Updated once a month.

ICBC's credit information is generally updated once a month. In fact, ICBC uses the data from the Credit Information Center of the People's Bank of China, which is updated every two months. However, the frequency of updating has a great relationship with the number of declarations made by various banks or institutions. Generally, the data inquired by individuals are not real-time data, but the credit information data 30 days ago are generally inquired. There are many ways to query personal credit information, including branches of the People's Bank of China, official website Credit Information Center of the People's Bank of China and bank counters. When inquiring through the branches and bank counters of China People's Bank, you must bring your valid personal identity documents and make inquiries on bank working days; When inquiring through official website, the Credit Information Center of China People's Bank, you must register before you can inquire; Everyone chooses the query method that suits them according to the actual situation. Personal credit report generally records personal basic information and credit information, as well as the number of credit card applications and the use of records. When an individual applies for a loan from a bank, the bank will check the credit, and the bank will refuse the loan after having a bad credit record. Bad records in credit reports are generally kept for 5 years and disappear automatically after 5 years. This disappearance is the time after dealing with all kinds of overdue. If the credit card has not been repaid after it is overdue, there will always be overdue records in the credit report.

How often do credit reports usually update?

The personal credit information system of China People's Bank is updated once a month.

Personal credit investigation refers to the activities of personal credit investigation institutions established according to law to collect and process personal credit information and provide personal credit information inquiry and evaluation services according to the requirements of users. Personal credit report is a personal credit history record provided by a credit reporting agency to legitimate information inquirers after processing and sorting out the information collected according to law.

Extended data:

Credit information

1. Personal basic information used to identify individuals and reflect their family and occupation;

2. Personal credit information formed by the credit relationship between individuals and financial institutions or housing provident fund management centers;

3. Personal credit purchase and payment information formed by personal credit purchase relationship with commercial institutions and public utility service institutions;

4. Public record information related to personal credit formed by administrative organs, executive organs of administrative affairs and judicial organs in the process of exercising their functions and powers;

5. Other information related to personal credit.