The Credit Information Center of the People's Bank of China keeps all the collected repayment information for the record. The Regulations on Credit Information Management (Draft for Comment) published by the Legislative Affairs Office of the State Council in July 201year stipulates that:
The retention period of personal bad information collected by credit reporting agencies is 5 years, counting from the date of termination of bad behavior or incident; If it has been more than 5 years, the credit reporting agency shall be deleted. ?
Some update mechanisms show that if a customer repays on time every month from now on, the bank will re-evaluate his credit status after a period of time, and the key is to actively maintain his credit record.
Extended data:
According to the Regulations on the Administration of Credit Information Industry:
Article 13
Personal information shall be collected with the consent of the subject of information, and shall not be collected without its consent. However, information disclosed in accordance with laws and administrative regulations is excluded.
Information related to the performance of duties by directors, supervisors and senior managers of an enterprise shall not be regarded as personal information.
Article 14
It is forbidden for credit reporting agencies to collect personal religious beliefs, genes, fingerprints, blood types, diseases and medical history information and other personal information prohibited by laws and administrative regulations.
Credit institutions shall not collect information such as personal income, deposits, securities, commercial insurance, real estate and tax payment. However, unless the credit reporting agency explicitly informs the information subject of the possible adverse consequences of providing information and obtains its written consent.
Article 15
Information providers who provide personal bad information to credit reporting agencies shall inform the information subject himself in advance. However, bad information disclosed in accordance with laws and administrative regulations is excluded.
Article 36
Without the approval of the supervision and administration department of the State Council credit information industry, those who set up credit information agencies or engage in personal credit information business activities without authorization shall be banned by the supervision and administration department of the State Council credit information industry, their illegal income shall be confiscated and they shall be fined not less than 50,000 yuan but not more than 500,000 yuan; If a crime is constituted, criminal responsibility shall be investigated according to law.
Article 37
Credit institutions operating personal credit information business violate the provisions of Article 9 of these regulations, and the supervision and administration department of the State Council credit information industry shall order them to make corrections within a time limit, and impose a fine of 20,000 yuan or more and 200,000 yuan or less on the unit; Give a warning to the directly responsible person in charge and other directly responsible personnel, and impose a fine of 6,543,800 yuan or less.
If the credit reporting agency that operates the enterprise credit reporting business fails to handle the filing in accordance with the provisions of Article 10 of these regulations, the agency dispatched by the local credit reporting supervision and management department of the State Council shall order it to make corrections within a time limit; Those who fail to make corrections within the time limit shall be punished in accordance with the provisions of the preceding paragraph.
Article 38
Credit institutions and financial credit information basic database operators who violate the provisions of this Ordinance and commit any of the following acts shall be ordered to make corrections within a time limit by the credit supervision and management department of the State Council or its dispatched office, and the unit shall be fined between 50,000 yuan and 500,000 yuan.
Impose a fine of 654.38 million yuan to 654.38 million yuan on the directly responsible person in charge and other directly responsible personnel; If there are illegal gains, the illegal gains shall be confiscated. If losses are caused to the information subject, it shall bear civil liability according to law; If the case constitutes a crime, criminal responsibility shall be investigated according to law:
(1) Stealing or otherwise illegally obtaining information;
(2) Collecting prohibited personal information or collecting personal information without consent;
(3) illegally providing or selling information;
(4) leaking information due to negligence;
(5) Failing to delete personal bad information within the time limit;
(six) failing to check and deal with the objection information in accordance with the provisions;
(seven) refusing or obstructing the inspection and investigation by the supervision and administration department of the State Council credit information industry or its dispatched offices or failing to provide relevant documents and materials truthfully;
(eight) other acts that violate the rules of credit reporting business and infringe upon the legitimate rights and interests of information subjects.
If a credit reporting agency engaged in personal credit reporting has one of the acts listed in the preceding paragraph, and the circumstances are serious or cause serious consequences, the supervision and administration department of the State Council credit reporting industry shall revoke its personal credit reporting business license.
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