[Direct answer]In the Beijing area, after fulfilling the obligations specified in the effective legal documents, the dishonesty record is not permanently retained. According to the "Several Provisions of the Supreme People's Court on the Disclosure of Information on Dishonest Persons Subject to Enforcement" (effective from October 1, 2013 and amended in May 2017), when the obligee has fulfilled his obligations and the enforcement is completed, the people's court shall delete the dishonesty information within three working days. However, it is necessary to distinguish between two aspects: first, the information in the court's list of dishonest persons subject to enforcement is deleted relatively quickly after fulfillment; second, the bad records in the credit report are preserved for five years from the date of termination of the bad behavior or event, and those exceeding five years will be deleted. Therefore, the deletion of the list does not mean that the credit record will be eliminated simultaneously. After fulfillment, it is recommended to actively contact the enforcement court to confirm the deletion and pay attention to the update of the credit report. For more details, please refer to the relevant provisions.Legal services for creditor-debtor disputes and enforcement cases.

I. Problem Background and Typical Scenarios

The person subject to enforcement is usually included in the list of dishonest individuals due to circumstances such as having the ability to perform but refusing to do so, evading enforcement, violating the property reporting system, or violating the high-spending restriction order. This leads to problems such as limited access to loans, travel and accommodation restrictions, and affected bidding and tendering qualifications. Many parties still have doubts after fulfilling their obligations: When will their names be removed from the list? Will the bad records on their credit reports follow them for life? Are the so-called "intermediaries who can delete dishonest records for a fee" reliable? In practice, a common misunderstanding is to confuse the "removal of the court's dishonest list" with the "retention of bad records on credit reports". Some people also fail to confirm the removal of the list information in time after fulfilling their obligations, resulting in obstacles to loan approval. Clarifying the time limit rules of the two systems is essential for properly planning credit repair after fulfilling obligations. For guidance, please contact us.Beijing Henglu Law FirmThe executive team.

II. Key points of contention

There are four key points to this type of issue. Firstly, the method of deletion: After the obligee has fulfilled their obligations or the court has completed the enforcement, the court shall delete the dishonesty information on its own initiative, but in practice, it is recommended to actively apply for deletion and keep the relevant proofs. Secondly, the starting point of the three-working-day period: It generally starts from the date when the statutory circumstances such as the fulfillment of obligations or the completion of enforcement occur, rather than the date when the party applies for deletion. Thirdly, the starting point of the five-year retention period for credit information: It starts from the date when the adverse behavior or event ends, that is, the date when the debt is repaid or the enforcement is completed, rather than the date when the debt arises. Fourthly, the handling of enforcement settlements: If an enforcement settlement agreement is reached with the applicant for enforcement and the obligations are fulfilled, the dishonesty information can also be deleted; if only a settlement is reached but the obligations are not fulfilled, it does not constitute a basis for deletion. Corporate dishonesty may also affect bidding and financing. This issue can be further discussed in combination with the above content.Legal services for corporate commercial and contract disputesCoordinate and handle it comprehensively.

III. Professional analysis by Hengluo Law Firm

Based on practical observations in handling enforcement cases, there are three most common pitfalls in credit repair after fulfillment of obligations. First, failure to confirm the deletion of the blacklist after fulfillment: In some cases, after the obligation is fulfilled, the court should delete the dishonesty information according to regulations, but the parties fail to follow up actively, and the list information is still in the system. When applying for loans or participating in bidding and tendering, it is discovered that the "record cannot be deleted". Second, lag in credit information updating: Banks and other institutions report data to the credit information system on a regular basis. Even if the list has been deleted, the overdue and bad records on the credit report will still be displayed for a period of time, which is a problem with the data reporting cycle, not that the list has not been deleted. Third, believing in "paid deletion of records": The right to delete the blacklist belongs to the people's court, and the retention period of credit records is stipulated by administrative regulations. Any intermediary claiming to "delete records through internal channels" is suspected of fraud, so don't fall for it. The court reviews the deletion application based on the fact that the obligation has been fulfilled or the enforcement has been completed. If the supporting documents are complete, the processing will usually be faster.

IV. Practical suggestions and legal basis

The core basis is the "Several Provisions of the Supreme People's Court on the Disclosure of Information on Discredited Persons Subject to Enforcement" (effective from October 1, 2013, and amended in May 2017) regarding the deletion of discredited information (within three working days after fulfilling obligations or completing enforcement) and the correction procedures; Article 16 of the "Regulations on the Administration of the Credit Information Industry" (promulgated on December 26, 2012, and effective from March 15, 2013) stipulating that adverse information shall be kept for five years from the date of termination of the adverse behavior or event, and shall be deleted after five years. Practical suggestions: After fulfilling obligations, request a bank transfer certificate and confirm the closure of the enforcement case; contact the enforcement court in writing to apply for the deletion of discredited information and confirm that it will be completed within three working days; check the update status of the report through credit information query channels; verify whether there are other unresolved enforcement cases; for those mistakenly included in the discredited list, apply to the enforcement court for correction in accordance with the regulations. Specific operations can be carried out throughLegal services for creditor-debtor relations and enforcement casesObtain guidance.

5. Henglu Law Firm's Reminder

The key to credit repair is "fulfill obligations first, confirm afterwards, and verify later". After fulfilling obligations, don't wait passively. Instead, actively apply to delete the dishonest information and obtain proof. At the same time, understand the rule that credit records are kept for five years and plan your subsequent credit arrangements rationally. Never believe in the black intermediaries who offer to delete records for money, so as to avoid losing both money and reputation. During the delay in fulfilling obligations, interest and penalties may continue to increase. Early fulfillment is the key to early repair. If you believe that the dishonest information has been included incorrectly, or if the deletion application has not been processed in time, you can apply for correction according to law or seek help from a lawyer. For more details, please consultBeijing Henglu Law FirmA professional lawyer.

VI. Frequently Asked Questions

Q1: After fulfilling the debt, how long will it take for the untrustworthy record to be completely erased?

It can be divided into two aspects: regarding the court's trust-breaking list, according to the "Several Provisions of the Supreme People's Court on the Disclosure of Information on Trust-Breaking Enforcees", if the enforsee has fulfilled the obligations determined by the effective legal documents or the people's court has completed the enforcement, the people's court shall delete the trust-breaking information within three working days; regarding the credit report, according to Article 16 of the "Regulations on the Administration of the Credit Industry", the bad information shall be preserved for five years from the date of termination of the bad behavior or event, and the information exceeding five years shall be deleted. That is to say, the deletion of the list is usually completed within three working days after the fulfillment of the obligations, while the bad credit records need to wait until the expiration of the five-year preservation period. The rules of the two systems are different, so they should not be confused with each other.

Q2: To delete the trust-breaking record, what materials do I need to prepare?

The core materials include: performance certificates (bank transfer receipts, payment certificates for the court's collection account), execution closure certificates or documents issued by the court indicating the completion of performance, applications for deleting dishonesty information (stating the execution case number, performance status, and deletion request), the identity of the person subject to enforcement or proof of business license, and power of attorney documents. If an enforcement settlement has been reached, the settlement agreement and confirmation materials of completed performance must also be submitted. The key to preparing the materials is to use written certificates to prove that "the obligations have been fulfilled or the execution has been concluded". If the facts are clear, the court will usually delete the information quickly in accordance with the law.

Q3: How much does it cost to hire a lawyer to handle the removal of a credit-untrustworthy record?

There is no unified standard for lawyers' fees. Generally, fees are charged on a per-case basis or determined through negotiation based on the workload, with the specific amount subject to the contract of entrustment. For simple deletion of application items, the legal relationship is relatively simple, and the fees are usually not high; if it involves execution objections, application for correction, and reconciliation negotiations with the applicant for enforcement, the fees will increase accordingly. It should be noted that the right to delete from the dishonesty list belongs to the people's courts, and the retention period of credit information records is stipulated by administrative regulations. No institutions or individuals can "accelerate" the five-year retention period of credit information. Intermediaries who claim to charge fees to delete records should be firmly avoided. Before entrusting, it is recommended to clarify with the law firm the scope of services and the conditions for refunds.

Q4: After submitting a deletion request, how long does it usually take to process it?

According to the law, after the person subject to enforcement has fulfilled their obligations or the enforcement process has been completed, the people's court shall delete the dishonesty information within three working days; if the materials are complete and the facts are clear, the list deletion will usually be completed within this period and synchronized to the relevant publicity and query systems. The update of the credit report depends on the reporting cycle of each data reporting institution, and it generally takes several weeks to wait for the next reporting batch. If the deletion is not completed within a reasonable time after the application is submitted, you can inquire about the progress from the enforcement court or apply for correction in accordance with the regulations. It is recommended to apply for deletion as soon as possible after fulfilling your obligations and regularly check and confirm it through public channels.

Q5: After completing the performance, what should I do first?

Here's the translation of the four-step plan into English, with a detailed explanation: 1. Keep all receipts and payment certificates, and contact the executing court to confirm that the case has been closed. 2. Submit an application to the executing court to remove the credit-untrustworthy information, attaching the fulfillment and case closure certificates. Confirm that the removal will be completed within three working days. 3. Check your credit report through official channels to understand the display of negative records and be aware of the five-year retention period rule. 4. Avoid falling victim to fraudulent "paid removal" services. Also, verify if there are any outstanding enforcement cases to prevent being added back to the restricted list due to omissions.

The above content is based on the judicial practice in the Beijing area. The facts of individual cases and the jurisdiction of the court may affect the conclusions. Welcome to consult Hengluo Lawyers for specific cases.

If you are currently facing similar problems, it is recommended that you consult a professional lawyer as soon as possible with the relevant evidence materials, to avoid missing the statutory time limit. →\nLegal services for creditor-debtor disputes·Beijing Henglu Law Firm

Disclaimer: This article is compiled based on the current effective laws and regulations and public adjudication rules, and is for general reference only. It does not constitute a formal legal opinion on specific cases. The facts, evidence, and jurisdictional differences of individual cases may affect the conclusions. If you encounter disputes, please consult a practicing lawyer in time.