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There are too many credit card application records in the credit report. How to delete them?
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Ghost tasaxin
The method for eliminating bad credit records is as follows:
1. If bad credit records or bank records are not caused by my own reasons, apply for cancellation.
2. If the credit stain is caused by personal reasons, you should continue to use the credit card, keep the card in good condition within 24 months, and let the new record of the card cover the old bad record.
How many years have credit records been erased?
3 "Credit Management Regulations" has been publicly solicited and reported to the State Council. Among them, the retention period of "bad records" such as credit card failure to repay on time is stipulated as 5 years. If it has been more than 5 years, the credit reporting agency shall be deleted. This provision will provide people with a record of default with an opportunity to repair their credit.
4. If there is a bad credit record caused by credit card repayment or annual fee, as long as you are sincere, take the initiative to contact the bank customer service, explain the reasons and take appropriate remedial measures, and the bank customer service will usually help the cardholder to eliminate the bad credit record. Because credit records are recorded by ordinary banks first and then reported to the central bank. However, in this process, we must grasp the time. Generally, credit cards are overdue, and it is best not to exceed 90 days. Those who exceed this time limit can report to the database of the central bank's personal credit information system.
5. If the bad credit record has entered the database of the central bank's personal credit information system, but the personal negative credit record is caused by the bank, you can communicate with the bank, and the bank can either issue relevant instructions to the central bank to correct it, or take the initiative to ask the central bank to correct it with the bank's certification materials.
6. If you have any objection to the credit record itself, you can personally or in writing authorize others to fill in the objection application form at the Credit Information Service Center of the People's Bank of China or local branches to apply, and the central bank will conduct investigation and evidence collection. If errors are found, the credit record will be revised according to the application and investigation results.
7. If it's really not your fault, it's caused by someone else stealing the brush or the bank, you can lodge an objection with the bank, which may be eliminated after handling.
8. Some cardholders said that due to long overdue, they may be blacklisted or forced to stop their cards. Even so, it is absolutely impossible to cancel their cards. Cardholders can choose to deposit 1- 10 yuan into the card every month to keep the status of the card unchanged, so that bad records will be erased when the central bank extracts information.
9. If the bad personal record of the cardholder is not caused by malicious overdue or bank mistakes, you can apply to the central bank for objection. The Credit Information Center will contact the commercial bank that provides the objection information for verification and reply to the objection applicant within the specified working days. In addition, customers can make personal statements. If customers have different opinions on personal credit records, they can apply to the credit information system to submit personal statements, describe the actual situation of bad records, clarify their personal opinions, and ask for elimination at the same time.