Apply for online loan, if overdue repayment, or even refuse to repay, then it will be on the credit blacklist. A lot of Laolai will ask if they can make airplanes and high-speed rail after being blacklisted. How many years can the blacklist be eliminated?
According to the provisions of the Supreme People's Court on the publication of the information on the list of dishonest Executees, the following actions can be taken against the dishonest Executees:
One is to prohibit some high consumption behaviors, including the prohibition of flying or sleeping on the train; the other is to implement other credit punishment, including the restriction of loans or credit cards in financial institutions; the third is that the person who is dishonest is a natural person, and shall not act as the legal representative, director, supervisor, senior management of the enterprise. From the above, it can be seen that the prohibition of flying is also a credit punishment for the dishonest. In other words, if you are on the blacklist of credit investigation, you can't fly.
Then, if the blacklist of credit investigation is so terrible, can it be eliminated? If it can be eliminated, how many years can it be eliminated? There are two situations:
1. If the "blacklist" refers to the bad record on the personal credit report of the central bank, the record has a time limit, and the bad information shall be retained for 5 years from the date of termination of the bad behavior or event.
2. If the information in the list of dishonest Executees needs to fulfill their obligations, they can apply to the people's court for deletion from the list of dishonest Executees. Remind you that the 5-year term starts from the actual repayment date, not the repayment date, that is, after the loan is paid off, the overdue records over 5 years will be automatically eliminated. Therefore, whether the blacklist of credit investigation can be eliminated depends on whether you repay on schedule and whether you pay off the money. If you continue to be overdue, the credit stain will become more and more serious.