Information update of the basic database of personal credit information: the credit information center will update the credit business during the normal account opening every month. However, after the credit business is closed or settled, its information will not be updated.

The personal credit report objectively shows the repayment record of the loan, and there is no "bad record". If the consumer fails to repay the loan on time, the credit report will truthfully show the overdue record.

If within a period of time, due to the approval of loans and credit cards, the credit report has been inquired by different banks for many times, but the records in the credit report show that no new loans or credit cards have been obtained during this period, it may indicate that many banks have applied for loans or credit cards but failed, and this information may adversely affect users' obtaining new loans or applying for credit cards.

Extended data

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, and it will be deleted after more than 5 years.

The starting point of five years here is the day when the bad behavior or event ends, not the day when the bad behavior occurs. In other words, there is a loans overdue, which can only be deleted after five years until the arrears are returned, instead of being automatically eliminated after five years from the overdue date.

When the information in the personal credit report is wrong, there are two ways to deal with it: one is to bring the original and photocopy of valid identity documents and the personal credit report and file an objection application with the local branch of the People's Bank of China; Or directly contact the bank that handles banking business.

The Credit Information Center of China People's Bank and the bank handling the business will immediately check and correct the wrong information after receiving the objection application, and give a reply within 20 days.

Credit Information Center of China People's Bank-Frequently Asked Questions

People's Daily Online-At present, there are three ways to check personal credit reports.