Hello, landlord! Regarding whether your personal overdue records can be deleted, in the Regulations on the Administration of Credit Information Industry, the retention period of personal bad information by credit information agencies is 5 years from the date of termination of bad behavior or events; More than 5 years, should be deleted.

Another situation is that banks can be eliminated, but communication is more difficult. I have seen credit cards (obviously harmless, for example, the company's collective salary card is a credit card, and the parties did not know it at the time). The annual fee was overdue, and the bad information was revoked by the bank through consultation.

If the landlord really wants to eliminate bad records, he can try, but he is not optimistic. Sometimes banks will issue non-malicious debt certificates.

I hope my answer can help the landlord!