The time of each bank is different. The update frequency of personal credit information is six months, and the maximum interval is generally no more than two months. For example, a bank is scheduled to report the updated information of last month on 25th of each month, and the credit business from June 65438+1 October1June 65438+1October 3 1 is grouped in the message submitted on 25th of February (it takes a little time to report the information to the credit report). If your business takes place on 1, it will take 56 days; if it takes place on 3 1, it will take 25 days.
If there is a bad credit record, how long can it be eliminated? Note that there are two situations:
Case 1: Credit card overdue record.
Credit card repayment information will be recorded by the central bank's credit information system for 24 months. If there are no new records after the deadline, this information will be saved for a long time. Therefore, after the credit card is overdue, don't cancel it immediately, but insist on using it for more than two years, and make records to eliminate overdue records.
Case 2: Bad credit record of loans
The Regulations on the Administration of Credit Information Industry stipulates that the retention period of personal bad information by credit information agencies is 7 years from the date of termination of bad behavior or incident; More than 7 years, should be deleted. Therefore, if the loan has a bad credit record, as long as it is no longer overdue within 7 years, the record will be automatically eliminated.