According to the Regulations on the Administration of Credit Information Industry, the retention period of personal bad information by credit information agencies is five years from the date of termination of bad behavior or events, and it shall be deleted if it exceeds five years.

The five-year starting point here is from the date when the bad behavior or event ends, not from the date when the bad behavior occurs. In other words, you have a loan that is overdue, and it will take another five years to delete it only after you repay the arrears, instead of automatically eliminating it five years after you are overdue.

personal credit report includes three aspects of information, namely personal identity information, credit transaction information and personal non-bank information. Personal information includes personal basic information, residence information, occupation information, etc. Credit transaction information includes credit card, loan, loan guarantee information for others, etc. Personal non-bank information includes personal housing accumulation fund information, personal endowment insurance information, personal telecom payment information, etc.

Extended information:

When the information in the personal credit report is wrong, there are two ways to deal with it:

That is, bring the original and copy of valid identity documents and the personal credit report and submit an objection application to the local branch of the People's Bank of China; Or directly contact the bank that handles banking business. The Credit Information Center of the People's Bank of China and the bank handling the business will immediately check and correct the wrong information after receiving your objection application, and will reply within 2 days.

in case of overdue return, it should be remedied in the shortest time. For borrowers who are on business trip, on vacation, on-the-job in other places, or staying in the village, on the one hand, the repayment of loans should be properly arranged before leaving, such as putting a certain amount of money into the deduction account in advance, entrusting a special person to help repay on time, and binding credit cards and debit cards.

People's Daily Online-There are currently three ways to check personal credit reports.