How long will it take to eliminate overdue credit records?

1, loans overdue for 5 years in the credit information system; That is, after loans overdue, the records will be automatically deleted after five years. Note that the five-year period mentioned here means that it can be deleted after five years from the date when the user pays off the arrears. If the borrower fails to repay the arrears, the overdue record will always exist.

2. Credit card repayment information is recorded in the central bank's credit information system in a rolling way for 24 months, that is, the personal credit information report can only see the use of credit cards in the past two years. After the overdue behavior occurs, the user pays off the arrears in time, continues to use the credit card for 2 years, and maintains a good repayment record during the use, so after 2 years, the bad record will be covered by a good record. However, if the credit card user cancels the credit card immediately after paying off the overdue payment, the bad record will be kept for a long time.

Extended data

1. What date is the credit information updated every month?

1. Generally speaking, the update of personal credit information is not fixed on the date. Because the credit center of China Bank receives the credit data reported by financial institutions at a specific time every month, it will only be updated when it gets the data, so the update date is not fixed.

2. Personal credit information records personal basic information, credit transaction information, inquiry times, etc. Users should ensure good personal credit information at ordinary times, otherwise it will affect the handling of some businesses.

Second, how to check personal credit?

Personal credit inquiry can be conducted in the following ways:

1. Counter inquiry: You can bring your ID card to the bank counter for personal credit report inquiry.

2. Self-service inquiry machine: You can go to the self-service inquiry machines of four major banks to inquire about personal credit reports.

3. Online banking inquiry of commercial banks: users can inquire about the personal online banking of some commercial banks that can view credit reports, such as China CITIC Bank and Bank of Beijing.

4. Online inquiry: The People's Bank of China has launched an online credit inquiry system, and users can make inquiries through this website.