The personal credit report is issued by the Credit Information Center of the People's Bank of China. Citizens can bring the original and photocopy of their valid identity documents to the local branches of the People's Bank of China for enquiry. It should be noted that individuals can get their own credit reports twice a year for free.

Personal credit report is a necessary link in the credit approval of financial institutions. If there is bad information, banks may ask customers to provide mortgage or guarantee when handling loans or credit cards, or reduce the loan amount, raise the loan interest rate, or even refuse to issue loans or handle credit cards. In addition, the scope of application of personal credit report is constantly expanding, and it also plays a role in points enrollment, employment, study, going abroad, recruitment and promotion of civil servants, and evaluation of the first and the best.

According to the "Regulations on the Administration of Credit Information Industry", the retention period of personal bad information by credit information agencies is 5 years from the date of termination of bad behavior or incident; If it is more than 5 years and there is no bad credit record, it can be deleted. I hope my answer can help you ~