As we all know, if you are on the 'credit blacklist', then you want to get a loan from the bank. So what will be on the credit blacklist? Can the blacklist be eliminated?
As a matter of fact, there is no blacklist in the central bank's credit reference system. It only records the personal credit status truthfully, including personal credit card, loan processing, application, repayment, etc. We often hear the term 'credit blacklist', which generally refers to the following situations:
1. In the past two years, personal credit reference should not be overdue more than six times;
2. There are overdue information for more than 90 consecutive days in the credit reference;
3. The current overdue credit information;
4. There are some special transaction information in credit investigation, generally including 'bad debts' and' freezing '. (Note: 'bad debt': long term unprocessed bad debt; 'frozen': account sealed by the court. )
5. There is information about the court being enforced.
6. Credit reports show that debt is too high.
7. Within half a year, there were more than 6 inquiries;
Then someone will ask: "the first six are understandable. Why do you get on the blacklist when you check your credit more frequently?"
Xiao Fang tells everyone here: don't check your credit when you have nothing to do, because only those who have frequent loans will check their credit. In other words, you are always short of money, which is a high-risk group in the eyes of banks.
If we are on the blacklist, how can we clean up our credit?
1. Explain or apply for objection to the bank in time
If it is not intentionally overdue and the overdue time is not long, you can contact the bank in time to explain the situation and pay off the loan. For the overdue personal information caused by the impostor or the bank's fault, the party concerned can go to the local credit reference center of the people's Bank of China with the relevant materials in time to file an objection application.
2. Wait 5 years for automatic elimination
The overdue records will be uploaded to the credit information system of the people's Bank of China, and the overdue personal credit report will be automatically cleared after five years if a good credit information record can be maintained after paying off the arrears from the date of recording.
3. Settle accounts in time
This is mainly aimed at the problem of bad debts mentioned above. Generally, after paying off the bad debts, the bad debts will be recorded as seriously overdue. If a good credit record can be maintained after death, the bad debts will be eliminated after five years.
In a word, credit reference represents a person's credit situation, banks and loan companies will refer to your credit situation to make loans to you, and if your credit record makes the following seven thousand, then you want to borrow money, but the company will refer to your credit situation to make loans to you, and if your credit record makes the following seven thousand, then it is really difficult to borrow money!