It will take five years to erase the bank credit records.

According to the Regulations on the Administration of Credit Information Industry:

Article 16

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.

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

article 15

when an information provider provides personal bad information to a credit reporting agency, it shall inform the information subject himself in advance. However, bad information disclosed in accordance with laws and administrative regulations is excluded.

Extended information:

According to the Regulations on the Administration of Credit Information Industry:

Article 13

Personal information shall be collected with the consent of the information subject himself, and shall not be collected without his consent. However, information disclosed in accordance with laws and administrative regulations is excluded.

the information of directors, supervisors and senior managers of an enterprise related to their performance of their duties is not regarded as personal information.

Article 14

It is forbidden for credit reporting agencies to collect personal information about religious beliefs, genes, fingerprints, blood types, diseases and medical history, and other personal information prohibited by laws and administrative regulations.

credit reporting agencies are not allowed to collect information about personal income, deposits, securities, commercial insurance, real estate and tax amount. However, unless the credit reporting agency explicitly informs the information subject of the possible adverse consequences of providing the information and obtains its written consent.

article 25

if the information subject thinks that there are errors or omissions in the information collected, saved and provided by the credit reporting agency, he has the right to raise objections to the credit reporting agency or the information provider and ask for correction.

when a credit reporting agency or information provider receives an objection, it shall mark the relevant information with an objection according to the regulations of the supervision and administration department of credit reporting industry in the State Council, check and handle it within 2 days from the date of receiving the objection, and give a written reply to the objection.

after verification, it is confirmed that there are errors or omissions in relevant information, and the information provider and credit reporting agency shall correct them; If it is confirmed that there are no errors or omissions, the objection mark shall be cancelled; If it cannot be confirmed after verification, the verification and objection shall be recorded.

article 26

if an information subject thinks that a credit reporting agency, information provider or information user has infringed upon his lawful rights and interests, he may complain to the local agency of the credit reporting supervision and management department of the State Council.

the institution that accepts the complaint shall check and handle it in time, and give a written reply to the complainant within 3 days from the date of acceptance.

if the information subject thinks that the credit reporting agency, information provider or information user has infringed upon their legitimate rights and interests, they can directly bring a lawsuit to the people's court.

Baidu Encyclopedia-Regulations on the Administration of Credit Information Industry