Legal analysis: The loan left over from the credit union 15 should be paid off as soon as possible, otherwise personal credit information will be affected. After the loan is paid off, if there is a bad personal credit record, it will be retained for five years and will be cleared automatically after five years.

Legal basis: Regulations on the Administration of Credit Information Industry

Article 16 The retention period of personal bad information of credit reporting agencies is five years from the date of termination of bad behavior or incident; More than 5 years, should be deleted. During the retention period of bad information, the information subject may explain the bad information, and the credit reporting institution shall record it.

Seventeenth information subjects can inquire about their own information from credit reporting agencies. The subject of personal information has the right to get my credit report twice a year for free.