1. Pay off the overdue debt as soon as possible

After the loan is overdue, due to the user's own reasons, the overdue debt can only be paid off and the overdue record will be automatically recorded. delete. After the user pays off the overdue debt, the overdue records will be retained in the credit report for 5 years from the date of repayment. After 5 years, the overdue records will be automatically deleted by the credit report system. The sooner the user pays off the overdue balance, the sooner the overdue record will be deleted. After overdue records are paid off, even if they remain in your credit report, their negative impact will continue to decrease. When overdue records are kept for more than 3 years after being paid off, you can even try to apply for a credit business with partial credit check.

2. Apply to the lending institution to cancel the overdue record

If the overdue record is not caused by the user himself, the user can retain the relevant evidence and submit it to the lending institution for review, and then submit it to the lending institution. Apply to cancel overdue records. After the lending institution applies to the credit reference center, it will submit relevant supporting materials to the credit reference center for review. In this case, the application can generally pass the review. Within a few working days after a successful review, the Credit Information Center will delete the user's overdue records. Users can also appeal to the credit reference center themselves, and then the lending institution submits supporting materials to the credit reference center for review.

3. New records replace old records

If a credit card has a bad credit record, the user should pay off the debt in time and continue to use the card, so that the credit reporting system will generate new credit card usage Record. The central bank's credit reporting system will record credit card repayment records in the past 24 months. If the previous bad credit record existed for more than 24 person-months, the new record will overwrite the old record, and the negative impact of the previous bad credit record will be minimized.

Customers are advised to develop a good habit of repaying loans on time and try to avoid overdue payments. Once it is overdue, bad information will appear in the personal credit report, which will affect the subsequent processing of credit business, making it difficult to successfully handle it in a short period of time. If you are not sure about your credit status, you only need to search: Kuaikachai, find this WeChat applet, pull out your online loan debt details and overdue credit status, and make a repayment plan based on your situation.