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 incident; More than 5 years, should be deleted. That is to say, personal bad credit records can be automatically eliminated within five years in general, but there will be a special situation: if the bad debts recorded in personal credit records are recognized by relevant departments (that is, the repayment period has passed, and it cannot be recovered after collection, and it is in a sluggish state for a long time), this bad credit record will directly follow the individual's life.

Common handling methods of bad credit card records: 1. Take the initiative to contact the bank to negotiate a solution. If it is non-malicious overdue, you can contact the bank in time and explain the reasons to it. Generally speaking, banks are willing to help if there are justified reasons, but you must seize the opportunity. It's futile to overdue for too long.

2. Pay the arrears in time and maintain good repayment habits. This method is suitable for overdue credit cards, that is, the cardholder will pay off the arrears in time and then maintain a good repayment habit, so that the bad record will be covered by the good record, thus forming a new good credit record, but the card cannot be cancelled.

3. Make a meaningful application. If you have any objection to the credit record, you can bring your ID card and file an objection application with the credit center of the local central bank. After the central bank verifies that there is indeed an error, it will make corrections according to the survey results.

If the bad credit is caused by the bank, you should apply for cancellation immediately. If the personal credit record is bad due to bank reasons, you should provide relevant evidence and contact the "involved" bank in time to ask it to eliminate the bad credit.

How to eliminate bad credit card records

First, if there is a bad credit record, the elimination time can be divided into two situations.

1, credit card overdue record.

Credit card repayment information will be recorded by the central bank's credit information system for 24 months. If there are no new records after the deadline, this information will be saved for a long time. Therefore, after the credit card is overdue, don't cancel it immediately, but insist on using it for more than two years, and make records to eliminate overdue records.

2. Bad credit record of loans

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. Therefore, if the loan has a bad credit record, as long as it is no longer overdue within 5 years, the record will be automatically eliminated.

Second, the method of eliminating overdue records.

1, short-term overdue, take the initiative to contact the bank after making up the arrears; Not all overdue records will be immediately displayed in the personal credit report. Some banks will have a few days' tolerance, while others will report overdue records to the central bank's credit information center next month, so you should contact the defaulting bank as soon as possible after discovering overdue, and strive to solve the problem before reporting;

2. If the overdue time exceeds 90 days, pay off the arrears and maintain good credit habits: in addition to paying off the arrears, remember to pay penalty interest. In addition, don't return the card immediately, and continue to maintain good consumption habits. After 5 years, bad records will be automatically eliminated. Except for mortgages, most loans only refer to credit records within two years;

3. Unexpected overdue requires the bank to issue a "non-malicious overdue certificate": banks are also human beings. If you are overdue due to unemployment, illness, going abroad, etc. Take the initiative to contact the bank to explain your actual situation and issue a "non-malicious overdue certificate" so that the loan can be settled;

4. If it is overdue, submit an "objection application": Many people's overdue credit reports are not caused by themselves, but may be caused by "fake loans". Contact the bank to explain the situation, and then submit an objection application to the local China People's Bank Credit Information Center. Generally 15 working days can eliminate this bad overdue record.

How to eliminate bad credit records

How to eliminate bad credit records

How to correctly eliminate bad records after they are produced;

First, when there is a bad credit record, it is necessary to find out the reason at the first time.

2. When the bad record is caused by your own mistakes, you should pay off the debts as soon as possible. If it is a credit card, it is recommended to stick to this credit card for more than 5 years and keep regular monthly repayment. If it is convenient, you can choose to bind a card for automatic repayment. Because the bad record will not be terminated because the credit card is cancelled, the bad information needs to be displayed for 5 years from the date of termination of the bad behavior or event.

Third, when the bad credit record is not caused by one's own fault, it is caused by some institutional errors, such as: one's own information has been stolen and fraudulently used, the adverse effects caused by unauthorized inquiry by institutions, and the information displayed in the credit report is wrong. Individuals can apply to the relevant institutions for objection.

1. When your information is stolen or fraudulently used, you should report it to the public security organ from the moment you know the news, and go to the bank to fill out a statement denying the card or loan. When the bank confirms that the loan or credit card has nothing to do with the customer, then the bank will immediately modify the customer's credit record.

2, if the agency ultra vires query caused adverse effects. If, within a period of time, my personal credit report has been inquired by different banks for many times due to loans, credit card approval and other reasons, and I have not agreed to inquire beyond my authority, I have not applied in person. You can ask questions to the inquiry institution or report to the branches of the People's Bank of China. Because when the records in the credit report show that the applicant has applied for loans or credit cards many times during this period, but has not obtained new loans or credit cards, it may indicate that the person has applied for loans or credit cards from several banks but failed, and such information may adversely affect the person's obtaining new loans or applying for credit cards.

3. If the information shown in the personal credit report is wrong, I need to personally file an objection application with the branch of the People's Bank of China.

How to eliminate bad credit card records

Two methods:

1. Ask the bank to help delete overdue records.

Banks usually upload customers' credit card and loan repayment records to the People's Bank of China once a month, so there is still a chance to delete overdue credit card records before the bank uploads them to the People's Bank of China.

If the repayment is overdue for two or three days due to forgetting or other reasons, you can immediately contact the customer service of the bank credit card center to explain the overdue repayment in detail and ensure the repayment on time in the future. Banks are usually very reasonable and will help delete overdue records. However, the premise is that the previous credit is good and the overdue time is not long. If there have been many overdue records before, don't expect anything in this regard.

2. Require banks to issue non-malicious overdue certificates.

If it has been overdue for a period of time, and the overdue record has been uploaded to the PBOC credit information system when contacting the bank customer service, you can still communicate with the bank well. Take out a sincere attitude and the proof materials that the bank needs to convince the bank that it has not intentionally overdue, and the bank can issue a "non-malicious overdue certificate".

There are two reasons for bad credit records, personal reasons and reasons caused by other institutions.

1. Bad credit record caused by personal reasons

Most of the cases are bad credit card records caused by personal reasons. In this case, the negative records can be eliminated through the system of refreshing and overwriting credit records.

2. Bad credit records caused by other institutions.

1. Other institutions, mainly entrusted institutions. For example, someone entrusted repayment business to an institution, and as a result, the entrusted institution failed to repay in time, which also caused a bad credit record.

In this case, the cardholder does not bear the responsibility, and can issue a certificate to apply to the central bank at this time.

2. For example, when entrusting a loan, the trustee failed to repay the loan in time, resulting in a bad record of the credit card. At this time, you need the relevant information provided by the cardholder or the responsibility certificate ruled by the relevant judicial department, and you can apply to the central bank for revision and amendment.

3. Credit records shall be kept for 5 years. General query can display the records of the past 24 months. If the cardholder can reasonably use the card and repay it in time within 2 years after the bad record appears, he can refresh the record and wash it in black and white.

4. It should be noted that it is best not to cancel the credit card during the period of clearing the bad record of the credit card, otherwise the bad record will be kept all the time.

5. In actual use, don't hope to cancel or remove bad credit records, or use cards rationally. Developing good credit card and repayment habits, paying on time and not overdue are the basis to ensure a good credit record.

The introduction of how to eliminate bad credit records of credit cards and how to eliminate bad credit records of credit cards ends here. I wonder if you have found the information you need?