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1. The handling of online loan credit records is very "humanized";
Compared with traditional banks, online credit information is much more humane, which means that you will be given a certain grace period for your unintentional overdue due to temporary negligence. However, if you default for a long time, it is easy to have the borrower's tainted record, which is also the key reminder in the credit information system, which is very serious for personal influence!
2. The retention period of bad credit record of bank loan default is 5 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 incident. Bad records will not be discovered by other banks after paying off the principal and interest and liquidated damages for more than 5 years. It is worth noting that the credit stain will remain until the loan is settled. So everyone must cherish their credit records.
3. The retention period of bad credit records of overdue credit cards is 2 years.
Credit card repayment information will be recorded by the central bank's credit information system for 24 months. If the card is cancelled, the record will be kept for a long time. Therefore, it is recommended that credit card users continue to use their cards for two years after paying off their debts. During this period, they can maintain good credit and delete bad records from the credit information system by rolling records.
All three are based on short-term default. If the overdue information has been uploaded to the People's Bank for too long, pay off the debt and the system will automatically eliminate it after 5 years.
When the information in the personal credit report is wrong, there are two ways to deal with it:
That is, bring the original and photocopy of valid identity documents and personal credit report to the local branch of the People's Bank of China to submit an objection application; Or directly contact the bank that handles banking business. The Credit Information Center of China People's Bank and the bank handling this business will immediately check and correct the wrong information after receiving your objection application, and give a reply within 20 days.
If it is overdue, it should be remedied in the shortest time. For borrowers who are on business trip, on vacation, on-the-job in other places, or staying in the village, on the one hand, they should properly arrange loan repayment before leaving, such as putting a certain amount into a deduction account in advance, entrusting someone to help repay on time, and binding credit cards and debit cards.