Personal credit records are "credit files" established by the People's Bank of China. Personal credit updates are managed by the People's Bank of China and are generally updated every five years.

You can apply to the bank applying for a loan to print a personal credit report or bring your ID card to the People's Bank to print a credit report. When you find that your credit report is overdue and blacklisted by the bank, you should change your bad credit record in the following ways:

1. If the operating loan has a record of overdue repayment, it will be 5 years, and then there is no overdue record in your credit report after 5 years, indicating that the credit record is good;

2. If it is a real estate mortgage loan with many serious overdue records, you need to maintain a good credit record within 5 years after returning the bank loan, and your mortgage overdue record will disappear;

3. The credit card has an overdue record. I suggest you cancel your credit card after three months of normal repayment, and it will show that your credit history is good after five years. If there are overdue records, it is difficult to eliminate bad credit records by directly canceling the card.

China pays more and more attention to the credit information of enterprises and individuals, and the credit information of online loans and small loan companies will be incorporated into the credit information system of the People's Bank of China. Poor personal credit information will affect normal loans and children's education. If the loan is not repaid, you can't fly or take the high-speed train. So you must attach great importance to your credit information.