Once the bad credit record is generated, as long as it is not the wrong record caused by the bank, there is no way to modify it, and the bad credit record can only be automatically revoked after 5 years.

If there is a bad credit card record, the normal use of the original credit card for two years has little effect. Banks generally focus on the credit records of the past two years. If you insist on using it for five years, it will be gone after the deadline. Credit history only shows the credit history of the past five years. Don't sell cards in a hurry, stick to it.

Methods to eliminate personal bad credit investigation;

1, if you have bad bank records due to credit card repayment and other issues, you can immediately call the bank customer service phone for consultation. If the circumstances are minor, as long as it is not malicious, it can generally help to eliminate the record.

2. The records in the basic database of personal credit information in the credit information system cannot be eliminated. The newly implemented Regulations on the Administration of Credit Information Industry stipulates that personal bad information can be kept for a maximum of five years, and those that exceed five years will be deleted.

3. Banks generally use the credit records of customers in the past two years to audit customers. Therefore, when bad records appear, they should be repaid on time for two years, and new good credit records will gradually replace the old bad records, otherwise the old records will always exist.

4. Credit cards that have not been used for a long time should be cancelled on time to avoid bad records due to unknown annual fees.