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修复不良信用记录有诀窍

2017-09-28 07:47:52   

拥有良好的个人信用记录越来越重要。不仅买房、买车申请贷款时要看个人信用记录,一旦信用出现较大“污点”,还可能无法购买火车票、飞机票等,影响出行;未来,个人信用记录的影响范围可能更广。这样看来,保持“完美”的个人信用记录非常必要。可是,如果一不小心留下了不良信用记录怎么办?

现在,网上或路边经常可以看到一些“小广告”,声称可以花钱帮你抹掉、修复不良记录。值得注意的是,当出现不良记录时,千万不能“病急乱投医”,轻信此类广告花“冤枉钱”。在一些特定的情况下,靠自己就能够“修复”这样的不良记录。

日前,家住武汉的李先生就成功“修复”过一次。两年前,一位在银行工作的朋友有开卡任务,请他帮忙办一张信用卡。李先生虽然并不需要,碍于情面还是办了一张,收到银行寄来的信用卡后就随手扔在了抽屉里,根本没有开卡。两年后,李先生申请房贷时却被告知,自己有信用卡欠款逾期未还的不良记录,不能给他发放贷款。

查询过后才知道,两年前开的这张信用卡是有年费的,虽然李先生没开卡也没使用,但因年费产生了欠款,导致出现了信用卡逾期的不良记录。最后,经过与开卡银行交涉,李先生向发卡银行提交一份情况说明,并经由银行反映给中国人民银行征信中心,顺利消除了这一不良记录,房贷终于顺利批了下来。

类似这样的“乌龙”不少人都经历过,业内人士提醒,如果出现这种情况,消费者只需尽快联系银行消除即可。但如果是自己确实忘记还款了该怎么办?

据业内人士介绍,如果是刚刚发生的逾期,应该立即联系银行客服并及时还款。如果是在极短的时间内,比如仅仅逾期一两天,银行一般还没有把信用信息上报给人民银行征信中心,此时与银行客服沟通并还款,一般不会造成不良信用记录。

值得关注的是,除了未激活信用卡被收年费、信用卡利率调整导致还款金额不足以及其他不可抗力,导致无法按时还款等情况之外,一旦产生不良信用记录,任何机构或个人都没有办法修改。

不过,这也并不意味着这些不良记录会伴随终身。据介绍,目前个人不良信用记录保留期为5年,但需要注意的是,这5年的时间并不是从逾期发生开始算起,而是从逾期本金和利息结清的那一刻开始计算。如果在此之后的5年内保持良好的信用习惯,不再产生新的逾期记录,那么5年后这一不良信用记录就会自动消除。

既然使用信用卡有这么多“乌龙”,那么不使用信用卡是不是信用报告就完美了?对此,业内人士表示,如果不需要申请房贷、车贷等各类贷款,确实没有关系,但是如果没有任何信用记录,一旦需要申办贷款反而会更难。此时,银行无法查询到任何信用记录,反而可能被归为高风险人群。因此,使用信用卡并按时还款,反而是一份“完美”的信用报告必不可少的一部分。信用卡数量也不宜太多,否则容易忘记还款日期、还款金额等。对消费者来说,还可巧用各种“小帮手”,如关联银行卡自动还款、还款提醒等,管理好手头的信用卡,也可以很好地降低发生不良信用的风险。

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