A faithless person generally refers to a person who fails to fulfill his obligations on time, such as a person who borrows a loan or owes a credit card, resulting in a serious bad record on his credit report. If a faithless person wants to restore his credit, he must first pay off his debts. The list of untrustworthy people is aimed at untrustworthy people, that is, those who are sued and judged to have the ability to refuse to repay after the arrears are not repaid, while untrustworthy people are only those who simply owe money and do not repay, or those who really have no repayment ability. Generally, a faithless person can resume credit investigation after paying off his debts, but it does not mean that it will be resumed as soon as it is paid off, and it can only be eliminated after five years from the date of paying off. After all, when a faithless person resumes credit investigation, in fact, all he has to do is wait for the bad records on credit investigation to be eliminated, and the period must not be overdue, otherwise the time will accumulate again after the arrears are paid off.
legal ground
Article 10 of the "Several Provisions of the Supreme People's Court Municipality on Publishing the Information of the List of Executed Persons with Bad Faith" is under any of the following circumstances, the people's court shall delete the information of bad faith within three working days: (1) the person subjected to execution has fulfilled the obligations specified in the effective legal documents or the people's court has completed the execution; (2) The parties have reached an execution settlement agreement, which has been fulfilled; (3) The application executor applies in writing to delete the untrustworthy information, and the people's court examines and agrees; (4) After the execution of the program, the property of the person subjected to execution is inquired twice or more through the network execution inspection and control system, and no property available for execution is found, and the applicant for execution or other people fail to provide effective property clues; (5) The person subjected to execution for breach of trust who has been ordered by the people's court to suspend execution according to law due to trial supervision or bankruptcy proceedings; (six) the people's court ruled not to execute according to law; (seven) the people's court ruled to terminate the execution according to law. If there is a time limit for inclusion, the provisions of the preceding paragraph shall not apply. Within three working days after the expiration of the inclusion period, the people's court shall delete the untrustworthy information. After deleting the information of dishonesty in accordance with the provisions of the first paragraph of this article, the people's court may re-include it in the list of persons subjected to dishonesty if the person subjected to execution has one of the circumstances specified in Article 1 of these provisions. In accordance with the provisions of the first paragraph of this article, the people's court shall not support the application for the inclusion of the person subjected to execution in the list of persons subjected to dishonesty within six months after deleting the information of dishonesty.