Change the name, and the credit information can be washed away? Don't be naive.

A few days ago, a borrower said there was something wrong with the credit information, so I went to the police station and changed my name. Change the name, directly become a white household, and the previous stain will disappear. I'm here to remind you that it's impossible to change your name to whitewash credit reporting!

Personal credit information matches the ID number.

Smart borrowers have long discovered that you need a name and ID card to check your personal credit. You can change your name, but you can't change your ID number. If the ID number cannot be changed, the credit stain in the central bank's credit investigation will not disappear.

Each of us should determine the ID number at birth. Except that the second-generation ID card is upgraded from 15 to 18, the ID number cannot be modified. Normal transfer, ID number unchanged. If you can change your name to Bai Hu, there will be no such thing as a black household.

Those who claim to help whitewash credit information are liars. Don't be deceived Without authorization, no one may delete or modify the credit record of the central bank.

Then ask if you have a borrower. Is there any way to eliminate the overdue records in the credit report? This needs to be analyzed in detail.

I. Non-subjective will

Due to personal negligence, unintentional or malicious overdue. Pay off all the debts first, and then show sincerity. Call the bank to explain the situation, and be sure to have a good attitude. Trying to negotiate is still very promising.

The overdue records of banks and lending institutions are generally reported to the central bank once a cycle. In other words, if the credit card or loans overdue has been used for several days, contact the financial institution immediately before uploading it to the central bank for credit investigation.

If the overdue time is short, pay back the arrears immediately, and then call the bank or lending institution to sincerely explain that you didn't intentionally overdue. Some institutions will cut you some slack by not uploading overdue records to the People's Bank for credit investigation, so there is no such credit investigation record in the credit investigation.

Big banks (ABC, BOC, ICBC, etc.). ) are often automatically uploaded by the head office, and there is no opportunity for communication. Rural commercial banks and small lending institutions can try this way.

Second, the bank behavior leads to

If it is not caused by personal reasons, there are sufficient reasons to apply to the bank. For example, some bank policy adjustments were not informed to users in time, or were caused by system reasons. These are all bank reasons.

In these cases, you can contact the bank directly and ask for the elimination of overdue. If the bank refuses, it can complain to the CBRC. This situation can be eliminated.

Third, file an objection application.

Without knowing it, criminals use the victim's information to handle credit cards and steal them, and will not repay them, resulting in overdue.

This kind of overdue obviously has nothing to do with yourself. You can explain the situation to the bank and then submit an "objection application" to the credit information center of the local people's bank. After receiving the objection application, the central bank's credit information center will conduct relevant verification, and if the situation is true, it will help the applicant to eliminate the overdue records.

Fourth, good coverage is poor.

The method of covering bad credit records with good credit records. First, pay off all the overdue debts before, and then maintain a good personal credit record, and there will be no new overdue records. After waiting for 5 years, the bad records will be automatically eliminated.

If it is a bad credit card record, you can refresh the coverage system according to the credit record to eliminate the negative record and its influence. Credit card records basically only show the records of the last 24 months.

As long as the repayment is made on time in the next two years, there will be no new bad records, and the original negative records will be overwritten to form a good credit record again.