For a long time before, whether or not to carry out credit only depends on personality. With the development of society, science and technology are also making constant progress. Especially after entering the internet era, credit has been proved in black and white, which is the so-called central bank personal credit information system. At present, most domestic commercial banks and mainstream non-financial institutions have joined the central bank's credit information system. Every consumption, loan service and personal credit report of people in the financial system will be displayed.

at this time, some people will ask, under what circumstances will personal loans have an impact on the report records of credit information? We should know that personal loans are actually divided into many types, such as timely repayment after borrowing money, extension, repayment of new loans, arrears of interest, overdue loans, advances and so on.

first of all, it is needless to say that repayment on time will have no impact on personal credit record report. And the extension and borrowing the new to repay the old means that when a person can't repay the money he borrowed within the repayment period, he will negotiate with the bank to extend the repayment period.

borrowing the new and returning the old is similar to postponing. The loan is unable to repay when it expires, and the bank needs to issue new loans to repay the old loans. Although these two methods have extended the repayment time, they can still be repaid after all, so the impact on personal credit information is still relatively small. As long as the repayment can be made within the specified time, then there is no problem.

The latter three situations are more serious and will be included in the statistics for six consecutive years. Some people may ask what it means to be tired six times in a row, which means to have a bad record for six or three times in a row. This is the bank's credit standard requirement for borrowers. If this happens, it is unlikely that you want to borrow money from a regular bank.

As for the credit information circulating on the Internet, it is wrong to keep it for five years at the longest and then automatically eliminate it after five years. Before 213, China chose to keep its bad credit record permanently. Under the management regulations at that time, not to mention five years, even after 5 years, bad credit records will not be eliminated.

however, in 213, the relevant regulations were revised, and the retention time of bad information of people by credit reporting agencies was limited to five years. However, this change makes many people mistakenly think that bad credit records can be automatically eliminated after waiting for 5 years. For example, on May 27, 22, someone loans overdue appeared on the credit report, so it was automatically cancelled on May 27, 225 five years later, which is obviously wrong.

in the regulations issued by the state, it has been clearly pointed out that the retention period of bad personal information of credit reporting institutions is five years from the date of termination of their bad behavior or events, and it will be deleted after five years.

bad credit records can be deleted after 5 years, but only if the borrower pays off all the debts. In other words, when a person pays off his overdue payment on May 27, 218, the bad credit record on May 27, 223 will be eliminated. And if you don't settle the money you owe in time, then this record will always be with you.

It is worth mentioning that many people on the Internet claim that they can help clear bad credit records. But these are all liars. We must know that only the central bank has the power to modify the credit information system. At the same time, the central bank has strict authority restrictions on revision. After the commercial bank submits the report, the grass-roots staff of the central bank will review it, then the supervisors of the central bank will approve it, and finally the records will be revised.

so for people, credit records must be kept well. Once there is any overdue or other behavior, try to repay it. Of course, the best way to avoid this situation is not to apply for a loan, so that there will be no overdue situation. If the credit record is not good, it will cause a lot of trouble in later life. It is difficult to buy a house with a loan. Therefore, you must pay off your debts in time. Related questions and answers: