For many people who fail to repay their loans, it's easy to be on the credit blacklist. Once there is a blacklist, it's difficult to make loans. Can the blacklist be eliminated? How can the blacklist be eliminated? The following small editor will teach you how to delete the blacklist.
What is a bank blacklist?
Generally speaking, the bank blacklist or bad record refers to the bank's bad evaluation of personal credit, which directly affects the personal loan to the bank and other businesses. For the repayment status of personal loans in the last 24 months, it will also be listed in the credit report.
In case of overdue due to personal non punctual repayment, the credit report will show the range of overdue days, '1' means overdue for 1-30 days, '2' means overdue for 31-60 days, and so on. When credit managers call personal credit reports, they can easily judge how personal credit status is and how many negative records there are.
The process of eliminating credit blacklist is as follows:
The first step is repayment;
Second, get the settlement certificate issued by the bank (after paying off all overdue debts);
The third step is to attach the historical repayment details (which can prove that the past overdue time is short) to the refinancing;
Step four, attach a written statement explaining or clarifying the 'fault' in the details.
Notes on elimination of credit blacklist
1. Don't listen and spend money to eliminate blacklist
2. The blacklist of credit is usually kept for five years. During this period, we suggest that you use the existing good records to replace the previous bad records
3. Generally speaking, the prerequisite for successful elimination of credit blacklist is not the blacklist caused by my fault
4. Cherish your credit.