In this case, after paying off the debt and maintaining good credit behavior, the credit report will be restored after five years.

According to Article 16 of the "Credit Reporting Industry Management Regulations": the credit reporting agency's retention period for personal bad information is 5 years from the date of termination of the bad behavior or event; if it exceeds 5 years, should be deleted.

During the retention period of adverse information, the information subject may explain the adverse information, and the credit reporting agency shall record it.