It will take five years to "disappear".

First, personal credit records are kept for five years;

Then, a bad record of a credit card or loan needs to be squeezed out for five years with the record of normal repayment that happened later.

Finally, under special circumstances, you can apply for cancellation directly to the Personal Credit Information Center of the People's Bank of China. In these cases, your identity is usually fraudulently used, and credit cards and loans are not handled or consumed by yourself. The materials and procedures submitted in this case seem a bit complicated. I suggest you go to the credit information center for consultation yourself.

? Extended data:

Enterprise credit investigation is mainly an organization that collects enterprise credit information and produces enterprise credit products. Personal credit investigation is mainly an organization that collects personal credit information and produces personal credit products.

In some countries, a mechanism for implementing these two types of business is also determined by two or more institutions in some countries, or by individual credit reporting institutions, individuals and enterprises and institutions engaged in two types of credit business in a country, which is usually unrestricted and decided by credit reporting institutions according to actual conditions.

In the United States, credit reporting agencies have three main business models:

(1) Capital market credit rating agencies, whose evaluation targets are stocks, bonds and large-scale infrastructure projects;

(2) Commercial market evaluation agencies, also known as enterprise credit service companies, are oriented to all kinds of large, medium and small enterprises;

(3) an individual consumer market evaluation agency with individual consumers as the credit object.