if the overdue credit card records are included in the bad credit record, they can be eliminated after 5 years. The retention period of personal bad information by credit reporting agencies is 5 years, counting from the date of termination of bad behavior or events; If it is over 5 years old, it will be deleted.

Legal basis

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 events; If it has been more than 5 years, it shall be deleted. During the retention period of bad information, the information subject may explain the bad information, and the credit reporting agency shall record it.

Article 17

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

article 18

when inquiring about personal information from a credit reporting agency, the written consent of the information subject shall be obtained and the use shall be agreed. However, unless the law stipulates that it can be inquired without consent.

credit reporting agencies shall not provide personal information in violation of the provisions of the preceding paragraph.