If an individual has a "stain" with a bad credit record, it can be deleted after 5 years.

On July 22 this year, the Legislative Affairs Office of the State Council published the second draft of the Regulations on the Administration of Credit Information Industry (Draft).

1. The retention period of bad information that the credit reporting agency has a negative impact on the collected personal credit status is 5 years, such as the information that the information subject fails to fulfill the debt as agreed in activities such as loan, credit card use, credit sale and guarantee;

2, for the administrative punishment of the information subject, the people's court ruled or ruled that the information subject fulfilled its obligations and executed the information;

3, more than 5 years, the credit agency shall be deleted.

Extended data:

The causes of black households:?

1. The credit card has been overdue for three consecutive times, totaling six times;

2. The monthly mortgage payment is overdue for 2 to 3 months or unpaid;

3. The monthly car loan is overdue for 2 to 3 months or not paid off;

4. If the loan interest rate increases, the monthly payment will still be paid according to the original amount, resulting in overdue interest; ?

5. Water, electricity and gas charges are not paid on time; ?

6. Personal credit card cashing behavior; ?

7. Outstanding student loans; ?

8. If the Sleep Credit Card is not activated, it will still generate an annual fee. If you don't pay, you will have a negative credit record; ?

9. Credit card overdrafts and mortgage loans are not repaid on time;

10. When providing a guarantee for a third party, the third party fails to repay the loan on time;

1 1, the mobile phone number was stopped, and the relevant formalities were not handled. If the monthly fee is overdue, it will also cause bad records; ?

12. Credit card arrears records are generated by others using their own ID cards or copies of their ID cards.

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