1. Apply to the bank for cancellation: If the loan has been fully paid off, you can apply to the bank for cancellation of all loan records. You need to go through the relevant formalities at the bank counter and provide relevant supporting materials, such as loan contracts and repayment vouchers. The bank will verify the repayment and cancel it.
2. Apply to the credit reporting agency for cancellation: In addition to applying to the bank for cancellation, you can also apply to the credit reporting agency for cancellation of all loan records. Credit reporting agencies are specialized agencies responsible for recording personal credit information. They will evaluate credit records and provide the evaluation results to banks, credit card companies and other financial institutions. Need to provide loan contracts, repayment vouchers and other related certification materials. The credit reporting agency will verify the repayment and cancel the loan record within a certain period of time.
3. Waiting for natural elimination: If the loan is not fully paid off, you can also choose to wait for natural elimination. According to China's laws, personal credit records will be naturally eliminated within a certain period of time, and the specific time will be different according to different situations. However, it should be noted that this method may take some time and need to maintain a good credit record.