What is the meaning of the list of national debt evasion and cancellation?

Simply put, it is subjectively refusing to repay and unwilling to repay the arrears. At present, there are many financial platforms in the market, many loan channels and simple procedures, and the number of borrowers has also reached a record high, resulting in a large number of overdue personnel, some of whom are not caused by objective reasons and are purely subjective and unwilling to repay, so this situation belongs to debt evasion.

Many debtors applied for a large number of online loans. Finally, after I was unable to repay, I made a credit report and found that none of them were on the credit report. In particular, some "payroll" online loans, because of high interest rates, many people are reluctant to repay. Because there is no credit, even if it is not, it will have no effect. However, in order to recover the arrears, the online lending platform will record the default behavior of evading debts in the credit information. However, there are few such online lending platforms.

Some netizens made a credit report and found that in the column of criminal investigation punishment record, the information, punishment institution, loan platform, amount, overdue time and amount included in the list of borrowers who maliciously evaded debts were written in detail. Because of this credit record, the netizen completely became a credit black account, and all the credit business inquiries were directly rejected.

The only way to get out of the list of debt evasion is to pay off the money owed quickly, and then apply to the relevant platform for cancellation.

1. What are the consequences of entering the list of debt evasion?

The list of debt evasion is not exactly the same as the credit report. Although overdue defaults are also recorded, the amount of information is different and the credit report contains more content.

If you enter this list, it will also be a negative credit. You need to settle the arrears in time and contact the lending platform to issue a settlement certificate. The platform party usually reports to the Mutual Gold Association within 60 days, and the Association usually reports to the local Mutual Gold Remediation Office within 3-6 months. It takes at least one year for the remediation office to report to the credit information system.

Therefore, clearing the record is very difficult and takes a long time. If you have plans to buy a house, a car or a card, you must pay attention to the fact that it is difficult to restore your reputation if you owe money.

Second, will debt evasion and repayment eliminate credit reports?

After paying back the money, you can withdraw from the list of debt evasion, but you can immediately eliminate the credit information after repayment.

You should know that debt evasion is caused by overdue repayment, and the list of debt evasion has been revoked. However, overdue records on credit information still exist and will be completely eliminated after five years. Moreover, during the period, no organization or individual has the right to modify it, and only credit reporting institutions can apply to the credit reporting system.