How can the credit investigation on Huabei be eliminated?

If it is a normal repayment record, after Huabei reports the credit report, this record cannot be eliminated, because the normal repayment record is part of the personal credit report. After the Huabei overdue record is on the credit report, from the date of settlement, the overdue record will be retained in the credit report for 5 years, and the system will automatically delete the overdue record after 5 years.

Therefore, the normal Huabei records do not need to be erased, and the user only needs to eliminate those overdue Huabei records.

Huabei's credit investigation is subject to the user's authorization, and the channel is that the user agrees to Huabei's service upgrade, so that the user's Huabei will be reported to the credit system. There will only be one record on the credit report on Huabei, which will display information such as Huabei's account opening time, lending institution, credit line, repayment situation, and quota usage, which will be updated in real time once a month.

Although users can close Huabei, the normal credit record will still be maintained, but because Huabei is no longer used, Huabei's repayment and usage will not be updated, and the basic information of Huabei can still be found by checking the credit, including account opening time, lending institutions, credit lines, etc.

If Huabei has overdue records, because closing Huabei is to pay off the arrears, the overdue records will be kept for 5 years before they are eliminated. But Huabei will not generate new records to cover the overdue records, even if the arrears are paid off, it is still difficult to apply for loans and credit cards in the short term.

In fact, there is no need for everyone to treat Huabei on credit as if it were a great enemy, think about it in another way, as long as Huabei can repay on time, it is not a bad thing to be on credit. After all, many people have never applied for credit cards or loans, but by using Huabei, they can establish good personal credit, and it will be relatively easy to apply for credit cards and loans in the future.

Huabei is on the credit, and it cannot be eliminated.

Because personal credit is recorded by the People's Bank of China, it cannot be eliminated. Therefore, personal credit reporting has the force of law.

Huabei is on the credit report, and it will be automatically eliminated after five years.

Therefore, we should cherish personal credit.

This needs to be paid in full for all the previous arrears.

1. If you are on the credit report, you can cancel the authorization, that is, to settle the arrears and close Huabei, but the corresponding records of the user will also be combined and reported, and this part of the record has always existed.

2. Settle the arrears first, then close Huabei and re-open, as long as you don't agree to the "upgrade", you won't submit the credit report.

3. In Huabei, open [My]-[Help Center].

4. Select [Huabei Early Settlement] to pay off all the arrears.

5. Return to Huabei [My]-[Other].

6. Select [Close Huabei].

7. Then re-open Huabei, and in your "Relevant Contracts and Product Descriptions", there will be no credit reporting authorization.

8. In the future, there will be no shadow of Huabei in the credit investigation. However, it should be noted that if it is reopened in this way, the quota of Huabei may change, and the corresponding records will be combined and reported before, and this part of the records has always existed.

There is no way to eliminate Huabei's credit information, it is all automatic, if you don't want to be on the credit information, you can only close Huabei, so that it will not affect the credit because of Huabei.

If Huabei does not repay on time for a long time many times. will be reported to the credit reporting system. It will take 5 years for the reporting system to be automatically eliminated. It can have a serious impact on your credit profile. Therefore, when using Huabei, you must do what you can.

Huabei on the credit, if it is a normal consumer repayment record, this does not matter, if it is overdue, make up the arrears, and it will be automatically cleared after 5 years.

It cannot be eliminated within five years. This is the time limit for the retention of credit records.

There is no way to eliminate this, and it will be kept for five years.

We can alleviate the credit report, but we can't eliminate it

Credit inquiry records cannot be deleted, but the credit report only shows the inquiry records within the last 2 years, and the inquiry records more than 2 years will not be displayed.

Therefore, if the personal credit report is spent, as long as it remains unprocessed for a long time, there is no need to delete the record.

Credit is a person's ID card in finance, if it is spent, it will seriously affect the credibility of the individual in the banking system, but the credit is not immutable and can be eliminated.

1. Apply to the central bank to eliminate the wrong recordIf the bad record information on the personal credit report is entered incorrectly, you can go to the local central bank and submit an application for revocation, which can usually be resolved within ten working days after the application is accepted;

2. Automatic elimination of bad recordsIf there has been a previous credit card overdue that resulted in a bad credit record, then the bad record will be automatically eliminated after five years when all the arrears have been paid off.

With the continuous advancement of time, the importance of personal credit in life is getting higher and higher, especially on the road of building credit assets and applying for credit cards, it can be said that it is a "basic requirement", and the credit report will be rejected directly, but the user group of the credit report flower still has the opportunity to apply for a card, so, how to use a credit card for credit information, today Xiao Qin will share with you the special skills of credit information flower optimization and applying for a credit card, interested friends do not miss it!

1. What is a credit report?

What does it mean to spend on a credit report? In layman's terms, it means that if you apply for a credit card or apply for financial products on the Internet platform many times in a short period of time, at this time, your credit report will have a record equivalent to all the credit cards + Internet financial products you have applied for. No more than 3 credit inquiry records per month;

2. Don't blindly apply and act as an agent!

Many cardholders do not understand the situation, hear others say that they are rejected and persevere, until they are successful, cardholders, no matter how anxious you are, how much you want to apply for a credit card, after the same bank is rejected, wait at least 3 months before applying, otherwise it will be rejected, and the final injury will always be your own credit! Don't believe the words of any agent, this is the "rule" of the bank, no one is special, the agency will only make your credit more expensive, and even lead to financial losses for you!

3. Optimize credit reporting.

There are two ways to optimize credit information: the first is to completely recuperate without making any active applications and inquiries to optimize credit information, which has a long period and takes 6-12 months; The second is to optimize credit through a foreign currency single currency card, 1 foreign currency consumption per bill, so that the foreign currency account on the credit report appears "n" logo, the cycle only takes 3 months, and then you can apply for a card and a loan normally, the detailed steps and details are longer, you can consult Xiao Qin if you want to learn.

Fourth, create attention.

At the same time of credit optimization, for the target bank you want to apply for, it is recommended to choose the second and third gradient banks to do the attention, improve your internal comprehensive score in the bank (the attention of each bank has a different method, it cannot be explained all here, if you want to learn, you can consult Xiaoqin WeChat), after the credit optimization is over, choose a low-threshold card type to submit an application, and it can basically be successful. The attention here must be done, otherwise your conditions 6 months ago and 6 months later your conditions have not changed, and the results of your application for a credit card at the bank have not changed!

Four ways to correctly "whitewash" credit reporting

1.It takes time to eliminate

After the overdue date, the bank will upload the overdue situation to the credit information system of the People's Bank of China, resulting in credit stains. If the personal credit report is overdue, from the date of recording, after paying off the arrears, maintain a good credit record, and it can be cleared after 5 years.

2.Explain to the bank at the beginning of the overdue period

Many of them are not intentional, but they forget the repayment date. At this time, you should contact the bank and loan platform as soon as possible to explain that you do not intend to overdue and repay the loan in time.

3.Filed an objection with the bank after the deadline

Not all overdues are self-inflicted, and sometimes it can be due to the impersonation of personal information or the bank's mistakes. If you find that the credit report is incorrect, you should go to the local People's Bank of China Credit Information Center in time to submit an objection application and submit relevant materials.

4.Timely removal of bad debts

"Bad debt" is a very scary word! Therefore, you must clear your bad debts, and after paying them off, the bad debts will be recorded as seriously overdue, maintain a good credit record, and eliminate them after 5 years.

It takes at least 6 months for the credit to be restored, and the credit is required within these 6 months. If it doesn't work in 6 months, it will be able to be raised in 1 year.

1.Don't want to eliminate credit inquiry records by raising credit, credit inquiry records are usually kept for 2 years before they are automatically eliminated, and credit investigation can reduce the impact of bad credit and improve the success rate of loan applications.

2.When applying for a loan or credit card, the approver will reject the borrower's application because there are too many inquiry records.

3.Theoretically, after the first half of the year, the negative impact of those query records will be greatly reduced. If you stop for a longer time, such as after two years, the negative impact is basically gone, not basically gone, but the query record is no longer displayed after more than two years, and you can't see it if you want to see it.

The only way to fix personal credit is not to apply for any credit business in the near future, and this situation needs to be maintained for at least 3 months or more. As long as the number of inquiry records decreases, then the credit can be restored, and the credit business can be handled normally after the credit is restored.

Therefore, if the credit report is spent, the user does not need to repair it additionally, as long as the number of credit transactions is reduced, the credit will be restored by itself.

Credit investigation can be slowly relieved, but it cannot be eliminated.

If the credit investigation is spent, then it generally takes half a year to recoverIf the recovery is not good in half a year, then it will take a year to slowly raise the credit. If you want to maintain personal credit, you must pay attention to not apply for any small loan business in the past six months, and do not apply for a credit card, because once you apply, a new query record will appear in the personal credit report. Don't register a personal account on the online loan platform at will, because the credit authorization of some platforms is relatively hidden, once the user registers and clicks to check the limit, the lending institution will check the user's credit.

In addition, the best way to maintain credit is to help credit cards to raise personal credit, users with credit cards under their names usually use credit cards to consume normally, and then maintain a good repayment record, so that they can maintain credit after a period of time. In this way, the bank will feel that we are a good credit user, and our credit will be improved.

Don't use all kinds of online loans at will. The third is: to keep the credit report clean within two years.

When banking institutions check the credit report, they mainly pay attention to the credit information in the past two years, and if there are too many overdue or online loan application records, inquiry records, and inquiry records in the past two years, banks will generally be more cautious.

Therefore, before doing anything, you must have a plan, such as preparing to buy a house, or preparing to apply for other loans, it is best to maintain a good credit report two years in advance, do not apply for too many loans in the past two years, do not click on various application links at will, so as to maintain a clean credit environment.

This kind of "flower credit" is mainly reflected in the following aspects:

First, there are too many query records. Nowadays, many credit platforms have to check the credit report when reviewing the credit, if you apply for a variety of credit products at will, then apply for a credit report each time, and the result is to leave many inquiry records in the credit report.

Most financial institutions require that there should be no more than 6 credit inquiry records within a year, and some banks have stricter requirements, and even require no more than three approval records within half a year.

Online loans have all been connected to the credit system of ** banks, and these online loans are recorded every time you borrow money.

The credit investigation is spent, and it cannot be eliminated.

You can only wait for five years before it is automatically eliminated.

So cherish your credit.

There is no way to get rid of it, as long as you pay off the bank debt and there is no record of violation again for three years.

Even if it is closed, there is still a recordHuabei.

After the credit is reported, it is classified as a consumer loan.

No matter how many times it is used, there is only one record, and its basic information, Huabei amount and repayment status are reported to the central bank on a monthly basis.

Credit Reporting. If Huabei can repay on time, it is a normal lending behavior and can accumulate good credit; But if there is an overdue, bad credit will be generated.

If the user also has to apply for a large amount of loans, such as housing loans, car loans, there is a Huabei record may lead to the loan not being approved, even if it is not overdue, but the unpaid arrears are counted as personal liabilities, plus some banks are more strict, thinking that the repayment ability of borrowing consumer loans is not good, and they will be cautious in approving loans.

Only overdue records and inquiry records will disappear from the credit report, of which the overdue record will be automatically counted after 5 years from the date of repayment, and the credit inquiry record will only display 2 years of records. However, Huabei's basic loan information is permanently preserved, and even if Huabei has been settled and closed, it can also be found from the credit report. It's just that after Huabei is no longer used, the Huabei quota and repayment status will not be updated.