The first step, repayment;

Step 2, get the settlement certificate issued by the bank (after paying off all overdue debts);

The third step is to attach the historical repayment details when refinancing (which can prove that the past overdue time is short);

The fourth step is to attach a written statement to explain or clarify the "negligence" in the details.

Two, to eliminate the blacklist of credit information matters needing attention

1, don't believe that spending money can eliminate the blacklist of credit information.

2. The blacklist of general credit information will be kept for five years. In the meantime, it is recommended that you replace the previous bad records with the existing good records.

Generally speaking, the prerequisite for successfully eliminating the blacklist of credit information is that the blacklist is not caused by my own fault.

4. Cherish your credit information.

The method to remove the blacklist of credit information is to sue the debtor according to law after paying off the principal and interest. After the court's decision, if you want to remove the blacklist, you must pay off all the debts you owe. After paying off, the blacklist will be lifted naturally. Reach a settlement with the application executor and negotiate with the application executor to pay off the money. The two sides reached a settlement agreement and applied for the executor to confirm that the debt had been paid off. The debtor applies for deleting the blacklist again, and the blacklist will be lifted after the name court examines it.

The consequence and solution of the blacklist of credit information is that loans are difficult to handle. Under normal circumstances, once the credit information is hacked, the user's future mortgage and car loan cannot be processed; Job hunting is blocked, and some companies have requirements for borrowers' credit when recruiting important positions; Solution: You must pay off all the debts, and only by borrowing can you maintain your credit. Even if your repayment ability is insufficient, you can pay off all your debts. You can call the customer service phone of the loan platform and negotiate the repayment method with the bank. It is best to choose repayment by installments, apply for reduction of penalty interest and liquidated damages, and pay off all debts. After the arrears are paid off, wait for 5 years, and the bad records will be automatically eliminated.

Credit card blacklist refers to users who are overdue for a long time, have not paid back many times, and have cashed out illegally. , and has been listed as refusing credit by relevant banks. Blacklist data is kept in the personal credit information system of the central bank for five years, and negative information such as particularly serious and obviously malicious bankruptcy is kept for ten years.

Non-malicious arrears are blacklisted, and annual arrears are the most likely thing. Some people forget their credit cards once or twice, or don't open them at all after they get them; Another part may forget to pay the annual fee for each card because of holding too many credit cards. If the investigation is true, there will be a judgment of non-malicious arrears in this situation. If you only inadvertently owe money for a few days, you can also waive the "blacklist" as appropriate. The staff of Dayong Sub-branch of China Construction Bank also said that the bad records caused by the arrears of annual fees will be specially handled and will not be blacklisted easily. ?

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