Five years. Credit loan records will be automatically eliminated after being kept in personal credit for 5 years from the date when the user settles the account. Article 16 of 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; 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.