For banks and loan companies such as Jieyue United, the credit recovery time is five years, provided that the bad record has been terminated. If the loan has been paid off, according to the regulations of the central bank, the user's bad records will be kept for five years, and will be automatically deleted after five years, and then the credit will be restored to a good state, but if the loan has not been paid off, the credit will not be restored. 、

First, the Czech-Vietnamese alliance

Beijing Jieyue United Information Consulting Co., Ltd. is a comprehensive consulting service platform with Internet technology as the carrier, integrating finance and industry to serve the real economy. 20 13 The business scope of the company established in Beijing covers wealth management consulting services, credit data integration, credit risk assessment and management, financial leasing, etc.

Second, what is a credit report?

Credit report can be divided into personal credit report and enterprise credit report. Credit reports can be divided into three categories, namely personal basic information, credit transaction information and other information. Personal basic information, including name, certificate type and number, mailing address, contact information, marital status, residence information, occupation information, etc. ; Credit transaction information, including credit card information, loan information and other credit information; Other information such as provident fund and pension information. Personal credit information system, the new version of credit information report has been put into operation, and the validity period of overdue records is set at 5 years.

Third, the consequences of bad credit reports.

The adverse consequences of credit investigation are: 1. The credit card application was rejected. When users apply for credit cards, banks should check their personal credit. If the applicant has a bad record, it will be rejected. 2. The loan application was rejected. When a user applies for mortgage, car loan or other loans, the bank will check the applicant's personal credit before approving the loan. If the credit is not good, the loan application will also be rejected. 3. Travel is affected, and people with bad credit records will affect users' normal travel by plane, high-speed rail and train. 4. Work is affected. Before an employee joins the company, the company will investigate the employee. If there is bad credit, it may affect employees' entry.