Recently, the news about Hua Bai's credit investigation has attracted a lot of people's attention. A friend wants to ask, can the credit report be repaired if it is broken? This article will talk to you.
Whether it can be restored after credit investigation depends on the reasons for credit investigation. If it is a normal loan or credit card record, this record will always be kept and will not be eliminated. Overdue records are kept for 5 years from the date of settlement, and after 5 years, the records will be automatically eliminated, and the credit will return to normal.
For ordinary people, it is very difficult to repair credit information. Moreover, credit information only has the right to appeal, and it is impossible to repair it immediately. So I hope everyone will not be deceived by some words on the Internet. If you are blacklisted after the deadline, you should return the money immediately and then appeal to the bank. In this case, it is very likely that your credit will be restored. But if you want to repair your credit directly, it is impossible, no matter how much money you spend.
If you want to avoid such a thing, I suggest that when you borrow money, you can think clearly about whether you can repay the money. When you are insolvent, you are likely to be blacklisted. Being blacklisted will also affect your later life, such as not being able to apply for a bank credit card. I can't solve the urgent need, and I can't apply for mortgage or car loan when I get married.
Citizens will face all kinds of difficulties in repairing personal credit. For example, the law stipulates that citizens have the right to file a lawsuit, but it is difficult and almost impossible for people without professional knowledge to collect evidence to prove their claims, file a lawsuit with the court and wait for the verdict. Even if it can be completed, it will cost a lot of money. Therefore, when people want to sue, they often entrust lawyers to handle legal affairs on their behalf; In the case of personal credit repair, a "repair agency" with certain professional knowledge plays a role similar to a lawyer: entrusted by consumers, it provides consultation and training, helps them complete various preparations and procedures for credit repair, and charges a certain fee.
Based on the above information, the credit investigation can indeed be repaired, provided that there are reasons such as overdue, not malicious. Everyone must cherish their credit, avoid all kinds of situations and prevent all kinds of troubles in the future!
How to return to normal credit reporting?
Credit information returns to normal, which can be analyzed according to the following two situations:
1. Non-personal overdue: if there is a problem in the banking system, the loan repayment will be delayed. In this case, relevant explanatory materials can be provided to the Credit Information Center of the People's Bank of China, and the overdue bad credit records can be revoked after verification by the Credit Information Center of the People's Bank of China;
2. Overdue due to personal reasons: If you want to repair the credit information, you need to pay off the arrears first, and then calculate from the date of paying off the arrears. The bad credit records will continue to be retained for five years, and the bad credit records will be cleared after five years.
To view the personal credit report, you only need to provide a valid personal identity document. Simply put, log on to the personal credit platform of the Credit Information Center of the People's Bank of China, and you can check it after verifying your identity, without having to prepare additional materials in advance. Identity documents can be second-generation ID cards, military officers' cards, military officers' cards, foreigners' passports and visas, Hong Kong and Macao residents' passes to and from China, and Taiwan Province compatriots' passes to and from China.
When can I recover if there is a problem with the credit information?
Personal credit information can be resumed after five years, but only if all overdue loans need to be repaid, and this five-year period is five years from the day after all loans are repaid, not five years from the overdue date.
As long as all the loans are paid off after five years, the bad records will be cleared from the credit information. If the principal is not repaid, the liquidated damages and interest incurred will not be cleared even after five years, and will remain in the credit information.
The credit information of the credit card is recorded in the credit information of the central bank for 24 months. As long as you pay off the arrears and continue to use credit cards, you will cover overdue credit cards in two years. Therefore, the credit card has been paid off overdue, so don't cancel it immediately. It must be used normally for two years. After two years, the bad overdue records will be overwritten and then disappear. Otherwise, the credit record of the credit card will not roll after cancellation. Then, this bad overdue record will be displayed in the credit report.
Try not to use the loan overdue. If it is overdue, you must find a way to pay it off as soon as possible. In addition, individuals can't repair it, they can only appeal. Non-personal reasons overdue, you can appeal to the Credit Information Center of the People's Bank of China. After the appeal is passed, the People's Bank of China can eliminate bad records.