The method of restoring credit records is as follows:
1. Pay off debts in time: If there are debt problems such as overdue, arrears and arrears, pay off all debts in time to avoid further damage to credit records.
2. Keep your promise and stop overdue: You need to keep your promise actively in the next days to avoid overdue again, so as to gradually improve your credit rating.
3. Apply for credit cards, loans, etc. If you have sufficient funds, you can apply for some credit products such as credit cards and loans and repay them in time to improve your personal credit rating.
4. Pay attention to your credit records at any time: you can know your credit information through major banks and credit reporting agencies, and find problems and solve them in time.
Black households refer to individuals or enterprises that have no credit records or credit records when financial institutions have no records:
1. Illegal households are usually caused by various reasons, such as no fixed job, no bank account, no loan record, etc. These factors will cause individuals or enterprises to be unable to establish credit records in financial institutions.
2. The existence of black households will adversely affect the economic activities and financing of individuals or enterprises.
To sum up, because financial institutions cannot evaluate the credit of black households, if they have become black households, they can try to establish credit records through legal channels, such as obtaining loans through guarantees, mortgages, etc. and repaying them on time. At the same time, you can also choose to use a third-party agency, such as a credit reporting agency, to help you establish a credit record and improve your credit rating. Grade and repayment ability, in financial services such as loans and credit cards, usually lower quotas and higher interest rates are given, and even loans and credit cards cannot be obtained.
Legal basis:
Article 2 of "Several Provisions of the Supreme People's Court Municipality on Publishing the Information of the List of Executed Persons with Disbelief"
If the person subjected to execution has the circumstances specified in Items 2 to 6 of Article 1 of these Provisions, the time limit for inclusion in the list of persons subjected to execution without trust shall be two years. If the person subjected to execution obstructs or resists execution by means of violence or threats, or if the circumstances are serious or he has repeatedly broken his promise, it may be extended for one to three years.
The people's court may decide to delete the information of dishonesty in advance if the person subjected to execution actively performs the obligations specified in the effective legal documents or actively corrects the act of dishonesty.