Credit Information Center of the People's Bank of China.

1. If the information itself is correct, individuals cannot propose modifications to their credit records. Currently, the personal database is updated once a month, and the corporate database is updated once a day. Records of past debts will be kept in the database even if they are repaid. As for how long they will be kept, the central bank is studying it (it has been widely circulated that they will be automatically deleted after seven years);

2. For debts caused by defaults If it is found that the commercial bank reported the data incorrectly, the commercial bank should be responsible for modifying it. The credit reporting center itself does not have the right to modify the data;

3. If the problem is caused by reasons other than the person’s fault , once the court decides, it can be deleted through a commercial bank. If it is indeed overdue due to personal reasons, even if it is repaid later, the record will still remain in his credit report.

4. If you find an error in your personal standard credit report, you can immediately contact the person who provided the wrong information. Negotiate with the bank and submit modifications to the personal credit reporting system according to procedures (no more than 6 months). While the erroneous information remains unchanged, the bank that provided the erroneous information can issue a document proving the correct information to handle the relevant business. If actual personal losses have been caused, you can file a claim for compensation from the wrong party.