As long as the credit investigation is carried out, it generally takes five years to eliminate it. If the corresponding conditions are met, the overdue debt must be paid off first, and then the overdue behavior must be stopped within five years after the debt is paid off, otherwise the bad credit record will always exist and cannot be eliminated.
 How long can the credit record overdue for one day be eliminated
 1. Wait slowly: When the borrower's loan is overdue, if you want to eliminate the overdue record, you need to immediately settle the loan and overdue fine. According to the regulations, overdue records will be automatically eliminated after five years from the date of repayment.
 2. If it is not caused by personal reasons, the borrower can raise an objection to modify the record. If the overdue is due to some unintentional losses or some irresistible factors, the borrower can apply to the bank or the lending institution for confirmation of intentional overdue, and then bring the confirmation letter to the credit investigation center of the People's Bank of China to change the personal credit record.
 Will a lawsuit be filed if the bank's credit is 30000 yuan overdue?
 If you owe 30000 yuan to the bank credit card, you will still be prosecuted. Prosecution process of credit owed to banks:
 1. First of all, if the bank still fails to repay after several reminders, the bank will file a civil lawsuit to the court;
 2. After receiving the lawsuit request from the bank, the court will take the initiative to investigate the truth. Once it is confirmed that the long-term debt has not been paid, the court will ask the bank for personal information;
 3. The bank collates litigation materials and submits them to the court for approval. The court will generally approve the litigation materials within 7 days after receiving them to decide whether to accept the case;
 4. If the credit card is still not returned after a civil judgment, it constitutes a crime of credit card fraud and should bear criminal responsibility;
 5. After the relevant departments put the case on file for investigation, the bank will entrust the local people's procuratorate to file a public prosecution to the court about four months later.
 How to eliminate overdue personal credit loans?
 There are two types of overdue credit reporting: active overdue and passive overdue, with different elimination methods.
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