According to the Regulations on the Administration of Credit Information Industry, personal bad information records will not be "lifelong" stains, but only have a "shelf life" of five years, so don't worry about the impact of stains on your life.

The "Regulations" stipulate that the retention period of personal bad information by credit reporting agencies is 5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted. However, this is on the premise of paying off the loan. Don't think that you can be eliminated without paying back the money.

According to the regulations, as long as good credit behavior is maintained within five years, these bad information will disappear after five years. For example, a loan should be repaid on May 1 day, but it was not repaid until June 10, so the record will be deleted five years from June 10.

Extended data:

After blacklisting, personal influence

1, some high-consumption behaviors are prohibited, including sleeping on airplanes and trains;

2. Implement other credit punishments, including restricting loans from financial institutions or handling credit cards;

3. If the person subjected to execution is a natural person due to dishonesty, he shall not be the legal representative, director, supervisor or senior manager of the enterprise.

References:

Baidu Encyclopedia-Regulations on the Administration of Credit Information Industry