It takes three to five years to eliminate bad records. The details are as follows:

Bad records exist in the credit report due to incorrect entries, such as "guaranteed", "guaranteed" or "guaranteed" on the card account. being loaned", or the information is false. Generally, these cardholders need to bring their own identity certificates to the local central bank to file an objection application, which can usually be resolved in about 15 working days. If it is a "loan" situation, it may be relatively complicated, and you need to find a bank to verify and resolve it. If it cannot be properly resolved, you may resort to legal means, file an appeal, etc.;

Non-malicious debts lead to bad records, and problems will be discovered first. Immediately contact your bank to actively resolve the issue, pay off all debts, and explain the reasons for the debts. If the circumstances are minor, the bank can issue a non-malicious overdue certificate. In this way, your loan application path will be relatively smooth;

It will be automatically eliminated after 5 years, and the central bank will keep bad personal credit records for 5 years. In the next period of time after you pay off all the debts, maintain a good repayment record. After 5 years, your bad credit record will be automatically eliminated; but if you keep ignoring the debts, then this bad record will Always following you.