According to 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, and it will be deleted after more than 5 years.

The starting point of five years here is the day when the bad behavior or event ends, not the day when the bad behavior occurs. In other words, there is a loans overdue, which can only be deleted when the arrears are returned five years later, instead of being automatically eliminated five years after the overdue date.

Extended data

When the information in the personal credit report is wrong, there are two ways to deal with it: one is to bring the original and photocopy of valid identity documents and the personal credit report and file an objection application with the local branch of the People's Bank of China; Or directly contact the bank that handles banking business.

The Credit Information Center of China People's Bank and the bank handling the business will immediately check and correct the wrong information after receiving the objection application, and give a reply within 20 days.

People's Daily Online-At present, there are three ways to check personal credit reports.