个人征信系统有不良记录要如何消除?靠谱方法(怎么消除)

发布时间：2023-04-25 11:50:13 来源：网络整理浏览：【大】【中】【小】

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个人征信系统有不良记录要如何消除?靠谱方法(怎么消除)，

现代生活对于人们的个人信用越来越重视，小到借东西、办信用卡，大到贷款买房、买车、做生意，都会考察你的征信情况。一旦你的个人征信系统上有了不良记录，办理申请信用卡、贷款等业务通常都会受阻。那如果上征信了要怎么消除呢？一起来看看有什么靠谱的解决方法吧。

上征信了怎么消除

根据了解到，目前上征信了是没办法直接进行消除的。但按照规定，我国目前的央行个人征信系统的信用记录是只保存5年的，超过5年的逾期记录将会自动消除。也就是说，过了5年央行就会自己把记录清除，就不再需要对其进行消除了。

但如果一直置欠款不理，不良记录就会一直跟着他，想要消去不良记录的唯一办法，就是用新的信用记录来覆盖旧的信用记录。另外，需要提醒大家的是，网上花钱消除征信不良记录的方法，都是骗人的，大家千万不要上当受骗。

关于征信系统有不良记录要如何消除，小编就和大家介绍到这了。更多内容请关注本站相关资讯。

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