for credit restoration.
There are records in the credit report, such as telephone bills, utilities and so on. As long as the overdue is not caused by my own reasons, users can sue in court. After the relevant institutions respond to the lawsuit, the court will make a judgment. Usually the judgment result is to let the relevant institutions cancel the overdue records. In this way, the overdue records in the user's credit information will be appealed to the credit information center by the relevant institutions, and then the credit information center will delete the overdue records.
4, the new record to replace the old record
The credit card has a bad credit record, and the user must pay off the arrears in time and continue to use the card, and the credit information system will generate a new credit card usage record. The central bank's credit information system will record the repayment records of credit cards in the past 24 months. If the previous bad credit record exists for more than 24 months, the new record will overwrite the old record to minimize the negative impact of the previous bad credit record.
Tips: Users who have objections to the personal credit report can reflect the wrong information through three channels and ask for verification and handling. First, I or entrust others to declare to the credit management department of the local branch of the People's Bank of China; The second is to report directly to the Credit Information Center of the People's Bank of China; The third is to entrust the commercial bank agency directly involved in the wrong information to reflect.
Key points of overdue recovery of credit information
1. After overdue, users should pay off overdue debts in time to avoid extending overdue time. The longer the overdue period, the greater the negative impact. For users, the more arrears that need to be repaid will increase the repayment burden of users and hinder users from paying off overdue debts as soon as possible.
2. After loans overdue, the user needs to repay the overdue debt in full. Full repayment requires the return of overdue principal, liquidated damages and overdue interest. If the user only returns the overdue principal, it is not a full repayment. If the lender fails to repay the loan in full, it shall be deemed as overdue.
3. After the credit card is overdue, users should not directly cancel the credit card, because the overdue debt is paid off and the credit card is directly cancelled, so the overdue record will be deleted after 5 years. After the user continues to use the credit card and pays off the overdue debt, the new record will replace the old record after 24 months.
4. After paying off overdue debts, users need to maintain a good credit record for a long time. Once a new overdue record is generated, the recovery time of personal credit information will be postponed in the future.