Can loan records be deleted?

How to clear the record of loan application?

If you want to apply for a loan record in your credit report, this part of the record cannot be deleted. If the user wants to delete the records in the online loan big data, as long as the debt is paid off, the records will be automatically deleted after 3 months. Or delete the loan records of the online loan platform. After the user cancels the loan account, personal information and historical loan records will be deleted.

Loan records are part of a personal credit report. This part of the record can help financial institutions better evaluate users, so loan records are required in the credit report. As for the overdue record of the loan, as long as the overdue debt is paid off, the overdue record will only be retained in the credit report for 5 years. After 5 years, the overdue record will be automatically deleted, so that the personal credit report will be restored.

As for the loan approval inquiry record, this record will only be retained in the credit report for 2 years. If the retention time exceeds 2 years, the credit report system will automatically hide the record, so that there is no need to delete the record. As long as it is not a bad credit record, there is no need to run additional processing if there are other records in the credit report. How to delete CCB mobile banking loan records

The answer is "cannot be deleted". The so-called method on the Internet deletes "bill records". If you really want to delete it, you can only "delete" it by logging out. According to the responses from telephone customer service, App online customer service, and smart customer service of many banks, it can be confirmed that "detailed records" in mobile banking do not support deletion and will generally be retained for more than 5 years, while most of the "bill records" that can be deleted are "bill records" , which is completely different from the detailed record. It is the original bill record and does not allow users to delete it at will. Some banks do not even support printing at will.

What is an "original billing record"?

The so-called "original bill record" can be understood as "the only record". Many banks will have two bills, one is the bill record and the other is the detailed record. The bill record mainly records the user's usage. All businesses conducted during mobile banking, such as deposits, withdrawals, consumption, financial management, insurance, etc., are summary statements, and some banks support deleting them; although detailed records also include these records, they are more accurate and detailed, based on the bank's The different display styles and dimensions provided are also different. They belong to the underlying transaction records of the user's account. All banks do not support users to delete them at will.

The reason why detailed records are not allowed to be modified is to "correct data"

Many users do not understand this rule. Why are their bank cards not allowed to delete detailed records? It seems reasonable at first glance, but the crux of the problem is that many users do not understand this. Suppose the user deposited 50,000 yuan three years ago and then withdrew 30,000 yuan, leaving 20,000 yuan in the account. If the original The detailed records were deleted, and the account statement only showed that 50,000 was deposited, but the final inquiry found that only 20,000 was left. In this case, if the user forgets the objective fact that he has withdrawn 30,000, he will inevitably have conflicts with the bank. Disputes arise, and this is the main role of the original billing record, which is a record of "correction data".

Conclusion: Although the detailed records cannot be deleted, we can delete them in disguise by canceling the bank card. Once the bank cards are cancelled, the accounts and permissions of mobile banking will also be cleared, including users. Although the personal real-name information will still be stored in the bank's system for a period of time, no one can check it unless the person holds his or her ID card (an agent can also do so, but requires authorization from the person). Except for illegal and criminal matters). Can the loan record on the credit report be deleted?

It can be deleted.

1. Take the initiative to contact the bank to negotiate repayment.

If a user has unpaid credit card debt, the bank will not actively negotiate with the user, but will only remind the user of repayment through text messages or phone calls. Therefore, if you want to negotiate and repay, users must take the initiative. It is best to negotiate before the due date, which is more likely to succeed.

2. Show your willingness to repay with a sincere attitude.

When negotiating repayment, you must tell the bank that you are not a malicious overdraft, and explain your current economic situation to the bank, saying that you are currently unable to repay the loan in full on time, but you have work income and will work hard to raise money to repay the loan. Make a payment and see if you can negotiate a repayment plan that is acceptable to both parties.

3. Keep relevant evidence at all times. Whether negotiating with the bank for repayment or being violently collected, relevant evidence must be retained and then reported to the bank. It is said that the success rate of negotiation will be higher in this way, but the premise is that the user must always maintain a civilized and friendly attitude.

Secondly, it will take at least 5 years to eliminate overdue credit records. First, the overdue person must pay off all overdue loans, and then must ensure that there will be no bad behavior records within the next 5 years. Then 5 After a year, the credit reporting system will delete the previous overdue records.

According to the provisions of the "Credit Reporting Industry Management Regulations", bad credit reporting records cannot be deleted manually. If a bad credit reporting record is generated and you want to delete it, it will take at least 5 years.

The credit report is a record of personal credit information issued by the Credit Information Center of the People's Bank of China. It is used to check the social credit of an individual or company. If there are overdue and other bad records, the user can apply for a loan. You will be greatly hindered, so be sure not to exceed the deadline easily.

Therefore, it will take at least 5 years to eliminate overdue credit records. First, the overdue person must pay off all overdue loans, and then must ensure that no bad behavior records are produced within the next 5 years. Then 5 After a year, the credit reporting system will delete the previous overdue records.

So, how to deal with overdue credit records?

1. Overdue records can be deleted after 5 years

According to the "Credit Information Management Regulations" of the Legislative Affairs Office of the State Council, the retention period of "bad records" is 5 years. If it is more than 5 years old, the credit reporting agency should delete it. However, the credit record will be deleted automatically after 5 years only after you have paid off the debt. If there is no repayment, the credit record will always be with you. If the overdue amount is so serious that it is included in the prohibited loan list, you will not be able to apply for a loan in the future. It must be noted that some industries that claim to "eliminate bad credit" are not trustworthy.

2. Repayments that are temporarily overdue can be repaid in time

When some banks, such as commercial banks, determine a person's credit status, they focus on their recent credit transactions. If a customer occasionally makes overdue payments, but then repays on time and in full, it proves that the customer's credit status is developing in a good direction. Therefore, if you accidentally forget, just process the repayment in time.

3. Maintain good repayment and replace the old with the new

Personal credit records are constantly refreshed with personal credit activities, so pay attention to maintaining good repayment and replace the old with the new. The records will gradually replace the original overdue loan records, and the original bad records will be "replaced" and eliminated. How to delete the loan record that I have applied for? Can the insurance be refunded? Under what circumstances should surrender be considered?

How to delete the loan records that have been applied for?

Usually, once a loan has been processed, records may appear in two regions. The regulations on whether the loan records can be deleted and how to deal with them are different.

1. Loan platforms

Some loan platforms display the records of each application of the borrower, including unsuccessful and successful ones. There are also some service platforms that can only display successful loan records, and borrowers can log in to the platform to understand the status of the loan process at any time and at any time.

And these loan records cannot be deleted by the borrower. Even if there are loans that have been repaid, this record will always be displayed on the loan platform. It also does not support borrowers’ manual deletion on the loan platform.

2. Personal credit report

For loan platforms connected to the personal credit system, such as loans from financial institutions, there are also loans from licensed financial institutions. In the bank credit record of the personal credit report, you can see all the successful loan records under the account, including the total amount that has been settled and the outstanding ones; the records shown in the review record are the records of loans processed within 2 years.

The only way to delete loan records is to view the loan application records in the records, but they are not deleted by the personal credit system or the reporting financial institution. Each record is calculated based on time. It will automatically disappear from your personal credit report after 2 years.

Can insurance be refunded? Under what circumstances should surrender be considered?

Insurance surrender is mainly divided into two situations: surrender during the hesitation period and surrender during the hesitation period (normal surrender). The details are as follows:

1. Surrender during the hesitation period

Refunding the policy within the hesitation period refers to carrying out the surrender operation within the hesitation period granted by the insurance company. Generally speaking, the "demurrage period" is within 10 days from the date the insured receives the policy and checks it in writing. If you surrender the policy within the hesitation period, you can get a full refund of the premium, and there will be no insurance cost loss for the beneficiary.

2. Surrender after the hesitation period (normal surrender)

Refund after the hesitation period is considered a normal surrender. Normal surrender requires the insured to explicitly submit an application to terminate the contract to the insurance company. After receiving the application, the insurance company will return the policy value within a certain period of time. The policy value of a life insurance policy is not as good as the insured amount. It is determined based on the premium paid, insurance age, insurance financial products, etc. The policy value of the insurance policy is extremely low in the first few years, especially in the first year. After deducting various expenses, the policy value is completely There is not much money returned.