What should I do if the credit report is overdue?

1. Pay off overdue debts as soon as possible.

After loans overdue, overdue debts due to the user's own reasons will be paid off, and overdue records will be automatically deleted. After the user pays off the overdue debts, the overdue records will be kept in the credit information for 5 years from the date of paying off, and will be automatically deleted by the credit information system after 5 years. The sooner users pay off overdue debts, the sooner overdue records will be deleted. After the overdue records are paid off, even if they remain in the credit information, their negative impact will continue to decrease. When the overdue records are kept for more than 3 years after being paid off, you can even try to apply for some credit business.

2. Apply to the lending institution for cancellation of overdue records.

If the overdue is not caused by the user's own reasons, the user can keep relevant evidence and submit it to the lending institution for review, and then apply to the lending institution for cancellation of overdue records. After applying to the Credit Information Center, the lending institution submits the relevant certification materials to the Credit Information Center for review, and generally it can pass the review. Within a few working days after the successful audit, the Credit Information Center will delete the overdue records of users. Users can also complain to the credit center themselves, and then the lending institution will submit the certification materials to the credit center for review.

3, the new record to replace the old record

The credit card has a bad credit record, and the user must pay off the arrears in time and continue to use the card, and the credit information system will generate a new credit card usage record. The central bank's credit information system will record the repayment records of credit cards in the past 24 months. If the previous bad credit record exists for more than 24 months, the new record will overwrite the old record to minimize the negative impact of the previous bad credit record.

Customers are advised to develop the good habit of timely repayment and try to avoid overdue. Once overdue, bad information will appear in the personal credit report, which will affect the subsequent credit business, and it is basically difficult to handle it successfully in a short time. If you don't know your credit information, just search: Sky Data 1, find this WeChat applet, pull out your online loan debt details and overdue credit status, and make a repayment plan according to your own situation.