What should I do if my bad credit record is caused by mistakes in SDB?

1. 1. Confirm who caused the negative information: (1) If it is caused by itself, it cannot be handled; (2) If it is caused by bank staff, the negative information is called wrong data. The correction of incorrect data is also called objection handling, which includes two ways: one is direct handling by financial institutions; The second is initiated by the People's Bank of China. 2. Confirm the financial institution with erroneous data: If it is impossible to confirm, bring your ID card and copy to the local people's bank to check your credit report and confirm the financial institution with erroneous data. 3. Method of correcting data: Method 1: Go directly to the personal objection handling department of the financial institution (generally in the personal loan management department or credit card management department) and ask it to correct the data. Path 2: Bring my ID card and copy to the local people's bank to raise personal objection to the wrong data. 4. Comparison of the two methods: The first method is applicable to local financial institutions with erroneous data, and the second method is applicable to foreign financial institutions with erroneous data. Negative information retention period: there is no specific provision in relevant laws and regulations in China. At present, before the promulgation of the Credit Management Regulations, the negative information of credit cards was kept for 24 months, following international practice; Negative loan information shall be kept for 5-7 years.