1. There are also fake loans, resulting in overdue blacklists.
After the fake loan, the real lender was blacklisted for overdue. At this time, you need to go to the local people's bank to file an objection application. Usually, the People's Bank of China will make a factual judgment within 15 working days. As long as it is confirmed that it is not my loan, this bad overdue will be eliminated immediately.
Second, loans overdue within 20 days.
If the lender's overdue behavior occurs within 20 days, generally at this time, the overdue behavior has not been reported, and the lender still has a chance to make up for it. At this time, the lender should take the initiative to pay the arrears of principal and interest, contact the lending institution actively to show that it is not malicious overdue, and inform the reason for overdue, hoping that the lending institution will not record overdue in the credit report. However, for banks, credit records will be published within 3 working days after overdue payment. If it is found that overdue records have been posted, you can only keep your own good credit records at this time, and the overdue records will be automatically eliminated after 5 years.
Three, overdue for more than 20 days.
If it is overdue for more than 20 days, it is basically on the credit record at this time. What the lender can do is to repay the loan as soon as possible, and don't make any overdue behavior, and then cancel the record after five years. However, there are exceptions. Some lending institutions do not report overdue behavior in the morning, and lenders should contact lending institutions as soon as possible to ask whether they can repay the loan.