How to deal with overdue credit investigation? Three elimination methods can be eliminated

Sunshine always comes after the rain

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Many friends were rejected when they applied for a loan. I don't know why they were rejected. Later, I found out that it was their bad credit. How can we deal with overdue credit investigation? Let's have a look.

1. Negotiate with the bank

If it is only occasionally overdue for no more than 3 days, you can actively contact the bank after making up the arrears. Some banks will have several days of time, while others will report overdue records to the Central Bank's Credit Information Center only next month. Therefore, the banks in arrears should be contacted as soon as they find the overdue records to solve the problem before reporting.

2. Non malicious overdue certificate

In case of inability to repay on time due to unemployment, disease or other accidents, before the final repayment period, the cardholder should take the initiative to call the bank credit card center to state his/her economic situation, declare that he/she is not in malicious debt, and apply for delayed repayment and interest concessions. Open a "non malicious overdue certificate", and the loan can also be cleared.

3. Objection application

Many people's overdue credit report is not caused by themselves, but may be caused by "fake loans". Contact the bank to explain the situation, and then go to the local People's Bank of China Credit Reference Center to submit an objection application. Generally, this kind of bad overdue record can be eliminated within 15 working days.

Dusty memory 2023-12-29 16:08:49

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How to deal with overdue credit investigation? Three elimination methods can be eliminated

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