Personal bad record means that there are bad records in credit information, and the reason for bad records is that there have been overdue repayments or no repayments before. Specifically, it includes credit card continuous repayment, accumulated overdue or non-repayment of monthly mortgage repayment, credit card overdraft consumption, and failure to repay mortgage on time.

What's the difference between a bad record and a criminal record?

1, different in nature, illegal records belong to administrative punishment, which only affects the punished person himself, such as enlisting in the army and applying for military and police colleges. The criminal record will not only affect me, but also affect my children's future enlistment.

2, the severity is different, the criminal record is more serious than the illegal record. Because there is a difference between illegality and crime, all criminal acts are illegal, but illegal acts are not necessarily crimes.

3. Different coverage. Strictly speaking, illegal records include criminal records.

Legal basis: Article 16 of the Regulations on the Administration of Credit Information Industry.

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.

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

Article 17

Information subjects can inquire their own information from credit reporting agencies. The subject of personal information has the right to get my credit report twice a year for free.