What special circumstances can repair the credit investigation

Under normal circumstances, if the credit investigation is late for the following reasons, the bank may ask the bank to repair it. After the repair, the credit investigation file will be restored next month, so there is no need to wait 5 years.

1. The delay is in accordance with the regulations of the time tolerance service

Right now, all of the major banks have concurrent tolerance services. The so-called tolerance is to allow a certain grace period after the expiration of the repayment date, as long as the repayment within the grace period is considered normal repayment, there will be no overdue records. Currently, the lead time for large banks is around three days, which means that as long as you normally repay within three days of repayment due, there will be no backlog.

Tolerance is all about allowing the reimburser to have some difference during each reimbursement invoice day. As long as the difference is within a certain limit, it will be considered a normal refund and no bad records will be generated. Most banks have a tolerance of less than $ 10. It is when the minimum repayment amount is less than $ 10 when the minimum repayment amount is less than $ 10, then it will be considered normal repayment without bad credit.

If you are late for a refund a few days later or a few dollars less, you can call the bank and ask the bank to fix the credit records.

2. Late due to bank misconduct

Sometimes everyone clearly repays the loan, but the bank does not deduct the payment on time, resulting in a delay in repayment, due to reasons specific to the bank. For example, the upgrade of the banking system led to the failure of the money deduction normally, the bank did not notify the cardholder of the invoice in time, and the bank did not notify the payor after increasing the interest rate. If the credit is in arrears due to these bank defaults, you can appeal to the bank, and the bank will usually repair the credit check.

3. Overdue due to special expenses

The special charges mentioned here usually refer to some easily overlooked charges such as annual credit card fees, credit card damages, as these charges are usually not incurred. If the credit card incurs these charges after the user does not know it, resulting in a delay, then Users can ask the bank to repair.

4. Late due to false information

Nowadays, information leaks are more serious. Some people buy other people's information online and then apply for credit cards or loans. Some banks may accept certain credit cards or loans because of their lax opinion. Once these credit cards or loans were approved, those who stole the money directly withdrew the money without paying them back normally, resulting in late payments for real users. This behavior is due to lax bank control and misappropriation of user information, which results in delays. If this happens, you can provide relevant evidence to negotiate with the bank. If the bank does not agree, you will take direct action to the local court or local bank supervisor. In the end, bad credit can usually be repaired.

5. Late due to the special nature of the work

Some people have relatively special jobs and often travel to remote locations to perform tasks or perform secret tasks. For example, some officials did not return their credit cards on time when they went out to perform duties. In this case, as long as the relevant certificates of the unit can be provided and the bank negotiates, the bad credit can be fixed.