Is the online credit report really white?

It is not true that the credit report was washed away. Everyone's credit report is pushed by big data to the Credit Information Center of the People's Bank of China, and cannot be modified artificially. Even the relevant personnel working in the bank can't view or modify the personal credit record without authorization. If it is your own reason, no matter what causes the credit report to be overdue, no matter how to repair the credit report, it is unreliable. The only thing you can do is to pay off the arrears and wait for the credit renewal five years later.

What behaviors affect personal credit reporting?

1, credit card overdue

It is convenient for people to apply for credit cards now, so there are many people with credit cards now. However, after using the credit card, they must repay the loan on time, otherwise it will be overdue. Once the credit card is overdue, it will affect personal credit information. Therefore, we should pay attention to this when using credit cards. Generally speaking, three or six consecutive overdue credit cards within two years, or the overdraft consumption is not returned, will affect personal credit information.

2. Too many credit inquiries.

If you need to go to the bank to apply for a loan when buying a house, then everyone will definitely check their credit information before applying for a loan, and some people will check it more than once, but too many times of checking the credit information records will also affect personal credit information. Because of the number of inquiries, which banks make inquiries, the purpose of inquiries, etc. , all objectively reflect the customer's credit level. If there is only one loan in the name, but it is inquired by many banks, then the bank has reason to suspect that the repayment ability is not good and is regarded as a risky customer.

3, the debt is too high

At present, there are many channels for people to apply for loans, so some people will apply for loans outside banks, but if they want to apply for mortgages, they must only go through banks. General banks will also examine the repayment ability and liabilities of buyers when approving loans from buyers, so they can also check the loan records of other local banks. If banks find that the debt ratio is too high, reaching more than 70% of personal income, they will question their repayment ability and it will be difficult to apply for loans.

How long will it take to eliminate overdue credit records?

1, loans overdue record

According to the credit management regulations, the bad records of overdue loans will be kept in the credit information system for five years. That is, after loans overdue, the records will be automatically deleted after five years. Note that the five-year period mentioned here means that it can be eliminated after five years from the date when the user pays off the arrears. If the borrower fails to repay the arrears, the overdue record will always exist.

2. Credit card overdue record

Credit card repayment information is recorded in the central bank's credit information system for 24 months, that is, the personal credit information report can only see the use of credit cards in the past two years. After the overdue behavior occurs, the user pays off the arrears in time, continues to use the credit card for 2 years, and maintains a good repayment record during the use. Then two years later, bad records will be covered by good records. However, if the credit card user cancels the credit card immediately after paying off the overdue payment, the bad record will be kept for a long time.