Can the blacklist of dishonest persons be eliminated after five years?

Hello, the list of dishonest persons will not be automatically eliminated after five years, unless the principal is returned, so that the court will cancel the blacklist of dishonest persons.

The bad record on the personal credit report of the central bank will be retained for 5 years from the date of termination of the bad behavior or event.

This 5-year period starts from the actual repayment date, not the due date, that is, after the loan is paid off, the overdue record of more than 5 years will be automatically eliminated.

Can be eliminated after one or two years:

If the credit card is not maliciously overdue, or it is a small, short-term overdue credit record, it is best to continue to use the card for 24 months, during which time maintain good credit behavior, so that you can cover the bad credit record of 2 years ago.

2. It can be eliminated after five years.

Generally speaking, the bad record on the personal credit report of the central bank will be retained for 5 years from the date of termination of the bad behavior or event. It should be noted that this 5-year period starts from the actual repayment date, not the repayment date, that is, after the loan is paid off, the overdue record of more than 5 years will be automatically eliminated.

III. Where the following conditions are met, information on judgment defaulters may be deleted from the Judgment Defaulters List:

1) They have fully performed the obligations set forth in effective legal documents;

2) An enforcement settlement agreement is reached with the person applying for enforcement, and the person applying for enforcement confirms that the performance has been completed;

3) The people's court rules to terminate enforcement in accordance with law.

If you say that you have been on the list of untrustworthy persons, then no matter how many years have passed, your list of untrustworthy persons will still exist, and it is impossible to say that it will be automatically eliminated for you after a few years. So you don't have this kind of fluke thinking.

No, the blacklist of untrustworthy persons has already been published on the Internet, and it is difficult to eliminate it if it is published online.

The five-year term of the new version of the credit report is from the time of the repayment of bad credit arising from the occurrence of borrowing. 2. For example, if the credit card is overdue in November 2009 but is repaid in December, the bad credit will be automatically eliminated in December 2014.

3. If you assume that you delay to pay off in January 2010, then 5 years from January 2010, that is, until January 2015, bad credit can be automatically eliminated.

How long will it take for the blacklist of untrustworthy persons to be eliminated, depending on the situation

1. Generally, the period for blacklisting the stuffy executor is generally two years, and it will be automatically lifted after two years; The law stipulates that where a person subject to enforcement refuses to perform on an enforcement settlement agreement without a legitimate reason, the period for inclusion in the list of judgment defaulters is two years; If the untrustworthy person actively corrects the untrustworthy conduct, the court may delete the information on untrustworthiness in advance;

2. Where the person subject to enforcement obstructs or resists enforcement by means of violence or threats, or has multiple untrustworthy conduct, it may be extended by one to three years; Where judgment defaulters actively perform the obligations set forth in effective legal documents or actively correct their untrustworthy conduct, the people's courts may decide to delete information on untrustworthiness in advance;

3. It takes 5 years for the credit blacklist to be lifted, and it will continue to exist after the credit report is overdue, and it will not be displayed in the credit report until five years after the cardholder pays off the arrears. Generally, the credit record will be updated after 5 years, and if there is no bad record within 5 years after the credit investigation is paid off, the credit report will return to normal.

Legal basisArticle 2 of the Several Provisions of the Supreme People's Court on the Publication of Information on the List of Judgment Defaulters.

Where persons subject to enforcement have the circumstances provided for in items 2 through 6 of article 1 of these Provisions, the period for inclusion in the list of judgment defaulters is 2 years. Where the person subject to enforcement uses violence or threats to obstruct or resist enforcement, or has multiple untrustworthy conduct, it may be extended for 1-3 years.

Where judgment defaulters actively perform the obligations set forth in effective legal documents or actively correct their untrustworthy conduct, the people's courts may decide to delete information on untrustworthiness in advance;

It won't be eliminated anytime soon. Unless you want to pay off the debt.

It's been made clear upstairs, and if you don't pay it back, it won't be lifted!

[Legal Analysis].: The court blacklist will generally be eliminated within two years, if the dishonest person obstructs or resists enforcement by means of violence or threats. Where the circumstances are serious or there are multiple acts of dishonesty, an extension of one year to three years may be given, and the person subject to enforcement should actively perform the obligations provided for in the effective legal documents, or take the initiative to correct the dishonest conduct, the people's court may decide to delete the dishonest information in advance.

Legal basis"Several Provisions of the Supreme People's Court on the Publication of Information on the List of Judgment Defaulters" Article 1: Where persons subject to enforcement fail to perform the obligations set forth in effective legal documents, and have any of the following circumstances, the people's courts shall include them in the list of judgment defaulters and give them credit punishments in accordance with law:

1. Refusal to perform the obligations set forth in effective legal documents despite having the ability to perform;

2. Obstructing or resisting enforcement by means such as fabricating evidence, violence, or threats;

3. Evading enforcement by means of false litigation, false arbitration, or concealment or transfer of property;

4. Violating the property reporting system.

The above is only the current information combined with my understanding of the law, please refer to it carefully!

If you still have questions about this issue, it is recommended that you organize the relevant information and communicate with a professional in detail.

Untrustworthy persons are generally not automatically released for five years. The law stipulates that where judgment defaulters Lu Da actively performs the obligations set forth in effective legal documents or actively corrects untrustworthy conduct, the people's court may decide to delete the information on untrustworthiness in advance. Therefore, if the case of the untrustworthy person has been closed, it is not automatically released within five years, but must be deleted by the court after the untrustworthy person has consciously fulfilled his enforcement obligations, otherwise it will not be removed.

1. Will the information of the untrustworthy person disappear after 5 years?

The record of untrustworthiness of a dishonest person will be recorded in the personal credit report for 5 years, and it will be counted from the date of the untrustworthy matter or the date of the news of the untrustworthy behavior, so it is not that the record will automatically disappear after 5 years of default.

II. What should I do if I have objections to my personal credit reporting records.

Where, on the basis of the "Regulations on the Administration of the Credit Reporting Industry", information subjects feel that there are errors or omissions in the information collected, stored, or provided by credit reporting establishments, they have the right to raise objections to the credit reporting establishments or information providers and request corrections.

Credit reporting establishments or information providers receiving objections shall follow the provisions of the department for oversight and management of the credit reporting industry to make a note of the existence of objections to the relevant information, conduct verification and handling within 20 days of receiving the objections, and reply to the objectors in writing on the outcome.

Where, upon verification, it is confirmed that there are truly errors or omissions in the relevant information, the information provider or credit reporting establishment shall make corrections; where it is confirmed that there are no errors or omissions, the objection marking shall be cancelled; Where it is still not possible to confirm after verification, the circumstances of the verification and the content of the objection shall be recorded.

Article 26: Where information subjects feel that credit reporting establishments, information providers, or information users have violated their lawful rights and interests, they may make a complaint to the local department for the oversight and management of the credit reporting industry.

The institution accepting the complaint shall promptly conduct verification and handling, and reply in writing to the complainant within 30 days of acceptance.

Where information subjects feel that credit reporting establishments, information providers, or information users have violated their lawful rights and interests, they may directly file a lawsuit in the people's courts.

3. What is included in the personal credit report?

2: Bank credit: This item will list the details of each credit card and loan business, and specifically show the past debt history of the credit respondent.

Credit bureaus and credit banks often analyze consumers' behavior and preferences from this information, and judge consumers' future repayment ability from their past repayment intentions. This information is important.

3: Non-bank credit: record the payment of consumers in communications, water, electricity, and coal, such as whether the use of mobile phones is normal, and whether there are arrears in public utilities such as rotten businesses.

4: Objection record: When the party being credited believes that there is a dispute over the content reflected in the report, it may be reflected in that section by adding a statement, and the individual's right to raise an objection reflects the protection of the individual's legitimate rights and interests, and is also an important way for the credit reporting agency to correct and update information.

5: Query records: is a summary of all the records that have been queried by the individual in the last 6 months.

If there are too many inquiry records, and there is no card or loan record during this period, the bank will feel that the qualifications of the party subject to credit investigation are not good, which will affect the future loan application and credit card processing.

Legal basis

Regulations on the Administration of the Credit Reporting Industry

It takes one to three years for the blacklist of dishonesty to be removed.

According to relevant provisions, where a person subject to enforcement refuses to perform on an enforcement settlement agreement without a legitimate reason, the period for inclusion in the list of judgment defaulters is two years. Where the person subject to enforcement obstructs or resists enforcement by means of violence or threats, or has multiple untrustworthy conduct, it may be extended for one to three years. Where judgment defaulters actively perform the obligations set forth in effective legal documents or take the initiative to correct untrustworthy conduct, the people's courts may decide to delete the information on untrustworthiness in advance.

The consequences of overdue credit cards of dishonest persons are as follows:

1. Penalty interest for overdue credit cards, penalty interest will be incurred for overdue credit cards. Overdue interest will be calculated on a daily basis. The longer the user is overdue, the more overdue interest will be generated;

2. Affect personal credit investigation, and the expiration of credit card will affect personal credit investigation. Our overdue records will be uploaded to the bank's credit check system. Once the personal credit check has an overdue record, if you want to use a bank loan to buy a house and a car in the later stage, it will be affected;

3. Bank collection: After the credit card is overdue, the bank will take collection measures against the overdue user. In addition to SMS and ** collection, banks carry out door-to-door collection, which will definitely have a certain impact on the lives of credit card users.

To sum up, it takes one to three years for the credit blacklist to be eliminated.

Legal basis

Article 10 of the Supreme People's Court's Several Provisions on the Publication of Information on the List of Persons with Honorable Reputations for Untrustworthiness.

In any of the following circumstances, the people's courts shall delete the information on untrustworthiness within 3 working days:

1) The person subject to enforcement has already performed the obligations set forth in the effective legal documents or the people's court has completed enforcement;

2) The parties have reached an enforcement settlement agreement and the performance has been completed;

3) Where the person applying for enforcement applies in writing to delete information on untrustworthiness, and the people's court reviews and agrees;

4) After the conclusion of this enforcement procedure, the property of the person subject to enforcement is inquired into the property of the person subject to enforcement more than twice through the file Yingfu network enforcement investigation and control system, and no property available for enforcement is found, and the person applying for enforcement or other persons does not provide effective property clues.