It takes three years for the inquiry record of credit information, and five years for the use and overdue record of credit information.

Now is the credit era, and everyone's life is inseparable from personal credit information. The personal credit we often refer to is the personal credit of the central bank. At present, all credit cards and loan products on the market basically cover the central bank's credit. This means that when a person has credit records and overdue records, this person's information will be reflected in the central bank's credit information in real time, which will directly affect a person's daily life.

first, let me talk about the basic content of credit investigation.

as I mentioned above, personal credit investigation is very important for everyone. In the past, some people may not have the concept of credit reporting, but as these people encounter difficulties when buying a house or a car, they will find the importance of credit reporting. Generally speaking, it takes 3~5 years to erase the credit records, during which any credit behavior of this person will be affected to varying degrees.

second, it takes three years to cover the inquiry records of credit reporting.

some people may apply for credit cards or online loans frequently, but they feel that they have not applied successfully, so there is nothing wrong. This idea is very naive, because as long as a person has an application record, relevant institutions and banks will inquire about a person's personal credit information, and your personal credit information will be reflected. Generally, the inquiry records of credit information will be kept for three years, and no one can subjectively erase them.

3. It takes 5 years to cover the use of credit information and overdue records.

if a person has substantial overdue behavior in his life, his overdue record will be reflected in the credit investigation. Even if this person has not been overdue, the credit card and online loan borrowed by this person will be reflected in your personal credit report. Generally speaking, it takes five years to cover the actual use records of these credit reports. Every time you apply for a loan or credit card from the bank, the bank will retrieve your personal credit information and see your previous inquiry and usage records in real time.