1. Normal loan records are generally not eliminated, but kept all the time, which can reflect a person's good credit behavior in the past and is conducive to the accumulation of personal credit information.
2. The record of overdue loans will be eliminated after 5 years. This is the relevant provisions of the Regulations on the Administration of Credit Information Industry. Bad credit information will only be displayed for 5 years from the date of termination of bad behavior or events. The report of the Credit Information Center of China People's Bank also clearly pointed out that the credit information report does not show the default that ended five years ago, that is, overdue repayment.
second, the elimination time of other records in the credit information
1. The credit information inquiry records only show the inquiry situation within two years, that is, the inquiry records two years ago will be eliminated.
2. Public information records mainly include tax arrears records, enforcement records, civil judgment records, administrative punishment records and telecom arrears records. These bad behavior records are only displayed for five years, and those five years ago can be eliminated.
3. Warm reminder: If the loan record shown in the personal credit report is incorrect, you can file an objection application with the branch of the People's Bank of China. You need to bring the original and photocopy of your ID card and go to the site to fill out the Application Form for Objection to Personal Credit Report and apply for correction. The above is the related content about "How long will the credit record be eliminated?" I hope it can help you.