How long will the credit blacklist be eliminated? It usually takes one to three years to eliminate. According to the law, if the person subjected to execution refuses to perform the execution settlement agreement without justifiable reasons, the time limit for inclusion in the list of people subjected to dishonesty is two years. If the person subjected to execution obstructs or resists execution by violence or threat, or has many acts of dishonesty, it may be extended for one to three years. The people's court may decide to delete the information of dishonesty in advance if the person subjected to the execution of dishonesty actively performs the obligations specified in the effective legal documents or actively corrects the act of dishonesty. It takes five years for the blacklist of credit information to be lifted, and it will always exist after the credit information is overdue, and it will not be displayed in the credit information until five years after the cardholder pays off the arrears. Generally, the credit record will be updated after 5 years, and the credit will return to normal if there is no bad record within 5 years after the credit is paid off. Once the overdue bad records of credit cards are formed, it is impossible to delete the overdue bad records by other means. Correct Ways to Eliminate Bad Credit Records If you want to eliminate bad credit card records entering the credit information system, one way is to refresh the credit records and overwrite the original records, so as to eliminate the negative records and their effects. Therefore, when there is a bad credit card record, never cancel the card, but stick to it and repay it on time, so that the original negative credit record will be overwritten and a good credit record will be formed again, so that it will not have a bad influence on credit behavior.

legal basis: several provisions on publishing the information of the list of people who have been executed in bad faith article 2 if the person who has been executed has the circumstances specified in items 2 to 6 of article 1 of these provisions, the time limit for being included in the list of people who have been executed in bad faith is two years. If the person subjected to execution obstructs or resists execution by means of violence or threats, or if the circumstances are serious or there are many acts of dishonesty, it may be extended for one to three years. The people's court may decide to delete the information of dishonesty in advance if the person subjected to the execution of dishonesty actively performs the obligations specified in the effective legal documents or actively corrects the act of dishonesty. How long does it take to eliminate bad records

How long does it take to eliminate bad records

Therefore, we need to pay special attention to: the five-year storage period of bad records is calculated from the end date of bad records, that is, if the user has bad behavior, after paying off the arrears, the bad records will be kept in the personal credit report for five years, and then the bad records will be eliminated. If everyone has bad behavior, but it has not been dealt with, then this bad record will always exist in our personal credit report, and it will not be eliminated after 5 years or 1 years.

in other words: in the case of paying off the arrears, the overdue credit will be automatically cleared after 5 years from the date of paying off. If the debt is not paid off, the overdue behavior will still be recorded by credit information. Personal credit record is an activity that China People's Bank collects, inquires and evaluates personal credit information according to law. Personal credit records reflect personal credibility, which is also the audit condition that many loans need now. Normal loan records on credit information will not affect individuals, but overdue records will only reduce personal credit. If we don't pay attention to them, it will also have a series of effects.

There are three kinds of overdue credit records:

1. If an individual has a bad credit record due to credit card repayment or annual fee, as long as he is sincere and takes the initiative to contact the bank, explain the reasons and take appropriate remedial measures, the bank will usually help the customer eliminate the bad credit record, but this time generally cannot exceed 9 days.

2. If you want to eliminate bad credit card records, there is another way to eliminate negative records according to the system of refreshing and covering credit records.

3. If the reputation stain has entered the database of the central bank's credit information system for more than 9 days. For this kind of record, unless the data generating bank agrees to upload the letter data, according to the Regulation on Credit Management, the credit reporting agency of the central bank will keep the collected personal bad information for five years.

to know how long overdue credit records can be eliminated, you must first know how often personal credit records will be updated. -This is crucial! Knowing this, you should be able to judge how long your overdue records should be kept!

1. according to the regulations of commercial banks, the banking system submits information to the personal credit information database once a month, and in special circumstances, it does not exceed once every two months.

2. The information found in the general personal credit report is 1-2 months ago. However, if you have an overdue record, how long you can see this record on the credit information depends on the filing cycle of each bank, usually after one month.

Special reminder: You don't have to worry about whether overdue is something especially bad, nor is it completely irreparable. After all, the reason for overdue is easy to find and explain, but the explanation must be reasonable and not insult people's IQ. How long will the credit record be eliminated?

Five years after the credit report.

The 5-year retention period starts after repayment. Don't mistakenly think that bad records will disappear automatically after 5 years, so you don't have to return the money you owe. Don't think that the bad records will be eliminated after the card is cancelled after repayment, and the card cancellation will still have to wait for 5 years. Residents can inquire about an individual's credit status through the branches of the central bank at all levels and the personal credit information service network platform of the credit information center, and they can inquire about their credit reports twice a year for free.

before 213, China's bad credit records were kept permanently, and there was no so-called five-year elimination. The revised Regulations on the Administration of Credit Information Industry in 213 made it clear for the first time that the retention period of personal bad information by credit information agencies was five years. According to Article 16 of the Regulations on the Administration of Credit Information Industry promulgated by the state, the retention period of personal bad information by credit information institutions is five years from the date of termination of bad behavior or events, and those that exceed five years shall be deleted. That is to say, the premise of the five-year period is that your non-performing loan has been settled.

Credit investigation is the establishment of credit files for individuals or enterprises by professional and independent third-party institutions, which provides a platform for professional credit institutions to enjoy credit information. Credit investigation records personal credit behaviors in the past, which will affect personal economic activities in the future. These behaviors are reflected in personal credit reports, which are often referred to as "credit records".

A lot of information that banks need to know is in your credit report, so you don't have to spend so much time investigating and verifying the authenticity of the information you filled in on the loan application form. Therefore, the first advantage of credit reporting is to save you time and help you get a loan more quickly.