The retention period of personal credit files is as follows:
1, loan files of national key construction projects and construction projects with historical value.
2, general large and medium-sized construction projects, technical transformation projects above designated size loan files, 20 years;
3, small construction projects, technical transformation projects below the quota and working capital loan projects for 5 years.
4. The retention period of foreign exchange loan files shall be capped.
Personal credit file is the authoritative proof of the applicant's credit identity. Over time, its credit score
Benefits of establishing personal credit files:
1. Establish personal credit files, enhance credit awareness, and strengthen dishonesty and breach of contract.
2. Establish personal credit files and have "China Personal Credit". With a personal letter of credit, it is easy to close the distance with new friends and gain the trust of business partners immediately, which can be related to private lending and social support.
Legal basis:
credit reporting industry regulations
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 of bad information, the information subject may record the structure.
Second, how long should the bad personal loan records be kept?
When you want to buy a house, a car, go to school, take a vacation or invest in a business, there is likely to be a gap in available funds. In addition to raising money from relatives and friends, you can also get loan services from commercial banks.
In the central bank's credit information system, personal bad credit records will be kept for 7 years. Under normal circumstances, overdue repayment within 60 days will not be investigated by the bank as a malicious overdraft. However, this overdue record is included in the central bank's credit information system, and the personal credit information record can affect the related business of individuals or enterprises in the bank, such as mortgage, car loan, company loan, credit card application and so on. However, there is no legal document that clearly stipulates the retention time of overdue records caused by using credit cards.
Three, personal credit file retention period
Legal analysis: according to the different preservation and utilization values of various loan projects, the preservation period of RMB loan files can be divided into three types. Where the national key construction projects, as well as construction projects with historical value of the loan files for permanent custody. The retention period of loan files for general large and medium-sized construction projects and technical transformation projects above designated size is 10 ~ 20 years; The file retention period of small-scale construction projects, technical transformation projects below the quota and working capital loan projects is 1 ~ 5 years. The retention period of foreign exchange loan files shall be subject to the upper limit of the retention period of the corresponding RMB loan files.
Legal basis: Measures for the Administration of Loan Files of the People's Construction Bank of China (for Trial Implementation)
Article 7 According to the different preservation and utilization values of various loan projects, the preservation period of RMB loan files can be divided into three types. Where the national key construction projects, as well as construction projects with historical value of the loan files for permanent custody; The retention period of loan files for general large and medium-sized construction projects and technical transformation projects above designated size is 10 ~ 20 years; Small-scale construction projects and technical transformation below the quota
Files of projects and working capital loan projects shall be kept for 1 ~ 5 years.
The retention period of foreign exchange loan files shall be subject to the upper limit of the retention period of the corresponding RMB loan files.
Article 8 The storage period of loan files shall be counted from the second year after the loan principal and interest are fully paid off.
4. What is a personal integrity file?
Personal credit file is an activity that a professional and independent third-party organization establishes credit files for enterprises or individuals, collects and objectively records credit information according to law, and provides credit reports to the outside world according to law.
This national unified enterprise and individual credit information basic database, organized by the People's Bank of China, mainly records the credit information of these enterprises and individuals in the financial field, as well as the law-abiding information in environmental protection.
At present, banking financial institutions have regarded inquiring the credit files of enterprises and individuals as an important link in reviewing and handling credit business.
Human resources and social security, environmental protection, quality inspection and other departments also use the credit information system to help their industry credit construction and law enforcement management.