After objectively matching and integrating the data submitted by lending institutions, the credit information system will update it into a personal credit report without making any evaluation. If there are bad records, the records shall be kept for 5 years from the date of paying off the debts, and deleted after 5 years. At the same time, financial institutions generally have a grace period of 1 to 3 days for credit card repayment, and cardholders can repay within the grace period after monthly repayment, and credit records may not be submitted to the credit information system.
Extended data
The new version of the credit report of the central bank's personal credit information system has been put into operation, and the "validity period" of overdue records is officially set at five years. The new credit report sets the starting point of overdue information as June 5438+ 10, 2009, and the previous bad repayment record has been deleted.
Because the relevant departments have not clearly defined the restrictions on negative records, in the old personal credit report, overdue records will be displayed no matter how many years ago. The new credit report only shows the overdue records of consumers in the last five years.
The launch of the new version of the central bank's credit report is equivalent to giving individual consumers who have not paid off their debts within the time limit an opportunity to turn over a new leaf, re-establish and accumulate personal credit records. It is reported that if there is negative information on the personal credit report, residents are likely to be affected when applying for credit cards and mortgages.
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Baidu Encyclopedia-Credit Report