There are two kinds of bad credit loans, which cannot be prohibited by the state. One is the students who use the green channel in loans overdue during their college years, and they can't get loans for life. The other is that the legal representative of a bankrupt company cannot borrow money for life.

Except for the above two categories, other records are only kept for 7 years. If the record will disappear after 7 years, you can continue to apply for a loan.