My untrustworthy information has been five years. Why is it still there? brief introduction

Isn't personal credit information eliminated in five years? Why is it still there after five years?

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 five years from the date of termination of bad behavior or incident, and it will be deleted after five years.

First, we should pay attention to the premise that this deletion is more than 5 years, that is, it can only be deleted after the termination of personal bad behavior. For example, if your credit card is overdue, it will be recorded in your personal credit report. After you owe all the credit cards for five years, it must be deleted. If your credit card debt is not paid off, this record will not be deleted.

As for my relatives' personal credit inquiry records, why haven't they been deleted for more than five years? We consulted the staff on duty at that time. His statement is that the credit inquiry record is not bad information, so it has not been deleted after five years. I have carefully checked the Regulations on the Administration of Credit Information Industry, and there is no explanation about the handling of credit information inquiry records.

Although the personal credit inquiry record is not a bad record, it will also affect the bank's approval of the lender. Generally, there are too many records of personal credit inquiry, and the bank will basically not give you a loan. My relative's loan has not been approved yet.

To sum up, personal credit investigation is very important for everyone. You must be careful not to have a bad record unless you have to. Some credit records (such as inquiry records) will not be deleted after 5 years. In this way, when handling the business that needs to inquire personal credit, it may not pass the examination and approval.

For the credit card with the worst credit record at present, you should not only apply carefully, but also not overdraw at will after application. Remember to repay on time. Also, don't check your credit records at will, unless it is necessary, there will be records every time you check. Otherwise, it will bring great influence to yourself!

3. How is the retention period of personal bad credit information set to 5 years in the Regulations considered? The purpose of stipulating the retention period of bad credit information is to urge individuals to correct and maintain good credit records. The term is too long, and the cost of information subject credit reconstruction is too high; The time limit is too short to be binding on the information subject. Generally speaking, the international community has time limits on the preservation of personal bad information, but the time limits are different. If it is stipulated in the UK, it will be retained for 6 years; South Korea stipulates that it will be retained for 5 years; According to American regulations, personal bankruptcy information is kept for 10 years, and other negative letters are kept for 7 years. Negative information exceeding150,000 dollars is not limited by the retention period. According to the regulations of Hong Kong, personal bankruptcy information is kept for 8 years, and lost information is kept for 7 years. When the draft of the "Regulations" was publicly solicited for comments, many public opinions and experts suggested setting a certain retention period for bad information, which should not be too long. On the basis of fully listening to the opinions of all parties, according to China's actual situation and drawing lessons from international practices, the Provisions set the retention period of bad information as five years, and those exceeding five years should be deleted.

The dishonest record can be eliminated within a few years.

It takes five years to automatically remove the list of untrustworthy people. Within five years, only when the untrustworthy person has fulfilled his responsibilities can he apply to remove his personal information from the untrustworthy list. Under normal circumstances, if the untrustworthy person is still on the untrustworthy list, it will not be lifted no matter how long. Unless the trustee fulfills the obligations specified in the effective document, the application executor reaches a settlement agreement or the people's court decides to terminate the execution. The executive of the court will remove the information of the untrustworthy person from the list.

Legal basis: Article 10 of the "Several Provisions of the Supreme People's Court Municipality on Publishing the Information of the List of Executed Persons with Bad Faith" is under any of the following circumstances, the people's court shall delete the information of bad faith within three working days: (1) the person subjected to execution has fulfilled the obligations specified in the effective legal document or the people's court has completed the execution; (2) The parties have reached an execution settlement agreement, which has been fulfilled; (3) The application executor applies in writing to delete the untrustworthy information, and the people's court examines and agrees; (4) After the execution of the program, the property of the person subjected to execution is inquired twice or more through the network execution inspection and control system, and no property available for execution is found, and the applicant for execution or other people fail to provide effective property clues; (5) The person subjected to execution for breach of trust who has been ordered by the people's court to suspend execution according to law due to trial supervision or bankruptcy proceedings; (six) the people's court ruled not to execute according to law; (seven) the people's court ruled to terminate the execution according to law. If there is a time limit for inclusion, the provisions of the preceding paragraph shall not apply. Within three working days after the expiration of the inclusion period, the people's court shall delete the untrustworthy information. After deleting the information of dishonesty in accordance with the provisions of the first paragraph of this article, the people's court may re-include it in the list of persons subjected to dishonesty if the person subjected to execution has one of the circumstances specified in Article 1 of these provisions. In accordance with the provisions of the first paragraph of this article, the people's court shall not support the application for the inclusion of the person subjected to execution in the list of persons subjected to dishonesty within six months after deleting the information of dishonesty.

Why has the blacklist of credit information not been eliminated for five years?

It should be more serious

It is not impossible.

That is;

Mingke credit wumi co., ltd

Eliminate bad records

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Shang Qing: One of the five tones in ancient times, namely Shang Yin, has a sad tone. Here refers to the sound of autumn rain after dark.

Xiyuan: this is the name of the garden, and later it also refers to the garden.

Musk powder: powder, which means butterfly wings.

Bee yellow: This refers to the yellow decoration used by women, here refers to bees.

Suspect: It seems, almost. Yes, auxiliary words. Don Wang Bo's "Suburbs are Things": "Breaking the mountain is suspicious of painting obstacles, and the piano hangs."

Yan Liang: Is it warm or cold? Inflammation: heat. Cool: cold.

Ink and wash: light black, often describing or referring to smoke clouds. Sparse window: a window engraved with patterns.

Xiaoxiang: This refers to Xiangjiang River, or Xiaoxiang Water, and here refers to bamboo.

Money: Stay close, stay close.

Discussion: the significance of deliberation and reflection. In Hong Zikai's Nian Nujiao, the old man and the monk Zhong sang lotus flowers. "Xiangshan is old, and there is no discussion about whether to stay or not."

Hé cháng: Make clothes with lotus leaves, which means lotus leaves here.

Sorrow: the traveler's melancholy. Ten thousand folds describe the profundity of sadness.

What if the faithless person has not recovered after fulfilling his promise for five years?

If the person subjected to execution has fully fulfilled his obligations due to breach of trust, he may apply to the court for delisting. According to the provisions of the Measures for the Administration of Credit Information Business, the corresponding record of dishonesty will automatically become invalid after a certain number of years (currently five years) from the date of deletion. No matter how long it takes, it will not be revoked. It must be deleted after fulfilling the obligations specified in the judgment or mediation. Article 7 of the "Several Provisions of the Supreme People's Court Municipality on Publishing the Information of the List of Executed Persons with Breach of Trust" stipulates that if the executed person with breach of trust meets one of the following circumstances, the people shall delete the relevant information from the list of executed persons with breach of trust: (1) All the obligations specified in the effective legal documents have been fulfilled; (2) Reaching an execution settlement agreement with the application executor, which has been confirmed by the application executor; (3) The people's court decides to terminate the execution according to law. If a faithless person still fails to perform the judgment after five years, he will always be included in the list of people who have been untrustworthy, restricted from high consumption, and not allowed to take planes, high-speed trains, etc. And his children will not be allowed to go to private schools and so on.

Those who fail to fulfill their obligations will always be the object of breach of trust. If it is a person who has broken his promise, he should try his best to fulfill the relevant judgment as soon as possible to avoid breaking his promise, and then he can call out the credit repair function and regain the opportunity of social trust.

Legal basis:

Article 3 of the Provisions of the Supreme People's Court on Restricting the High Consumption and Related Consumption of the Executed Person.

If the person subjected to execution is a natural person, after taking measures to restrict consumption, he shall not have the following high-consumption and non-essential consumption behaviors for life and work:

(a) when taking the means of transportation, choose the second class or above of the plane, train soft sleeper and ship;

(two) high consumption in hotels, hotels, nightclubs, golf courses and other places above the star level;

(three) the purchase of real estate or new construction, expansion, high-grade decoration of housing;

(four) leasing high-grade office buildings, hotels, apartments and other places to work;

(5) Purchasing non-essential vehicles;

(6) tourism and vacation;

(seven) children attending private schools with high fees;

(8) Paying high premiums to purchase insurance wealth management products;

(9) Non-essential consumption behaviors such as taking all seats of G-prefix EMU trains and first-class and above seats of other EMU trains.