It is not easy to modify the credit report, there are strict steps, and it must be on the premise that the personal credit record is inconsistent with the facts and can provide evidence. Neither the commercial bank submitting the data nor the central bank's credit information center responsible for management and collection have the right to change or delete it. Unless the bank has a bad record. It is suggested that the subject should not believe that paying money can clear the credit information, so as not to be deceived.

Personal bad information can be kept for a maximum of 5 years, and those that exceed 5 years will be deleted. It should be noted that this "five years" means that personal bad credit records are not counted for five years until the event is terminated. Generally speaking, when a bank lends money, it also mainly depends on the credit situation in the last two years.