What is personal credit information hacked?
Everyone has a credit information system. If a person has no credit business at all, he is called a white household and still has no credit record.
On the other hand, if a person participates in the credit business and fails to keep the repayment according to the agreement, that is, overdue repayment, personal credit information will be tainted.
However, there is another situation, that is, after the deadline, those who refuse to repay their debts or are really unable to repay them are brought to court by financial institutions, and eventually they are deemed to be untrustworthy by the people's courts, which will become a real blacklist. To put it bluntly, the personal credit information system has been hacked.
How long has the personal credit information system been hacked?
According to Article 16 of the latest 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. During the retention period of bad information, the information subject may explain the bad information, and the credit reporting institution shall record it.
2065438+July 2009, the new version of the credit information system was officially implemented. The old credit information system kept records for two years, and the new credit information system kept records for three years, that is, the annual interest rate was maintained for five years. Although the arrears were paid off overdue, the credit was resumed five years later.
So from here, we can know that although the personal credit information system has been hacked, the records can only be kept for five years. During these five years, the credit information business will be banned and will not be tracked for a lifetime, not to mention being unable to turn over in this life.
However, it must be remembered that this recording period is calculated from the day after the arrears are paid. If the arrears are not paid all the time, it will really follow for a lifetime. I have spent my whole life in the dark, so I can't delay the payment. We must find a way to pay off our debts.
What are the consequences of personal credit information being hacked?
In fact, the hacking of personal credit information is not as terrible as everyone thinks, and the sky is not falling. The hacking of personal credit information only proves that you can't handle credit information-related business in the next five years, and that's all (provided that you have paid off your debts, of course).
For example, if you want to borrow money to buy a house or a car, it will not be approved to apply for a loan to buy a house or a car at this time when your personal credit information is hacked. You can only buy it once. It is not feasible to borrow money to buy it.
For example, in addition to these points, there will be some travel restrictions, such as going to distant places to take high-speed trains, planes, and staying in star-rated hotels.
In short, the hacking of credit information is not so terrible, and there are some credit business restrictions during the hacking period. The most terrible thing is that the credit information has been hacked, and this debt has been delayed. In this case, it may really be impossible to turn over. Belonging to the permanent blacklist, long-term restrictions will really make people spend the rest of their lives in the stain.
Based on the above analysis, these bad records can only be kept for 5 years, whether personal credit information is defiled or hacked. However, this five-year period is calculated from the date of paying off the arrears. After five years, it became a white household and the credit information was restored. So you can't think it's a lifetime just because you've been touched or hacked for a certain period of time. This is a wrong view.