Once the loans overdue record is collected, it cannot be eliminated by human intervention, and it needs to be paid off, and it will not be eliminated until five years later. Lenders are advised to borrow reasonably, repay on time, use credit cards reasonably and support credit investigation while waiting for the elimination of bad records.

If the lender finds that the micro-loan he borrowed is inadvertently overdue and the amount is not large, it is recommended to repay it immediately. After making up the arrears, ask the platform if there is a grace period. Some small loans have a certain grace period for the repayment date, and the repayment within the grace period may not be sent to the credit information system. Some small loans will not be reported overdue until next month. Lenders can try to negotiate with the loan platform without reporting this overdue record, and there is no malicious overdue. If the lender has a large overdue amount and is unable to repay it, it is recommended to explain the situation to relatives and friends in advance and seek help. And try to do some part-time jobs without affecting your current life and pay off your debts as soon as possible. As long as there is a stable income and reasonable planning, no amount of money can be paid off slowly. Lenders can also negotiate with the platform, issue a certificate that they are really unable to repay, apply for interest reduction or extend the repayment period, and call the police for help in case of violent collection.

Tianjin Yisheng Microfinance Co., Ltd. was approved by Tianjin Financial Bureau on 26 October, 20 10, and was allowed to start business on 26 March, 20 10. It is one of the earliest microfinance companies in Tianjin approved by Tianjin Financial Office, and an innovative credit consumer finance service provider under HNA Tourism Group.