Second, if it is normal, the record of non-performing loans above the central bank will be cleared after five years of bad records.
But it can't be deleted or changed artificially, and only the latest data can be updated slowly through time to overwrite the previous bad data.
In addition, if the personal online loan big data is low, it will also affect the personal loan situation. There are three main situations that generally affect personal online loan big data: 1, and online loans are overdue; 2. There are too many online loan applications; 3. There are too many inquiries from institutions;
If you apply too much, you can still improve your personal online loan credit. As long as the loan application is suspended within three months, there will be obvious improvement; But if there are other bad data, it is more difficult to improve personal data.
It can be found on the WeChat homepage: Baiyi Data. You can find your own online loan big data report.
The database is connected to more than 2,000 online loan data centers nationwide, and the data is true and accurate.
You can check the user's application times, online loan data, online black index score, hit risk warning,
The database can not only query the user's information, but also query whether the user has arbitration case information, criminal case information, court prosecution information, court dishonesty and so on.
Third, the credit card repayment information has been recorded by the central bank's credit information system for 24 months, and the bad credit record caused by overdue credit card repayment will be kept in the credit information system for two years. For example, if you terminate with a card, the corresponding record will not scroll, but it will be saved for a long time.
Don't cancel the credit card immediately after paying off the arrears after the overdue repayment of the credit card. You should insist on using the card for more than two years, and maintain good credit during this period, so that bad records can be removed from the credit information system through rolling records.
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.