Speaking of which, in our current society, "credit reporting" is very important to each of us.

Credit information is an intangible asset in each of our lives, affecting every aspect of our lives all the time.

It can be said that in a credit society, credit information is our personal asset.

If there are some problems with your previous credit report and it is not very good, how can you use it to improve your credit report?

(1) Do not apply for credit cards frequently.

Every time we apply for a credit card, the bank will call us to check our credit status.

If we frequently check credit cards, over time, there will be a large number of query records in our credit report.

This can be said to add chaos to our credit reporting.

Because too many credit inquiry records will make the bank think that we are short of money, and will also make the bank worry about our repayment problem.

So under such circumstances, it is also very detrimental to us maintaining good credit information.

So remember, if you want to keep your credit information, you must not apply for credit cards frequently.

(2) Loans and credit card debts must be repaid on time.

A large part of the credit report is the repayment record.

Not overdue and timely repayment is the first step to maintaining a good credit report.

Once the debt is overdue, the overdue payment will be recorded in the credit report and become a stain on our personal credit report.

This will also affect our credit record.

Because the bank will determine that there is a problem with our repayment ability or credit rating.

And this record is difficult to erase and will be recorded in the credit report for five years.

(3) Do not use online loans and various small loans.

Nowadays, various small loans are really emerging in endlessly and diversely.

All Alipay loans, WeChat micro loans, JD.COM IOUs, etc. are of this nature.

These will be directly connected to our credit history.

Because banks will think that we are short of money, we need these online loans.

When you have time, you can check your credit report to see if there are any overdue or erroneous credit records in the past period.

If there is, we must deal with it in time and eliminate the impact of overdue on us as soon as possible. Related Q&A: Related Q&A: What should I do if my credit report is bad? How to make amends?

Hello, I saw that the subject of the question was overdue 21 times in four years, and 3 times were more than 90 days. I would like to ask if it is only the credit card that is overdue? Are there any other liabilities that are past due?

The credit card has been overdue for more than 90 days and has entered the central bank's personal credit system database. There are only two ways to eliminate it at this time. One is to automatically eliminate the bad record after 5 years, and the other is to apply for manual elimination. , according to the regulations of the Central Bank Credit Reference Center, everyone has the opportunity to manually eliminate it every two years. You need to submit an application to the Credit Reference Center. If you meet the conditions, the Credit Reference Center will immediately help you eliminate it.

Jiangjie reminds you that when you are included in the blacklist, do not cancel your card and just maintain normal consumption for a long time. Usually after 2 years. That is, within one year, if someone opens your credit report and takes a look, they will see that there was one bad record before. As long as the subsequent ones are good, the bank can take it into consideration.

There is also a reminder from Sister Kuan: There are many credit repair companies on the Internet, and most of them are scammers, so please be careful.

Your bad records will reduce your points, but as long as you maintain good records for a period of time, your total points will naturally increase again.

The way to offset bad credit card records is simple: spend more with your card and repay on time.

Therefore, it is still recommended that in order to avoid the trouble of using your credit card after it expires, it is best not to overdue it.

After talking about credit cards, Sister Qian will talk more about the maintenance of other overdue credit reports:

1. Caused by bank error: Overdue credit due to bank error.

For example, the bank's credit card annual fee has been adjusted but it was not notified in time; or the bank's own system causes the customer to not receive the bill in time.

Remedy method: You can appeal directly to the bank, explain the situation, and request the elimination of overdue records.

2. Personal information has been misappropriated: Without the person's knowledge, the personal information has been used by the person to apply for a loan at the bank or the credit card has been "overdue" due to theft.

Remedial method: First contact the bank or financial institution related to the overdue record, or file an objection with the local People's Bank of China and apply to eliminate the bad record.

3. Non-malicious overdue: overdue due to unemployment, serious illness, going abroad and other special reasons.

Remedial method: Explain your situation to the bank or relevant institution, negotiate diligently, and ask them to issue a "settlement certificate" to try to remedy the impact of non-malicious overdue payments.

4. Overdue in a short period of time due to personal reasons: Due to personal carelessness and other reasons, there are situations such as underpayment or non-repayment.

Remedial method: Make up the outstanding amount as soon as possible after discovering it is overdue, and proactively contact the bank to explain the situation. If the payment is overdue within a short period of time due to personal reasons in Xinwang Bank, you can apply for the issuance of a "settlement certificate" after taking the initiative to settle the payment.

5. No special reason, overdue for more than 90 days: No special reason, and overdue for more than 90 days.

Remedy: one word, etc. It can only be eliminated naturally through time. To put it simply, a bad credit record can only be eliminated after 5 years of paying off all outstanding debts. And during the remediation period, do not "disappear", maintain good usage habits, and repay your loan on time.

"The "Credit Information Management Regulations" stipulate that credit reporting agencies shall not disclose or use personal bad credit records that have been more than 5 years since the date of termination of the bad credit behavior or event, and since the date of completion of the execution of the criminal law Personal criminal record that exceeds 7 years.”

So you still have to rely on yourself to maintain your credit report. Sister Qian thinks that you should pay more attention to yourself and try not to overdue. If you are on the blacklist, it will affect your future life. Causes great inconvenience!