Article 16 of the "Regulations on the Administration of the Credit Reporting Industry": The credit reporting agency shall retain personal bad information for 5 years from the date of termination of the bad behavior or event; if it exceeds 5 years, it shall be delete.

During the retention period of adverse information, the information subject may explain the adverse information, and the credit reporting agency shall record it.

Reference: Personal Credit Reference Center of the People's Bank of China/zxzx/zhengcfg/201401/6e55556e29774c9cb28c019833ea9bbf.shtml

Note: A personal credit report is a record of your past credit information issued by a credit reference agency The document is a personal "economic ID card", which can help your trading partners understand your credit status and facilitate you to conclude economic and financial transactions.