The longest period of time for a black account is 5 years.

This information will not be eliminated, but will be overwritten by new information. The People's Bank of China will not keep a balance for non-malicious, small-amount, short-term overdue bad records that can be covered for 2 years. Credit cards with such bad records can be covered for 2 years after normal and good continuous use for 24 months. Non-serious bad records, because the People's Bank of China's normal records record credit records within two years; those that can be covered for 5 years refer to malicious overdrafts, large amounts, bad and serious nature, which will be left with the People's Bank of China. It takes 5 years to eliminate a bad credit record after all outstanding debts are paid off.

The person subject to execution refers to the party who fails to perform the court judgment or arbitration award and enters the execution procedure after the statutory appeal period expires or after the final judgment is made. After the court has ruled in favor of the plaintiff in a civil lawsuit, but the defendant fails to complete the compensation amount stipulated in the judgment within the legal time on the compensation issue and is forced to pay compensation by the court, the defendant is said to be the person subject to this enforcement.

Legal Basis

"Several Provisions of the Supreme People's Court on the Publication of Information on the List of Dishonest Persons Subject to Enforcement"

Article 10: In any of the following circumstances, the People's Court The court shall delete the untrustworthy information within three working days:

(1) The person subject to execution has fulfilled the obligations specified in the effective legal document or the people's court has completed the execution;

(2) ) The parties have reached an execution settlement agreement and it has been performed;

(3) The person applying for execution applies in writing to delete the untrustworthy information, and the people's court reviews and agrees;

(4) Terminate this transaction After the execution of the procedure, the property of the person subject to execution is checked more than twice through the online execution investigation and control system, and no property available for execution is found, and the person applying for execution or other persons does not provide valid property clues;

(5) ) Due to trial supervision or bankruptcy proceedings, the people's court rules in accordance with the law to suspend the execution of the defaulter;

(6) The people's court rules in accordance with the law not to execute;

(7) The people's court decides to terminate the execution in accordance with the law. If there is a time limit for inclusion, the provisions of the preceding paragraph shall not apply. Within three working days after the expiration of the inclusion period, the people's court shall delete the untrustworthy information. After deleting the untrustworthy information in accordance with the first paragraph of this Article, if the person subject to execution has one of the circumstances specified in Article 1 of this Article, the people's court may re-include him or her into the list of dishonest persons subject to execution. Within six months after deletion of dishonest information in accordance with the third paragraph of paragraph 1 of this article, if the person applying for execution applies to include the person subject to execution in the list of dishonest persons subject to execution, the People's Court will not support it.