1. To cancel the overdue credit record, you only need to apply to the central bank's credit reporting agency or credit reporting agency, and those that meet the requirements will be eliminated. For example, if a fake card is used to apply for loans overdue, or the repayment is unsuccessful due to problems in the lending institution system, the bank can only apply for cancellation if it fails to inform the fee adjustment and part of the arrears are overdue;

2. However, if an individual voluntarily overdue, he will have no chance to eliminate overdue records. You can only pay off overdue debts and wait for time to smooth out bad credit. After five years, credit information can be repaired by itself. During the repair period, if you want to borrow money or apply for a card, it is recommended to improve your credit for at least 3 months by the following methods;

3. Timely repayment: Except loans, all businesses directly linked to credit investigation belong to credit cards. Pay more credit cards. After use, the repayment shall be made before the end of the repayment date as required. Those who have the ability had better pay it back in full. If it cannot be repaid in one lump sum, it should be repaid in installments according to the situation, and the minimum repayment amount cannot be overdue in any case;

4. Don't mess around: don't apply for loans or credit cards in the short term, and reduce the number of credit inquiries. Some people may not want to borrow money, but if they want to check how much money they can have, please don't order it, otherwise it may be difficult to check the credit report.