Time to eliminate credit blacklist: It usually takes one to three years to eliminate. The law stipulates that if the person subject to execution refuses to perform the execution of the settlement agreement without justifiable reasons, the period of being included in the list of dishonest persons subject to execution shall be two years. If the person subject to execution obstructs or resists execution by means of violence or threats, or has multiple breaches of trust, the extension may be extended from one to three years. If a dishonest person subject to execution actively performs the obligations specified in effective legal documents or takes the initiative to correct the dishonest behavior, the people's court may decide to delete the dishonest information in advance. The credit blacklist takes 5 years to be lifted. After the credit report is overdue, it will remain in existence until five years from the date the cardholder pays off the debt. Generally, the credit record will be updated after 5 years, and if there are no bad records within 5 years after paying off the credit report, the credit report will return to normal. Once a credit card's overdue bad record is formed, other means cannot be used to delete the overdue bad record. The correct way to eliminate bad credit records. If you want to eliminate bad credit card records that enter the credit system, one way is to overwrite the original records by refreshing the credit records, thereby eliminating the negative records and their impact. Therefore, when you have a bad credit card record, you must not cancel the card. You should insist on using it and repay it on time. In this way, the original negative credit record will be overwritten and a good credit record will be re-formed, so that there will be no impact on credit behavior. adverse effects.

Legal basis: "Several Provisions on the Publication of List Information of Untrustworthy Persons Subject to Execution" Article 2 If the person subject to execution has the circumstances specified in Items 2 to 6 of Article 1 of these regulations, he will be included in the list of persons subject to execution for breach of trust. The term of the list is two years. If the person subject to execution obstructs or resists execution through violence or threats, or has committed multiple acts of dishonesty, the extension may be extended from one to three years. If a dishonest person subject to execution actively performs the obligations specified in effective legal documents or takes the initiative to correct the dishonest behavior, the people's court may decide to delete the dishonest information in advance.