How long can the credit report eliminate the loan record?
There are two kinds of loan records, one is normal loan records, and the other is overdue loan records. Under normal circumstances, the normal loan records in the credit investigation will not be 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. If it is an overdue record on the credit information, it will be eliminated after 5 years from the date when the borrower pays off the debt, and the inquiry record will be eliminated after 2 years from the date of inquiry.
How to inquire about credit loan records?
1 on-site inquiry
Support my own inquiries and those of others. When others inquire, they need to bring the valid identity documents of the inquirer and the credit information personnel and the power of attorney of the credit information personnel to the branches of the People's Bank of China or the credit information inquiry outlets of some banks for inquiry.
2 self-service terminal query
This channel can only be queried by myself, but others can't, because in addition to providing my ID card and putting it in the identification area of the self-service inquiry machine, there is also on-site head photo check, and the credit report will be printed out after the information comparison is successful.
3 online inquiry
That is, you can inquire in official website, the central bank's credit information center, and you can also support your own inquiry and others' inquiry. If others inquire about the account number and login password of the credit inspector, they should also use the credit inspector's mobile phone to obtain the credit inspection code.