After the black account needs to pay off all debts, the operating system will automatically delete another five-year black account record of the bank, and the five-year period will be calculated according to the last unpaid amount. According to Article 16 of the Regulations on the Administration of Credit Information Industry, the retention period of personal bad information by credit information agencies is 5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted.

The influence of black households in credit investigation

1. It is impossible to apply for loans from banks, other loan companies or other financial institutions. Not only do you want to start a business with a loan, but the capital turnover has also become futile. Even applying for a mortgage or car loan will be rejected.

You can't apply for a credit card any more. If personal credit has a bad record, it is impossible to apply for another credit card for personal daily consumption. It is the same in all banks, because all banks can check the credit history of the lender.

3. Affect personal travel. If a person's credit record is blacklisted, such as maliciously defaulting on bank loans, he will be prosecuted by the bank. It will cause borrowers to be unable to fly, stay in star-rated hotels and so on.