How to negotiate when the comfortable flowers are overdue?

Comfortable flowers can be repaid through negotiation. The specific steps of the negotiation are as follows:

1. The borrower can repay the "minimum repayment amount" first, and express his repayment ideas to Anyihua platform, so as to facilitate negotiation with the platform on the next repayment plan;

2. The borrower needs to explain his personal situation to the credit account manager in detail, explain that the individual has not intentionally owed money, and guarantee that the individual will pay off the debt. Generally speaking, lending institutions are likely to provide a certain transition period for customers who are really unable to repay. If the interest rate is high, the borrower can also apply to the platform for interest-free;

3. If the credit business manager refuses to negotiate, the borrower needs to repay the loan on time. Another solution is to adjust the repayment date, but this method is only suitable for use before the deadline.

The above is related to whether Anyihua can negotiate repayment. According to Article 16 of the Regulations on the Administration of Credit Information Industry, the longest storage time of personal bad information by credit information agencies is five years after the bad behavior or records begin to appear. If it is more than 5 years, it needs to be deleted. Therefore, it is best to pay off the arrears immediately after the overdue payment. After payment, users need to wait for 5 years, and overdue repayment records will be deleted by the credit information system.

How long does it take for Anyi to clear personal credit information?