The overdue record of Alipay Flower Garden may disappear in 2-3 days or 5 years.

Second, the specific analysis

Specific instructions are as follows.

1, disappeared in 2-3 days. This is because Sesame Credit has the function of "overdue repair". You only need Alipay users' sesame credit score above 800 points (inclusive), and then use 30 sesame points to actively repair the overdue records of Alipay flower buds.

Since it may take 2-3 days for Alipay Flower Garden to synchronize data after overdue settlement, it will take at least 2-3 days to make overdue records disappear by operating sesame credit overdue repair.

After the overdue record of Alipay Flower Garden is successfully repaired, the overdue record in Sesame Credit will be updated to "Saved".

If the credit record status is not updated after successful repair, it may be that the system data update is delayed. Please wait patiently for 1-2 days and check again.

Attention.

It takes 2-3 days to repair the overdue records in Sesame Credit, which is not the overdue records in the central bank's credit report. The overdue repair function of Sesame Credit is limited to repairing 1 overdue records every month.

2.5 years gone. The use and overdue of Alipay's flower buds must disappear from the overdue records on the credit report, so it will take at least 5 years.

Because according to the relevant regulations on the management of credit information industry, the bad records on personal credit information are kept for 5 years from the date of termination of bad behavior. After Alipay is overdue, it takes 5 years from the date of repayment of overdue debts to make the overdue records on the credit information report disappear.

If an individual has any objection to the overdue record of the flowers on the credit information, he can bring his ID card to the local credit information sub-center to file an objection application, fill in the objection application form, and clearly point out the data items that have objections.

After receiving the application, the Credit Information Sub-center will contact the Bai Hua Administration for verification and reply to the dissenting applicant within 20 working days.

If there is indeed an error in the overdue record of the flower bud, and the flower bud management organization agrees to delete this overdue error item, then the disappearance time of the overdue record of Alipay flower bud may be about 20 working days, but the probability of this situation is still very small.

Pay attention to personal credit at ordinary times, and don't blindly apply for loans. Otherwise, once big data is spent and you want to apply for loans, you will be refused loans because of insufficient comprehensive scores. You can get a big data report in Beijian and clearly know your situation in online lending big data. The database cooperates with more than 2,000 online lending platforms, and the queried data is relatively accurate and comprehensive.

Third, how long will it take to pay off the frozen flower buds?

After the flower garden is frozen, the debt will be paid off, and when it can be restored depends on the comprehensive evaluation results of the system.

For example, if the account is closed due to overdue repayment, even if the debt is paid off, it is estimated that it will not be easy to recover it in the short term. Users need to spend time patiently repairing damaged credit and accumulate more good records.

It may take three to six months to raise credit. At that time, personal credit will gradually improve, and the flower garden may still have a chance to recover.

Of course, there are many reasons why the garden freezes. If it is a system risk control problem caused by bad behaviors such as swiping points and illegally withdrawing cash from accounts, you need to wait patiently for the end of risk control, and the system will generally evaluate it once a month or so.