How to deal with bad debts in Home Credit! How to deal with bad debts in Home Credit

If Home Credit's bad debt record is on personal credit, it is generally irrevocable and will not be deleted until 5 years have passed. If you don't have a credit report, you can negotiate with the staff of Home Credit to solve it.

Therefore, Home Credit's bad debts are recorded on personal credit, and you must pay off the arrears first, and then maintain good credit for the rest of the time, and if you apply for a credit card or loan at the bank, you must repay it on time.

Banks pay more attention to the credit of the past two years when applying for loans and credit cards, and if the credit history is good in the past two years, it is still possible to pass the review.

This is provided by Kangbo Finance, which focuses on the interpretation of financial hot events, the popularization of financial knowledge, adheres to professionalism, pursues fun, makes financial content that people can understand, and conveys financial value in a vivid and diverse way. Hope this helps.

You may not understand credit information, for example, I need a credit report to buy a house this year, I have just expired in the installment of Home Credit, not overdue, but the credit report will show that the repayment should be made in the past 3 months, and then the bank loan will not come down, and for example, if you have a problem with the credit report, don't think about taking the high-speed rail by plane, the need to use the ID card will be affected, as for the prosecution depends on the size of your amount, if it is small, it will not be, but on the credit, if it is big, it will sue you, and it will not be enforced, pure hand look.

It's best to repay the bad debts in a timely manner. After the occurrence of bad debts, Home Credit will upload this record to the credit information center, and the bad credit will affect the processing of various loans. After the bad debts are returned, the personal credit will automatically disappear after 5 years, and if the bad debts have not been processed, they will always be recorded in the credit report.

In fact, after the loan on Home Credit is overdue, the platform will collect, and the common collection method is ** and SMS collection, which will affect the normal life of individuals. If the amount owed is relatively large, the platform may also sue the borrower, and it is impossible to destroy it early.

When borrowing money on Home Credit, it is best to measure your ability to repay the reserve in advance, if the personal income is relatively large, then there is no problem with borrowing; If the individual's income is relatively small, it is necessary to borrow cautiously or reduce the amount of borrowing to avoid late repayment in the later stage.

Nowadays, there are many ways to borrow money online, and users can compare them on different platforms when borrowing, and then choose the one that suits them. When borrowing, you generally choose a platform with a low borrowing interest rate, and you can pay less interest after borrowing on such a platform, which is conducive to subsequent repayment and reduces the pressure of repayment.

Summary. Hello, how to deal with the bad debts of Home Credit will be eliminated? The correct answer is that if Home Credit's bad debt record is on personal credit, then it is generally irrevocable and will not be deleted until 5 years later. If you don't have a credit report, you can negotiate with the staff of Home Credit to solve it.

Hello, how to deal with the bad debts of Home Credit will be eliminated? The correct answer is that if Home Credit's bad debt record is on personal credit, then it is generally irrevocable and will not be deleted until 5 years later. If there is no credit on the bridge, you can negotiate with the staff of Home Credit to solve it.

I want to ask, I once did Gitzo's mobile phone installment in 2015, and I bought it for my girlfriend at that time, and it was an Apple Returning Destruction Liangguo 6plus. At that time, it was more than 6k or I have forgotten somewhat. It took more than half a year to pay it back, and then I broke up with my girlfriend, because I was still paying back the installments, so I discussed that the remaining installments would be repaid by my girlfriend herself.

As a result, she didn't pay it back after two installments! caused the overdue, and then Yu Lajiexin called ** to my relatives and friends everywhere, and called ** to the village, which made me angry, and I didn't care about it when I was leaking, I thought there was not much of a deal, who knew that there were bad debts when I bought a house this year. Now I want to inquire, if I want to negotiate with the bank to change the bad debt record to settle, and I return the money, how should I tell the bank that they will agree to the amount of bad debts after a little more than 3k.

You should negotiate with Home Credit, it's okay with the bank.

It's Home Credit that you upload to the credit report.

The upload was uploaded by them, but can Home Credit reverse the bad debts and settle them instead?

The upload was uploaded by them, and Home Credit was able to reverse the bad debts and settle them instead.

Okay thank you. Settlement certificates and data are also required from Home Credit.

It has nothing to do with the bank.

Will Home Credit provide you with proof and data? Or will they have to be provided as soon as I settle it.

Home Credit will provide proof and data, and you will have to provide them when you settle them.

Will the bad debt record on the credit report automatically change to settlement status after I settle it for 5 years?

That's right, the bad debt record on the credit report will automatically change to the settlement status after you settle it for 5 years.

Deal with arrears Ask the company to give a settlement certificate and go to the People's Bank of China to settle it.

Deal with arrears and renew them in 5 years.

After the account pays off the overdue arrears, Home Credit will naturally update the bad debt records in the uploaded credit report. Bad debt records, like general credit overdue records, will be retained for 5 years once generated, which means that there is a bad debt record that will have an impact on the user's personal credit for at least 5 years. It should be noted that after the bad debt record in the credit report is paid off, the grandson must contact the lender in time to ask him to change the bad debt record, otherwise the bad debt record may always remain in the credit record, which needs special attention.

After the bad debt record is generated, there is no other solution than to pay off the overdue debt, which is the only solution. Bad debt records, like overdue credit records, cannot be eliminated after they are generated, and can only be automatically deleted by the system after 5 years of arrears being paid off. Therefore, whether it is a bad debt record or an overdue record, you must pay off the arrears as soon as possible, and the sooner you pay it off, the shorter the impact on the user's personal credit.

As one of the first four pilot consumer finance companies approved by the China Banking Regulatory Commission, Home Credit Consumer Finance became the first wholly foreign-owned consumer finance company in China. [1]

Home Credit Consumer Finance**** was established on November 10, 2010. [5] As a fully compliant licensed consumer finance company, it officially opened in China at the end of 2010 and its shareholder is Home Credit Group, a leading international consumer finance service provider. Home Credit is committed to providing responsible financial credit and inclusive financial services to those who cannot be covered by traditional financial services, especially those with little or no credit history, and its business covers more than 300 cities in 29 provinces and municipalities across the country.

6] Home Credit actively deploys intelligent customer service, and uses artificial intelligence products such as intelligent robots and quality inspection robots in a variety of scenarios, which has significantly improved operational efficiency. With excellent data capture and analysis capabilities, combined with modern cutting-edge technologies such as big data, cloud services, automation and biometric detection, Home Credit has infiltrated its core risk control and management capabilities into every aspect of the business process to achieve efficient and immediate service to every customer, and become a reliable and reliable financial service partner for them. [7]

Company name. Home Credit Consumer Finance****.

Foreign name. hc consumer finance

Founded. November 10, 2010.

Legal representative.

ondrejfrydrych

Type of company. Limited liability company (wholly foreign-owned).

Hello dear, glad to answer for you. Home Credit bad debts will be eliminated before the disposal team teases the method: 1. Home Credit's bad debts are recorded on the personal credit report, and the best way is to pay off the arrears first, and then maintain good credit in the following time; 2. If you don't have a credit report, you can still negotiate with the staff of Home Credit and apply for a credit card loan in the bank, and you must repay it regularly.

The borrowing record on Home Credit has become a bad debt record, and the user needs to take the initiative to find Home Credit to explain that the individual will pay off the overdue arrears as soon as possible, and after paying off the overdue arrears, Home Credit will synchronously upload the information paid off by the user to the credit report, so that from the date of paying off the arrears, the bad debt records will be retained in the credit report for 5 years, and the bad debt records will be automatically deleted after 5 years. Bad debt records can only be automatically deleted if the overdue arrears are paid off, and there is no other way to delete bad debt records. The longer the bad debt record is kept in the credit report, the greater the adverse impact on the user's personal credit report, please pay off the overdue arrears as soon as possible after the bad debt record appears in the credit report, so that the personal credit report can be restored as soon as possible.

When the user is unable to repay, he can apply to Home Credit for negotiation repayment, and the negotiation repayment function reduces the user's repayment pressure, which can help the user pay off the overdue arrears as soon as possible. If the negotiation is unsuccessful, the user needs to find a way to scrape together the money to repay. Kiss <>

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Kiss, you are good at it! Home Credit Bad Debts: Home Credit has bad debts (i.e. overdue loans) that need to be properly dealt with in order to be eliminated.

In general, the following steps need to be followed:1Get in touch with Home Credit:

The first thing to do is to contact Home Credit to understand the details of the doubtful debt, determine the repayment method and repayment time. Discussing a repayment plan with Home Credit and adhering to the agreement can help avoid collections and late fines. 2.

Repayment method: repay the loan on time according to the agreed repayment method. You can choose to pay off the arrears in a lump sum or in instalments, which can be agreed with Home Credit.

3.Maintain a good repayment history: Making timely payments and maintaining a stable credit history can help improve your personal credit score and credit history, increasing your approval rate and loan amount for future loan and credit card applications.

You usually need to wait three months or more for your credit history to be renewed, so you need to be patient. It is important to note that even if you successfully pay off your bad debts, your credit score may be affected until you update your credit history, and it may be difficult to get more loan lines or better loan interest rates from older banks. Therefore, in the process of applying for future loans and credit cards, you need to choose carefully and pay attention to your repayment ability and credit history.