If it is a loan from China Merchants Bank, according to the regulations of the People's Bank of China, all card-issuing banks are required to upload customers' consumption and repayment records regularly, and cannot be tampered with. If we have used our loan before, we will not make any bad comments on the use record, but only truthfully feedback the historical use record without making any subjective judgment. 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.

Relevant departments will generally give priority to recent consumption and repayment records when handling new business.

Second, can the overdue records of credit report be eliminated?

First of all, answer directly.

The overdue records of credit reports cannot be eliminated artificially.

Second, the specific analysis

Credit investigation is very important for everyone, because it is an important basis to reflect personal credit. If the credit card or loan repayment is overdue, it will leave a bad credit record on the credit report.

The bad credit records on the credit report should be kept for at least five years, and they cannot be deleted artificially, so there is naturally no way to whitewash them during the five-year period when the records are kept.

When the credit is overdue, pay off the arrears in time and maintain good credit afterwards, then the overdue record will be automatically eliminated after 5 years. Of course, if you are overdue during this period, the retention period of this record will be extended.

If the overdue is caused by accidents or unexpected circumstances, you can pay off the arrears as soon as possible and call the bank to inform the specific situation at the early stage of overdue. If there are reasons, the bank may not report the overdue situation to the credit after consideration.

If you have overdue records online, or have loan records from multiple platforms, your records will be subject to big data risk control. When your online lending platform often rejects you, even the flower garden will close.

If there is anything unusual in your online hacking data, you can find that Beijian Quick Check can get your own big data and credit status, various index data, and you can query your personal credit status, blacklist, online loan application record, application platform type, overdue amount, whether there are arbitration cases and other important data information.

Three, the credit report is overdue for six times, when can it be eliminated?

Overdue for 6 times indicates that the credit has been blacklisted and the record will be kept for five years.

Of course, these five years don't mean from now on, but after you pay off all your debts. If your credit card is overdue, don't cancel it in a hurry.

After paying off the debt, it will take at least two years, even if the bank lets you cancel it. After two years of diligent use, you can spend a small amount, then repay in time and brush off the previous records.

If you apply for a credit card or loan after two years, there will be hope, instead of waiting for five years.

Of course, income and stability are the foundation of everything. Credit card can add a lot of convenience to life, and it can accumulate credit in use, but it should be used reasonably.

After the deadline, it not only generates five ten thousandths of interest every day, but also interests. The longer the overdue period, the higher the interest.

If the amount is too large, there is still the risk of being run by the bank. Once you become Lao Lai, you will be restricted to take high-speed trains, planes and go abroad in the future. The era of credit has begun, please cherish your credit.

3. How long will it take to eliminate overdue credit in 2023?

1 The overdue records of credit investigation will not be automatically eliminated, and it is necessary to actively deal with and pay off the arrears.

If the arrears have been paid off, the overdue credit records will gradually decrease within a certain period of time, which usually takes 3 to 7 years.

During this period, it is suggested to make a good repayment record, pay more attention to your credit status, actively communicate with credit reporting agencies, and strive to eliminate the influence of bad records in time.

Four, how to eliminate overdue records of credit information

The method of eliminating overdue credit information is as follows:

1, which will be automatically eliminated after being paid off as soon as possible;

2. If the overdue is caused by the bank's malicious overdue or active negligence, you can negotiate with the bank to eliminate the overdue credit record.

What are the consequences of dishonesty in credit reporting?

The consequences of dishonesty in credit investigation are as follows:

1. Poor credit information will affect users' application for bank credit cards. If the user's credit information is not good, the credit card will be approved when the user wants to apply for a bank credit card, which will affect the user's application for a credit card;

2. Poor credit information will affect users' use of loans to buy real estate or cars. If the user's credit information is not good, it will also be affected. When users want to buy real estate or cars through loans, they are likely to be unable to buy real estate or cars because of credit problems;

3. Bad credit information will affect users' use of transportation. Generally, the loan or credit card under the user name is overdue. When the loan or credit card is overdue to the user, it will be implemented to the user.

4. Bad credit information will affect many employment opportunities of users, so the enterprise will not hire the employee.

Legal basis: Article 16 of the Regulations on the Administration of Credit Information Industry,

The retention period of personal bad information by credit reporting agencies is 5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted.

During the retention period of bad information, the information subject may explain the bad information, and the credit reporting institution shall record it.

Article 18