The Regulations on the Administration of Credit Information Industry has corresponding provisions on this:
Article 16 The retention period of personal bad information by credit reporting agencies is 5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted.
During the retention period of bad information, the information subject may explain the bad information, and the credit reporting institution shall record it. Information subjects can inquire their own information from credit reporting agencies.
Extended data:
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Regulations on the Administration of Credit Information Industry and other relevant laws and regulations:
Article 35 If the management center finds any suspected violation of laws and regulations, it shall inform the party concerned about the punishment for breach of trust and blacklist management, explain their defense rights and defense channels, keep relevant information of the party concerned, and verify the situation by telephone, interview, etc.
If the parties have any objection to the determination of dishonesty, they may appeal to the management center. The management center shall listen to the statements and arguments of the parties, verify the reflected situation and give a reply. If the facts and reasons put forward by the parties are established, the management center shall correct them.
Article 36? If the illegal acts of depositing employees, such as forging certificates and seals of state organs or forging signatures of others, are suspected to constitute a crime, the management center shall transfer them to judicial organs for criminal responsibility according to law.
Baidu Encyclopedia-Regulations on the Administration of Credit Information Industry