5 years.

If it is overdue due to personal reasons, you need to pay off all the overdue debt. Counting from the date of repayment, the bad credit record will be automatically deleted by the credit reporting system after 5 years. During this 5-year period, if good credit behavior is maintained and no new bad records are generated, then the personal credit record will return to normal after 5 years.

If the delay is not due to personal reasons, you can appeal by submitting an objection application. According to the "Credit Information Industry Management Regulations", information subjects may raise objections to credit reporting agencies or information providers and request corrections. The institution that receives the objection must verify and handle it within 20 days. If the information is confirmed to contain errors or omissions, it must be corrected. In this case, if the overdue record turns out to be an error, it will be corrected within 20 days.