How long does it take to eliminate the overdue records of personal credit information?

There are overdue records in users' credit information, and how often to eliminate them should be discussed in three situations.

1. If the overdue debt has been paid off, the overdue debt paid off by the user will be automatically deleted after 5 years, and the overdue debt is caused by the user himself. Then, after the overdue debts are paid off, the overdue records will be kept in the credit information for 5 years from the date of payment, and will be automatically deleted by the credit information system after 5 years.

Therefore, overdue payment records are deleted every five years. In the meantime, users need to ensure that no new expired records will be generated. Once a new expired record is generated, the time for deleting the new record will be recalculated.

2. The overdue debt has not been paid off, and the overdue record has been kept by the user, and the overdue record will always be kept in the personal credit report.

Bad credit records will be automatically deleted after 5 years, provided that users pay off overdue debts.

If overdue debts are not paid off, overdue records will not be automatically deleted.

The longer overdue records exist, the greater the negative impact, and even overdue records will become bad debts in the later stage.

Bad debt records are seriously overdue records, and there are bad debt records in the credit report, so you can't apply for other loans in the future.

3. Complain to the Credit Information Center, and the overdue records can be deleted within 20 days at the earliest.

Loans overdue is not caused by users themselves, and users can submit objections and complaints to the Credit Information Center.

The credit information center shall verify and handle the objection within 20 days from the date of receiving it, and reply the result to the objector in writing.

As long as the Credit Information Center confirms that loans overdue is not caused by the user himself, it will complete the review and delete overdue records within 20 days after the user complains.

After the overdue records are deleted, the user's personal credit information can return to normal.

Is there any overdue record of credit investigation? Can I borrow money to buy a house? There is a record in the user's credit report. Whether you can get a loan to buy a house depends on the situation.

1. Expired records have been deleted.

There have been overdue records in the user's credit report, but the overdue records have been automatically deleted. At this time, the user's personal credit will return to normal.

When personal credit is good, users can apply for mortgage loans.

The overdue debt has not been paid off.

If users fail to pay off overdue debts, the negative impact of overdue records will continue to expand.

When the credit information is not good, users can't apply for a mortgage.

The overdue debts have been paid off.

The user has paid off the overdue debt, but the overdue record has not been automatically deleted. If the overdue record exists for more than 3 years, users can try to apply for a mortgage.

Some banks will only inquire about users' credit reports in the past three years. If the overdue record exists for more than three years after paying off, the user meets the conditions for applying for a mortgage.

Banks need to check users' credit reports in recent five years. Even if the overdue records have been paid off, users are still in a state of poor credit reporting. At this time, users cannot apply for mortgage loans.

As long as there are overdue records in the credit information, it will have a negative impact on personal credit information. Even if the user has paid off the overdue debt, it only reduces the negative impact of overdue records.

The overdue records must be deleted before the user's personal credit information will return to normal.

And during this period, users need to maintain a good credit record for a long time. Once a new overdue record is generated, the time for credit recovery will be recalculated.

Many people become blacklists of online loans after overdue, but I don't know that in addition to overdue, bad long-term loans will also be blacklisted. Specifically, we can check and test our long-term lending. Recently, long-term lending is mainly the application of individuals in lending institutions. It is suggested that we can wait for a while and stop all lending-related operations within three months. After three months, the natural risk index will be reduced and the blacklist will be eliminated.

Extended data:

What's the impact of three days in loans overdue?

The bank's three-day stay in loans overdue may affect the lender's credit report, leaving a bad credit record on the credit report, and at the same time being contacted by the bank by telephone to urge repayment. During the overdue period, the bank will also charge a penalty interest and finally solve it.

However, there are many loan products from banks, all of which are three days overdue. If the lender repays the loan in time, it may not affect the credit investigation. For example, some bank credit cards have a three-day grace period, and repayment during the grace period does not affect credit reporting.

However, there is no grace period for most loan products. If the lender fails to repay the loan on time, it will be overdue, which will affect the lender's credit information.

When applying for a loan, the lender may ask the bank whether there is a grace period for repayment.

The lender's overdue period is definitely not what the bank wants to see, which may lower the lender's qualification rating, reduce the lender's loan amount or even recover the full amount.

The impact of overdue is very great, and lenders must remember to repay on time.