Legal analysis: If it is a credit problem caused by personal reasons, it is suggested to explain the situation to the bank in time, indicating that there is no malice after the deadline, and I hope to delete the record. If it is not approved, in addition to paying off the arrears, remember to pay the penalty interest. In addition, maintain good consumption habits, so that bad records will be automatically eliminated after five years. Except for mortgage, most loans only refer to credit records within two years.

Legal basis: Article 16 of the Regulations on the Administration of Credit Information Industry stipulates that 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.