The contents of the credit report are as follows:
It is collected by the bank, submitted to the People's Bank of China system, and submitted at the beginning of the next month when your credit card is issued (the specific submission time of each bank is different).
Overdue records can be modified, but it is not clear how many times they are overdue. Instead, add a note to the bank's overdue record, indicating a description, such as non-malicious overdue. Can you comment? I need to negotiate with the bank customer service. I won't comment on you without a reasonable reason. It's hard! Never expired, never expired!
Some people mistakenly believe that credit is overdue. As long as they keep using it, they will cover up the previous bad records. I asked the professional staff and told me that was not the case. Overdue records cannot be overwritten, and the system will automatically eliminate them after 5 years of repayment. If the card is cancelled immediately after the deadline, then this record will always exist.