I borrowed 1500 on an online loan but paid it off in advance in a few days, why is there still a rec

Every one of your repayments will be recorded, which is normal, and the record is good.

P2P online lending: also known as P2P online lending. P2P is an abbreviation for peer to peer, which means "person to person".

Online credit originated in the United Kingdom, and then developed to the United States, Germany and other countries, and its typical model is that online credit companies provide a platform for free bidding between borrowers and borrowers.

The operation mode of online lending:

In the traditional P2P model, the online lending platform only provides the borrower and the borrower with information circulation interaction, information value determination and other services that facilitate the completion of the transaction, and does not substantially participate in the chain of lending interests.

In China, because the citizen credit system has not yet been standardized, the traditional P2P model is difficult to protect the interests of investors.

Dynamic business is carried out in batches, rather than passively waiting for each to be matched, so as to achieve rapid scale expansion. It is closely related to the target customer group of small and micro finance that has not yet been popularized by the development of the Internet in China, and almost all online loan platforms established since 2012 are in the mode of credit transfer.

If you have an online loan record, it usually seems to be five years!!

Credit records should be retained for five years, so these online loan records will also be retained for five years.

It will be eliminated after two years, but banks generally only look at the application records of the past six months.

If you repay the online loan, it will take two years for the credit report to be renewed.

Big data and credit are different, and it will take five years after settlement.

It takes 5 years for credit to slowly improve, while online loan data can return to normal after only 12 months if it takes. 62616964757a686964616fe59b9ee7ad9431333433633436

The so-called "credit is spent" is actually a folk saying, not an accurate financial expression. Because when we handle financial affairs in the future, in fact, banks and other financial institutions only need to inquire about two credit reports, one is the bank's personal credit report, and the other is the court's blacklist of dishonest judgment defaulters. Then, in the case of paying off my online loan, in fact, it will take a long time for the personal operation record to return to normal.

And at a certain level, there is a risk of long-term disturbance.

There are legal and non-compliant online loans, some legal and non-compliant, and some non-compliant. However, all lenders pretend to be legal and compliant, so after the borrower's arrears are overdue, the online lending institutions will be able to register the debtor's information into the People's Bank of China's credit information, or they will continue to fail to register the arrears information into the People's Bank of China's credit information. Some online lenders will also go to court to sue the debtor, but most of them will not sue.

Therefore, the impact on the formation of debtors mainly lies in the credit investigation of the People's Bank of China and court litigation.

So those who dare not log in to the People's Bank of China for credit investigation and dare not go to the court to sue, basically we can define it as a black network loan, they only dare to stop harassing collection or illegal collection, and the debtor can really ignore them. Unless they correct the facts of the violation of the law, then they can negotiate how to repay the loan.

If the borrower has repaid all the online loans in the end, no matter what method he or she has, if he has left traces in the credit records of the People's Bank of China, or in the records of the judgment defaulters in the court, how long will it be affected in the future?

1.In the credit records of the People's Bank of China, when the loan of a financial institution is repaid, it is generally recorded as "the loan has been repaid" or "the loan has been repaid after the deadline", and according to the current management rules, both records will be kept for 5 years. After 5 years, it is no longer available.

Then, in 5 years, if the borrower also applies for a new credit card or a bank or other financial institution to borrow, there is a record of "overdue settlement", which may or may not be approved, depending on the risk control request of each institution.

2.If the borrower has been repaid in the court's list of judgment defaulters, when the loan has been repaid, the case has been executed, and the case has been officially concluded, the court will indeed transfer the borrower to the official list, and other institutions will not be able to find out this record in the future. However, many civil judgments are now available on the Internet, so it is still possible to find the judgment and the notice of compulsory enforcement in the China Judgment Document Network (because only after the enforcement notice of the enforcement division of the court can the debtor be included in the list of dishonest judgment debtors), which cannot be avoided.

To sum up, what the people say about raising good credit mainly refers to the return of the credit record of the People's Bank of China to normal, so it will take 5 years. The court's list of judgment defaulters can be eliminated after the repayment is concluded. But if the court judgment goes online, it will always be available.

However, with the long term, even if it is found, it will not have much impact on the borrower.

If there has been frequent overdue online loan repayment, the bad records (overdue, arrears of interest) on the personal credit report will be kept for five years after the settlement, which means that the system will automatically cover it after five years for the credit investigation to be restored as before.

Generally, it takes more than a year, because according to the current national regulations on online loans, it takes a very long time.

It can be recovered almost within half a month, and we must remember to repay the loan on time when we usually borrow, and never do overdue processing.

5 years. Because the validity period of credit investigation is generally five years, it will take 5 years for credit investigation to be restored as before.

If the credit investigation is not upgraded after the online loan for housing purchase has been settled, the application for questioning is submitted to the credit information management center, and the loan repayment certificate is given, and the credit investigation is changed to be good. The credit information management center will feedback the opinions to the online loan service platform after receiving the application, let it verify, and then make credit information changes within 20 days after it is confirmed, and then the credit information can be upgraded and sent early.

If you say that you had certain problems with your credit investigation because of online loans, and later paid off all the online loans. Credit records will be updated in a timely manner, but they will not be deleted, and it will take five years to delete. For example, there are some people who are blacklisted because of credit problems, then their lives have been troubled to a certain extent.

For example, if you can't take some transportation, then when you pay off the loan, you can't take it in time.

Questions about credit reporting.

When the personal credit is removed from the blacklist, it will take five years to be able to live a normal life. The state has such a policy, and it also hopes to allow borrowers to repay loans in a timely manner, and also to let the big hail family know the danger of being blacklisted. However, you need to pay attention to the fact that the credit record will only be updated and will never be deleted, so if you want to participate in a state-owned enterprise or find a job in a private company in the future, once the other party will check the personal credit record, it will not be hired.

After the online loan is overdue, the credit investigation will not be restored immediately, and it should be decided in combination with the credit investigation record.

The borrower wants to restore the credit, the first thing is to pay off the overdue arrears, in addition to the principal, the overdue fees are also included, and the specific repayment amount displayed on the online loan repayment page shall prevail.

1. If it is ordinary overdue, and the credit record is only overdue, the credit can be restored after 5 years from the date of repayment.

2. For example, if the borrower is overdue for a long time, more than 180 days or more, and is considered to be unable to recover the arrears, there will be a record of bad debts on the credit report.

Note that credit overdue records do not support manual whitewashing, so borrowers should not go to intermediaries who claim to be able to help repair credit information on the Internet, so as not to be deceived by money and information if the repair fails, and may even cause other more serious consequences.

However, there are also ways to quickly restore credit information, for many online loans overdue caused by subjective reasons, such as the card has money online loan platform does not deduct when due, or the online loan that is impersonated by a friend is overdue, etc., the borrower can submit an objection application by providing relevant evidence, so that the online loan platform can modify the credit, otherwise there is no other shortcut to quickly restore the credit.

If you are unclear about your debts and online loan data, you can get an online loan big data report from Baisan Data, which has detailed data on online loan application records, overdue details, blacklists and other information.

Extended information: Will there be a credit report for repayment after the online loan is overdue?

If the online loan is connected to the central bank's credit system, the relevant repayment records will naturally be recorded in the credit report. If you accidentally overdue, you will also leave an overdue record on the credit report, and if you repay the loan after the deadline, you will also be trapped and leave a record. The overdue records on the credit report are generally retained for at least five years after the arrears are paid off before they may be deleted by the system.

If the online loan has not yet been connected to the central bank's credit system, the relevant repayment records are usually recorded in big data and have nothing to do with credit reporting. In case of overdue, the overdue information is also left in the big data, and the repayment record is also updated in the big data after the overdue repayment.

Regardless of whether the online loan is connected to the central bank's credit information, when repaying the online loan, you should pay attention to developing a good habit of repaying the loan on time and try to avoid overdue behavior. Because once it is overdue, it will lead to damage to personal credit, which will inevitably affect the handling of credit business in the future. It's not easy to repair credit damage when it's damaged.

Credit investigation will be restored after 5 years of overdue repayment of online loans. 1. After the repayment of the online loan, the credit will be automatically cleared after 5 years. The retention period of personal information by credit reporting agencies is generally five years after the lender repays the loan, and the information will be automatically cleared after five years; 2. Compared with credit reporting, the recovery speed of network big data is faster.

The online loan record will be restored at noon the next day after being paid off at the earliest, and it will generally be updated once every few months. Credit after repayment of online loans**, credit will be automatically cleared after 5 years. The retention period of personal information by credit reporting agencies is generally five years after the lender repays the loan, and the information will be automatically cleared after five years; Compared with credit reporting, the recovery speed of network big data is faster.

The online loan record will be restored at noon the next day after being paid off at the earliest, and it will generally be updated once every few months.

1. Since January 2020, the second-generation credit investigation has been launched, and all credit records, regardless of whether they are overdue or not, have a display period of 5 years. So first of all, if you have overdue debts, first pay off these debts, keep them for five years after settlement, and the system will automatically cover them after five years. In other words, if the user repays the arrears in his name and then maintains good lending behavior, it only takes 5 years for the user's credit to be restored.

2. All existing loans and credit cards under the name are repaid normally, do not be overdue, and do not apply for other loans and credit cards, as long as the normal repayment is maintained, the online loan can be settled in advance, so that after about 1 year, it will slowly raise the credit information.

In general, in order to maintain a good credit record, please avoid frequent borrowing and credit inquiries, and maintain good credit consumption after paying off the loan when your credit is spent.

After the loan is paid off, the credit report can generally return to normal in about a month. Because after the loan is repaid, as long as the lending institution uploads the information, the credit record is updated on T+1 day. In other words, you can see the update in a few days at the earliest.

If the lending institution will only upload the information in about a month, it will take about a month for the user's credit to be restored. Therefore, the key to how long it takes for credit to recover is to look at the time when the lending institution uploads the information. As long as the information is uploaded, it is updated on T+1 day, and the speed of credit update is still very fast.

In fact, there is no standard template for credit reporting, and there is no such thing as normal and abnormal. Generally speaking, as long as there are no errors in the information recorded in the credit report, it is normal. However, in the eyes of many people, the credit report does not affect the handling of their future loans, card applications and other financial businesses, which is normal credit reporting, and if there is some negative information on the credit report, it is abnormal.

If you think so, the following will tell you how long it will take for the credit report to return to normal after paying off the arrears.

First of all, if you repay the loan on time every period, and there is no negative record of credit after paying off, it is completely normal, and it will not adversely affect the future financial business handling, but will improve the future pass rate, because your credit history is good, and the debt ratio has decreased after you have paid off, and you may still be regarded as a high-quality user of the bank. If you are past due, you will need to maintain a five-year on-time repayment record after paying off the arrears before returning to normal.

In fact, for ordinary people, it is very difficult to maintain a good credit record for 5 years, and there will be one or two overdue situations caused by carelessness, so the bank will not be so strict when it actually examines the credit information, and it is not that there are some small bad records that will not give a chance at all. Moreover, the credit report is not the only content to be approved, personal income, assets under the name, bank statements and other factors will also be affected. Therefore, there are also many people who find that as long as the credit history of the past two years is not overdue, they can still get a loan or credit card, and some even say that one year is okay.

After the credit card is overdue, some people think about being clever and saying that it is okay to cancel the credit card. In fact, the repayment record in this card will not disappear on the credit report because of the cancellation of the card, and the credit report will also record the use of the card in the first 5 years, so this trick is useless. After the overdue date, paying off the arrears and slowly accumulating a good credit history is the best way to restore the health of the credit report.