The bad credit information caused by guarantee is because the guarantor fails to fulfill his obligations as agreed in the contract, which affects the credit information record of the guaranteed object. To solve this situation, first of all, we should take corresponding measures to urge the guarantor to fulfill his obligations as soon as possible, and at the same time, we should provide true and accurate data to the credit reporting agency in time to clarify the repayment of loan debts.

If the guarantor fails to fulfill his obligations in time, it can be solved by legal means, such as applying to the relevant departments for handling, or forcing the guarantor to fulfill his obligations by litigation.

In addition, in order to solve the bad credit reporting caused by the guarantee, the relevant certification materials of the guarantor and the proof that all the collateral has been paid off should be provided to the credit reporting agency so as to update the credit reporting records.

At the same time, we can make up for the lack of guarantee by paying the deposit, adding collateral or supplementing the guarantee, and ensure that the credit record of the guaranteed object is updated and reconstructed.

Second, how to deal with the strong credit information generated by the guarantee?

After you guarantee for others, the guarantee information will be entered into the financial personal credit information system. No matter whether it is an enterprise guarantee or an individual guarantee, it can only be eliminated after the borrower settles the loan with the loan financial institution.

Third, how to solve the personal credit problem with visa guarantee

Don't worry, guarantee the ability of capital. The bank issuing the loan has the obligation to review its guarantor, including the guarantor thinks that the bank has issued the loan and the bank must fulfill the guarantee.

Guarantee refers to the promise that the law takes the credit or specific property of the debtor or the third party as a guarantee for a specific creditor to realize its creditor's rights, and it is a constraint on the behavior of the guarantor and the guaranteed. Guarantee generally occurs in economic activities. If the guarantor fails to fulfill his promise at that time, the guarantor will generally fulfill his promise on his behalf. Judging from the content of China's guarantee law, the guarantee of debt should be said to be a method to promote the debtor's performance of debt and ensure the realization of creditor's rights with certain property of the parties.

Guarantee can be divided into general guarantee and joint liability guarantee. The enforcement of joint and several liability guarantee by law depends on the witness of the litigant, the borrower or both the borrower and the guarantor. Banks can apply for compulsory execution of borrowers. If they are unable to repay, the bank can declare cancellation, but the account will be filed. Once the borrower does not give up, the bank can apply for continued enforcement until the loss is recovered.

Extended data:

The Regulations on the Administration of Credit Information Industry stipulates that the retention period of personal bad information by credit information agencies is 5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted. When you handle new business, relevant departments will generally give priority to recent consumption and repayment records.

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1, it will be more difficult to apply for a loan or credit card again: because one of the examination conditions for applying for a credit card or loan is whether there is an overdue record of credit information, which will inevitably affect the subsequent loan or credit card application;

2. Being: loans overdue still fails to repay the loan after the credit investigation. If it is overdue for more than 90 days, it will be regarded as malicious overdue, and may be brought to court by the borrowing institution. If the circumstances are serious, it may be jailed;

Travel restrictions: loans overdue has not returned, and children's schooling is affected.

Fourth, how to restore the guarantee after entering the blacklist?

After the lender or guarantor has paid off the money, he can cancel the blacklist through contact cancellation. The retention period of personal bad information is 5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted. The information recorded by the credit information system includes positive and positive information, as well as some negative information. It should include that after the loan relationship with the bank, the principal and interest are not repaid at the time required by the contract, and the default and repayment will be truthfully reflected in the credit record, which will have a negative impact on personal credit. The guarantor must cancel the blacklist by repaying the debts owed by the guarantor, and the influence will be eliminated after five years. According to the "Regulations on the Administration of Credit Information Industry", "the retention period of personal bad information by credit information agencies is 5 years from the date of termination of bad behavior or events; More than 5 years, should be deleted. During the retention period of bad information, the information subject may explain the bad information, and the credit reporting agency shall record it. " The guarantor can be released after five years. According to the provisions of relevant national laws and regulations, when one party guarantees loans for others and is blacklisted, it is necessary to urge the lender to pay off all debts, and its bad records will be deleted from the personal credit information system after five years. 1. In any of the following circumstances, the security interest is extinguished: (1) the principal creditor's rights are extinguished; (2) the realization of security interests; (3) The creditor waives the security interest. (4) Other circumstances in which the security interest is extinguished as stipulated by law. 2. The following properties that the debtor or a third party has the right to dispose of can be mortgaged: (1) buildings and other land attachments; (2) The right to use construction land; (3) the right to use the sea area; (4) Production equipment, raw materials, semi-finished products and products; (5) Buildings, ships and aircraft under construction; (6) means of transportation; (seven) other property not prohibited by laws and administrative regulations. The mortgagor may mortgage the property listed in the preceding paragraph together. Legal basis: Article 518 of the Interpretation of the Supreme People's Court on the Application of the Civil Procedure Law of People's Republic of China (PRC), if the person subjected to execution fails to perform the obligations specified in the legal documents, the people can not only punish the person subjected to execution, but also include him in the list of people subjected to dishonesty according to the circumstances, and inform his unit, credit reporting agency and other relevant institutions of the information that the person subjected to execution fails to perform or does not fully perform his obligations. Article 16 of the Regulations on the Administration of Credit Information Industry stipulates that the retention period of personal bad information by credit information agencies is 5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted. During the retention period of bad information, the information subject may explain the bad information, and the credit reporting institution shall record it.