Is the blacklist of online loans permanent?

Entering the blacklist of credit information, the money is not paid at once. Will it always be on the blacklist?

No, the term of the list of untrustworthy people is generally two years, but it doesn't mean that Lao Lai will be fine after two years, and he will be able to come out of the blacklist of untrustworthy people, depending on the performance of untrustworthy people. For example, if a dishonest debtor pays off his debts within two years, he can apply to the court for removal from the list of untrustworthy debtors, which can generally be solved in less than three days. Otherwise, if Lao Lai doesn't repay the loan for the rest of his life, he may really be blacklisted for the rest of his life.

Although the blacklist of credit information is not lifelong, it will be recorded in the future. If you really want to investigate, you can also investigate. Generally speaking, as long as it reaches a certain number of years, credit information can be automatically eliminated, so don't worry. The central bank will only keep the overdue records for five years, and the records will be automatically cleared after five years, but only if the overdue debts have been paid off. If the online loan is overdue, it needs to be paid off as soon as possible. Never overdue, the consequences will be very serious after overdue.

Generally speaking, the blacklist will be lifted when the money is paid off. If it does not go up, it will only be blacklisted, personal travel by plane and high-speed rail will be restricted, and bank loans and business will also be affected. In short, individuals who enter the credit blacklist will have no credibility! So be sure to pay off the loan as soon as possible.

Credit investigation refers to collecting, sorting, saving and processing the credit information of natural persons, legal persons and other organizations according to law, providing credit reports, credit evaluation, credit information consultation and other services to help customers judge and control credit risks and carry out credit management activities. From Zuo Gong's Eight Years, "A gentleman keeps his word and has a levy, so his resentment is far greater than his body". Among them, "collecting by faith" means that you can verify the credibility of your words, or you can collect and verify credit.

Credit information is to upload personal consumption records and credit records to the central bank's credit information system, so that these records can be reflected in personal credit reports. At present, credit reports mainly exist in various consumer credit businesses of banks. With the further improvement of the social credit system, credit reports will be applied to commercial credit sales, credit transactions, recruitment and job hunting and other fields.

Is the blacklist of credit information lifelong?

This blacklist is not for life, because the credit record of the central bank is constantly updated. In this process, the previous bad records will be updated. But under normal circumstances, personal bad records will be kept for 5 years, and will be automatically eliminated after more than 5 years.

The blacklist of credit information is not lifelong.

This blacklist is not for life, because the credit record of the central bank is constantly updated. In this process, the previous bad records will be updated. But under normal circumstances, personal bad records will be kept for 5 years, and will be automatically eliminated after more than 5 years. Of course, there are special circumstances. If users don't deal with their bad records for a long time, then this credit stain will always exist. Personal credit information is an important reference standard for banks to issue loans. If there is a credit blacklist, it will be directly rejected by the bank during the loan approval process. The Regulations on the Administration of Credit Information Industry stipulates that the retention period of personal bad information by credit information agencies is 5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted. Relevant departments will generally give priority to recent consumption and repayment records when handling new business.

Investigation of firm's credit

In daily life, users must maintain their good credit and avoid unnecessary troubles. Users can query credit information in the following ways:

1, counter inquiry. In the process of inquiry, users can bring their ID cards to the local people's bank for inquiry.

2.2. Self-service inquiry. In addition to the People's Bank of China, many commercial banks now have credit inquiry machines. Users only need to put relevant certificates, and they can query and print.

3.3. Network query. Users use computers to enter the official website Credit Information Center of the People's Bank of China, register accounts on it, and bind their own bank cards, so users can make inquiries, which is very convenient.

How long can the blacklist of online loans be eliminated? The general saying is this!

; ? Nowadays, online lending is very popular with borrowers, and many people regard online lending platform as their second credit card. However, some people have entered the online loan blacklist because the online loan is seriously overdue. So, how long can the online loan blacklist be eliminated? Today, I will introduce the relevant content here.

According to the existing regulations, the blacklist information of online loans will be automatically eliminated after 5 years. However, this is based on everyone paying off their debts. In addition, you can also negotiate with your own online lending platform to try to get the other party to delete bad information as soon as possible.

Here are some suggestions to help you delete the information on the online loan blacklist as soon as possible.

1. Contact your online lending platform, explain the real reason for not being able to repay, and strive for the other party's understanding;

2. Discuss a feasible repayment plan with the online lending platform, and strive to pay off the loan as soon as possible (in terms of loan interest, you can also discuss with the online lending platform);

3. After determining the repayment plan, we must pay off the loan in full and on time in strict accordance with the negotiation results.

Under normal circumstances, if everyone can actively and properly handle overdue events, the information on the online loan blacklist can still be eliminated. However, you need to be wary of advertisements that can eliminate bad information by spending money. Those advertisements are "traps" dug by fraudsters to defraud fees and personal information.

If you wait for five years after paying off the loan and find that your online loan blacklist has not been eliminated, then you must immediately get in touch with the relevant online loan platforms and credit reporting agencies to protect your personal reputation from infringement.