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. Therefore, if the loan has a bad credit record, as long as it is no longer overdue within 5 years, the record will be automatically eliminated. Everyone should get into the habit of checking personal credit information regularly, preferably once every three or four months or once every six months. This will not adversely affect your credit history, but also facilitate you to know the credit status in time. Application process of personal credit report: 1. Find the website of Credit Information Center of China People's Bank. 2. After opening the webpage of Credit Information Center of China People's Bank, you can see "Registration" in the upper right corner of the website. Click "Register" to register the personal account applying for personal credit information report. 3. After the account registration is completed, enter the account number and password, log in to your account, and then pass the relevant authentication as required. After the authentication is completed, you can receive a prompt sent by the website to your mobile phone, which roughly means that there will be information feedback after 24 hours. 4.24 hours later, log on to the website again to check the generation of your credit report. If it is successful, you will see the comments (processed successfully) at the back of the credit report information you want to apply for, and then select the file to generate a pdf, and download it into a pdf file according to the website prompts.

Legal basis:

Article 16 of the Regulations on the Administration of Credit Information Industry stipulates that the retention period of personal bad information by credit information 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.

Derivative problem:

Is personal credit information safe in the hands of intermediaries?

1, which was used for personal loans, led to the occurrence of loan events. This is the worst result, because if the personal credit report is taken away by the intermediary, the intermediary will go to other informal online lending platforms for loans, which is likely to happen. 2. Used for information trafficking, leading to the disclosure of personal information. Nowadays, it is more difficult to manage network information security. When a bank handles a loan, we all need to sign a letter of credit authorization before the bank can check our credit record. If we give the credit directly to the intermediary, it may be used for information trafficking, which will eventually lead to the disclosure of personal information. After all, the personal credit report contains extremely private information such as telephone number, address, real estate, credit card and loan. 3. After treatment, it is used for other illegal purposes. Now PS technology is very advanced, and it is possible if the intermediary falsifies our credit report.