The Regulations on the Administration of Credit Information Industry has corresponding provisions on this:

Article 16 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. Information subjects can inquire their own information from credit reporting agencies.

Extended data:

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Regulations on the Administration of Credit Information Industry and other relevant laws and regulations:

Twenty-fifth qualified information providers may, with valid certificates and applications, inquire about the government-shared credit information of information subjects related to their performance of public management duties from the municipal credit institutions.

In addition to the bank credit records, other credit information inquiry reports of the information subject can be issued by the municipal credit bureau according to the inquirer's own application or authorization application, and in accordance with relevant regulations, operating norms and procedures.

Article 26? The municipal credit bureau shall conduct information comparison within 3 working days from the date of receiving the objection application. If the information subject's application for correction is consistent with the information source, it shall notify the objection applicant in writing of the correction result within 2 working days.

Baidu Encyclopedia-Regulations on the Administration of Credit Information Industry