How to eliminate the bank blacklist and how to eliminate the bank blacklist

Satisfied. You should pay off the arrears in time and apply to the local People's Bank of China to cancel the personal bad record, and then cancel the bad credit record after half a year. Don't worry, you'll be removed from the blacklist when you pay off your debts.

The paper materials of the bank are generally kept for 10-15 years, depending on the bank, but few people check it, unless there is a major event. The documents they submit to their superiors to prove your personal credit history are printed out of the PBOC system and are only printed in 24 months. In other words, no matter what your previous credit was, as long as you take care of your credit history within 2 years from now, your credit record will be good when you apply for a credit card or loan in 2 years, and you will not lose points, so there is no need to worry too much.

Rest assured, banks are not so advanced, and the subjective factor of people is very important. If you have a good relationship with the bank clerk, or he doesn't think there is any risk, he will get things done, depending on how the report is written. In addition, the pedestrian system should be updated at any time, and it is impossible to keep so much data for future reference at any time.

The time to check the records can allow the bank's personnel to do other business to earn income, and it will not be too serious with you. A good track record within 2 years is a sign Start paying attention now The bank's internal blacklist is generally permanent, and it is possible to cancel it unless you have a good credit history at the bank later; There is still no official confirmation of whether the bad credit history of the credit bureau system is 7 years or how many years.

Hello, you can't eliminate it yourself, you need to wait for 5 years to do it.

Nowadays, bank credit is very important, if the loan or credit card is overdue, it will be blacklisted, which will affect all aspects of daily life, so how to eliminate the bank blacklist? Next, I will give Li Shi everyone an analysis of the different situations and solutions, let's take a look!

What we usually call a bank blacklist or bad record refers to a bank's bad assessment of an individual's credit, which directly affects an individual's loans to banks and other businesses. A credit report for the last 24 months regarding the status of your personal loan repayments will also be listed.

How to remove a bank blacklist? Basically, there are several situations that need to be addressed.

In the first case, the bad record on the credit report comes from the wrong information entry. Such as "guarantee", "loan" or false information. Usually, you need to bring your own ID and then file an objection application with your local ** bank, which can usually be resolved within 15 working days.

If it's a "loan" case, which potato limb can be relatively complex, so it's necessary to find a bank to verify and resolve. If it can't be resolved properly, there are legal means available to file an appeal.

In the second case, the bad record is caused by a non-malicious arrears. When you first notice a problem, you should contact your bank to proactively resolve the issue, pay off the amount owed, and explain the reason for the debt. In less serious cases, the bank can issue expired certificates that are not malicious.

This way, your path to applying for a loan will be relatively smooth.

The third case is automatically eliminated after waiting for 5 years. **The bank will keep a personal bad credit history for 5 years, which means that if you pay off all your debts, you will keep a good repayment record next time. After 5 years, your bad credit history will be automatically expunged; However, if you keep ignoring the amount you owe, then this bad record will always be there.

Hello! Wait for 5 years and then automatically eliminate it. The central bank will keep a bad credit record for 5 years, which means that if you pay off all the arrears, maintain a good repayment record for the next time, and after 5 years, your bad credit record will be automatically eliminated; But if you keep ignoring the arrears, then this bad record will always follow you.

Under normal circumstances, the blacklist of judgment defaulters is valid for two years, and after two years, it will be automatically eliminated, and responsibilities can be performed in advance, and it can be eliminated within three working days, and if it is of a bad nature, the elimination time will be extended accordingly.

The credit blacklist will be retained for a longer time, even after all the records are cleared, the overdue records will be retained on the credit report, and there will be no impact after 5 years.

The industry blacklist is inevitable, which is related to bank risk control, you can try to change industries or occupations, as long as the income is stable, it will be much easier to apply for loans and cards.

Extended information] Bank blacklist refers to users who have been overdue for a long time, repeatedly failed to repay the payment, illegally cashed out, and other users who have been listed by the relevant banks as refusing credit. Blacklist data is retained in the central bank's personal credit reporting system for five years, and particularly serious and obviously malicious negative information such as bankruptcy is retained for ten years. After the retention period, the negative record will be deleted from the individual's credit report.

Possible impact of credit card blacklists:

1.An additional 50% interest will be charged.

Although each lending institution is different, the penalty interest of each lending institution is also different, if the credit loan is overdue, the lending institution will first collect the loan, remind the borrower to repay, and the interest rate will rise as a daily penalty interest.

Citibank, for example, will add 50% interest to the original interest rate, and some microfinance companies may charge more liquidated damages.

2.Impact careers.

For students whose student loans are overdue for more than 90 days and the circumstances are serious, the bank or school will publish the ID number and overdue information on **, or inform the employer. If the bank defaults maliciously or intentionally defaults, the bank will sue you. If it is overdue but not for 90 consecutive days, and can be remedied in time after the overdue period and repays on time, the credit will not be greatly affected.

3.Unable to apply for a loan.

Many people have left overdue records, and it is impossible to apply for a mortgage.

4.Bad credit history.

The day after the overdue, your name will appear in the bank's internal system, and both the president and the risk control will see it. And it will inevitably affect credit, once you leave a bad credit record, it may be retained for 3 to 7 years. If the overdue situation is serious, the housing loan and car loan will be affected.