Personal credit information will be updated and cleared after 5 years. In addition, it should be noted that the premise of updating the credit report is that the user has paid off the arrears. If there are overdue cases, it will be useless even after five years. Secondly, the introduction of the new version of credit information is only a further refinement of the old version of credit information. It does not mean that the old version of the credit report will be cleared, but it will still be displayed on the new version of the credit report, and the displayed content will be more detailed.
1. Credit investigation is a Chinese vocabulary, and its pinyin is zhēng xìn, which means collecting, sorting, preserving and processing the credit information of natural persons, legal persons and other organizations according to law, providing credit reports, credit evaluation, credit information consultation and other services to help customers judge and control credit risks and carry out credit management activities. From Zuo Gong's Eight Years, "A gentleman keeps his word and has a levy, so his resentment is far greater than his body". Among them, "collecting by faith" means that you can verify the credibility of your words, or you can collect and verify credit.
1. Credit investigation is an activity in which a professional and independent third-party organization establishes credit files for individuals or enterprises, collects and objectively records their credit information according to law, and provides credit information services to the outside world according to law. It provides a platform for professional credit reporting agencies to enjoy credit reporting.
2.2065438+In May 2009, new personal credit information was officially released, and the length and fineness of credit information will be further improved.
Second, the credit report records an individual's past credit behavior, which will affect an individual's future economic activities. These behaviors are reflected in personal credit reports, which are commonly called "credit records". Until 20 12, there is not a single law or regulation in China's current legal system to provide a direct basis for credit investigation. On June 5438+ 10, 2009, the Legislative Affairs Office of the State Council promulgated the Regulations on Credit Management (Draft for Comment), and solicited opinions from all walks of life on the Regulations on Credit Management.