Can credit information be washed white?

Personal credit records are transmitted from commercial banks and other institutions to the database of the central bank's credit information center through special lines. This process is automatically processed by the whole computer without manual intervention. Therefore, credit information cannot be washed away.

If you can modify the credit report at will, then not only the people involved are suspected of breaking the law, but also the report has no credibility.

Article 16 of the Regulations on the Administration of Credit Information Industry stipulates that the retention period of personal bad information by credit information agencies is 5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted.