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问题
征信查询记录要好久消除
释义
法律分析:
据了解,个人征信不良记录会在5年后消除。但如果是在欠款的前提下,不良记录会一直保存着。如果我们在信用卡的使用过程中,没有产生任何不良记录,那么你查看到的个人信用记录只会显示近2年的数据。
法律依据:
《征集业管理条例》 第十六条 征信机构对个人不良信息的保存期限,自不良行为或者事件终止之日起为5年;超过5年的,应当予以删除。在不良信息保存期限内,信息主体可以对不良信息作出说明,征信机构应当予以记载。
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更新时间:2026/3/6 12:18:34