In today’s society, credit reporting is an important record of a person’s integrity. So can the credit report be modified for non-subjective reasons? The answer is yes. If the following situations occur, you can submit an appeal and modify the credit report.

1. It is not caused by myself

Everything cannot be 100% correct, and the same is true for credit reporting. There may be errors in the bank's credit reporting system or uploaded bank information. If there is an error in the display, etc., you can apply to the agency to restore your credit report according to formal procedures.

2. Someone else uses your identity information fraudulently to obtain a loan or apply for a card.

If your personal account is unknowingly stolen or overdue due to security issues, you can file an objection application with the relevant department. After the central bank's credit reporting center receives the objection application, it will conduct a relevant investigation, usually within three months. If the situation is true, the overdue situation will be eliminated.

3. Other reasons

Some people have special status, such as national civil servants, who temporarily go abroad or perform tasks and are unable to repay the loan on time. This is not a malicious cause of overdue payment, but may be caused by Because I forgot, at this time, you must pay off the debt as soon as possible, and then inform the bank of your situation, and you must show your sincerity in repaying the money, and you must not overdue the debt in the future.