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, you have a loans overdue, and you have to wait for five years to delete it after you pay off the arrears, instead of automatically eliminating it after five years overdue.
Personal credit report includes three aspects of information, namely personal identity information, credit transaction information and personal non-bank information. Personal information includes basic personal information, residence information and occupation information. Credit transaction information includes credit card, loan, loan guarantee information for others, etc. Personal non-bank information includes personal housing accumulation fund information, personal endowment insurance information, personal telecom payment information, etc.
Extended data:
When the information in the personal credit report is wrong, there are two ways to deal with it:
That is, bring the original and photocopy of valid identity documents and personal credit report to the local branch of the People's Bank of China to submit an objection application; Or directly contact the bank that handles banking business. The Credit Information Center of China People's Bank and the bank handling this business will immediately check and correct the wrong information after receiving your objection application, and give a reply within 20 days.
If it is overdue, it should be remedied in the shortest time. For borrowers who are on business trip, on vacation, on-the-job in other places, or staying in the village, on the one hand, they should properly arrange loan repayment before leaving, such as putting a certain amount into a deduction account in advance, entrusting someone to help repay on time, and binding credit cards and debit cards.
People's Daily Online-At present, there are three ways to check personal credit reports.