1, the credit report will generally show the records of the past five years. In China, the retention period of personal credit records is set at five years. The credit report will reflect the personal work unit, the loans and credit cards owned by individuals in the past five years, and the annual and monthly repayment. If there are overdue records, the overdue records will exist in the credit report for five years. At this time, if you want to eliminate overdue records, you can only settle the arrears first, and then wait for five years to arrive, and the previous overdue records will be overwritten by the latest five-year records.

2. Legal basis: Article 16 of the Regulations on the Administration of Credit Information Industry.

The retention period of personal bad information by credit reporting 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.

Article 18

When inquiring about personal information from a credit reporting agency, it shall obtain the written consent of the information subject and agree to use it. However, unless the law stipulates that it can be inquired without consent.

Credit institutions shall not provide personal information in violation of the provisions of the preceding paragraph.

Second, what is the impact of overdue credit records?

The impact of overdue credit records is as follows:

1, personal credit is damaged;

2, affect the card, loan, if there is a bad credit record, it will be very difficult to apply for a loan in the bank in the future, even the credit card can not be done;

3, affecting travel and normal life, bad credit records not only have an impact on themselves, but also have a certain impact on families.