2. If users don't need to borrow money, please don't register a large number of loan accounts, especially loans that need to check personal credit report when registering. Please don't click on such loans at will. According to the Regulation of China People's Bank on Credit Information Management, the credit information records kept by credit information agencies shall not exceed 5 years, that is, the credit information records will be deleted after 5 years. And banks and third-party financial institutions must upload personal credit records on time, so users can upload other credit records to push bad credit records to the end of the records. Credit records cannot be modified or deleted within five years. If in doubt, please contact the People's Bank of China for correction.
3. What if there are too many credit card accounts in the credit report?
1. There are too many micro-loan accounts in the credit report. As long as there is no loans overdue record, it will not affect the credit. Credit investigation is an activity that a professional and independent third-party organization establishes credit files for individuals, collects and objectively records their credit information according to law, and provides credit information services to the outside world according to law.
2. Personal credit report: the number of overdue accounts 1, which is overdue for one month within five years, which will have a certain impact on future loans. Because bad credit records will be automatically eliminated. If it is a recent loan, it will definitely have an impact, and the regulations of each bank are not exactly the same.
3. Too many credit inquiries may have an impact on applying for credit products even if they are not overdue, so try not to apply for online loans and various loan products at will. If you have applied for and consumed your credit information, there is almost no way to apply for a formal loan, and you can only accept some high-interest loans.