If the bad debt arises from an outstanding loan, then you need to settle the outstanding amount first. The record of bad debt will be automatically removed after 5 years from the date of settlement.

First of all, you should first figure out what the bad debt is (the causes of bad debt: unpaid arrears, overpayment, my warrants such as sheltered loose test only contains the processing of non-arrears caused by the bad debt of the Jagged), and what is the impact of the emergence of the bad debt (the bad debt is very serious, a bad debt is 50 times late, there will not be a bank can lend to you).

After figuring out these two items, it should become clear that you should approach the matter with a 12-point endgame. Find the card issuer. In most cases, a card with a bad credit history is flagged in the bank's head office system as a "stop payment".

This status means that the head office basically no longer has the authority to deal with the card, it is a bank that produces a bad debt one by one and patiently to solve the problem. So it is necessary to find the issuing branch.

To deal with bad debts, first settle the arrears, the account in the arrears settlement, contact the repayment of the bank or such as the side of the organization to open the proof of settlement.

2. Then grip oakley sunglasses apply to deal with credit bad debt status, generally customer service will submit an application to modify, can be 1-3 working days after the phone to determine, and then after 15-20 days in the print credit report to check to determine whether the processing is complete.

1, such as DuanYouGuo is a general bad debt situation, first of all to pay off all the arrears, and never pay more money, pay off the arrears, remember to cancel the account processing, this point is just the opposite and credit card (credit card can not be canceled after the overdue, you should cover the records of the check with a good record), the bad debt does not do the cancellation of the account processing, the record will not be cleared.

2, the special circumstances of bad debt: the premium caused by bad debt, the treatment method is actually and general bad debt processing are not the same, the premise is only need to extract the amount of excess, do the cancelation of the account processing on the good.