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Anonymous users2024-02-07If the online loan application record is more than 5 years, it will be eliminated. The retention period for credit reporting establishments of negative personal information in online loan applications is 5 years, starting from the date on which the negative conduct or incident is terminated, and will be deleted if it exceeds 5 years.
[Legal basis].
Article 16 of the Regulations on the Administration of the Credit Reporting Industry.
The period for credit reporting establishments to store negative personal information is 5 years from the date on which the negative conduct or incident is terminated; Where it is more than 5 years old, it shall be deleted. During the period for storing negative information, the information subject may make an explanation of the negative information, and the credit reporting establishments shall record it.
Article 17. Information subjects may make inquiries into their own information from credit reporting establishments. Personal information subjects have the right to obtain their credit reports free of charge twice a year.
Article 18. Where inquiries are made to personal information from credit reporting establishments, the written consent of the information subject shall be obtained and the use agreed upon. However, there is an exception where the law provides that an inquiry may be made without consent. Credit reporting establishments must not provide personal information in violation of the provisions of the preceding paragraph.
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Anonymous users2024-02-06First, the front. As long as the user returns the arrears on time or pays off the overdue arrears in time, the normal repayment records and overdue records will be cleared once every 3 months.
2. Specific analysis.
If the overdue arrears are not paid off, the normal repayment records will be cleared once every 3 months, and the overdue records will continue to be retained in the online loan big data. As long as there are no overdue records and multiple loans caused by frequent applications in the user's online loan big data, then the user's online loan big data is good, which will not affect the user's subsequent application for online loans.
Be careful not to trust some people who claim to be able to help you clean up big data, online loan big data can only be optimized, and no one can clean it up.
You can get the online loan big data report from "Xiaoqi Xincha", which includes information such as online loan history, online loan overdue details, debts, untrustworthy information, and online loan blacklist.
3. How to deal with overdue credit card online loans?
If the credit card application is rejected and the bank gives the reason that the comprehensive score is insufficient, it is recommended to check what the problem is first, and then solve the problem.
After all, when approving a credit card, the bank will evaluate all aspects, including age, education, marital status, residential address, employer, income level, debt, repayment ability, bank assets, credit status, etc.
If there is a problem with credit and there is a bad record on the credit report, then only after the credit is taken care of, and when the personal credit level improves, the new good record gradually covers the old bad record, and the credit is repaired, then it is good to apply for a credit card.
If you have too many credit cards and loans in your name, resulting in a high personal debt ratio, you can find a way to pay off the debt or pay off part of it first, and then apply for a credit card after reducing the debt ratio.
In addition, if the bank is worried about the lack of repayment ability due to the low economic income, then if there are additional assets, it can provide proof of this to the bank. When applying for a credit card, you should also consider whether the level of assets and financial resources required by the card is consistent with your economic income, and do not blindly pursue a high-grade credit card.
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Anonymous users2024-02-05The online loan records of the central bank's credit investigation are generally kept for five years, but the premise is that the user pays off the arrears, otherwise the record will still exist.
For example, if a user has a serious overdue online loan and has been recorded in the credit report of the central bank, the retention period of this record is calculated from the date of termination of the overdue event and extended for five years.
However, online loans are relatively lenient for overdue users, usually they will give borrowers a longer grace period, and will not be as strict as the bank will immediately report the overdue information to the credit information, if the online loan user finds that he is overdue, he should immediately communicate with the online lending institution, and strive to intercept some personal bad records that can be reported to the credit investigation.
In addition to the central bank's credit information, there are actually other credit information systems. The loan records of online loan users will generally be recorded by online loan big data, and the main information is the user's loan information and default information. If you don't know the status of personal online loan big data, you can check it in the "Sky Data" in WeChat and find this applet.
Here to share with you a knowledge, our online loan records may not be shown on the credit report, because many online loans are not connected to the credit report, and many times, it can be seen in the online loan data.
The online loan records on the online loan data have been kept for a long time, after all, the big data of online loans has only appeared for a short time. For online lending institutions that are not connected to credit information, they have inherent weaknesses in risk control.
Therefore, they are more dependent on their common means of online loan data risk control. Most of the information in the online loan data, such as application records and repayment records, is "only in but not out" and will be permanently preserved. So don't expect any data updates to have your bad past records overwritten, it's just a pipe dream.
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Anonymous users2024-02-04It will take more than five years to eliminate.
Since the retention period of the credit bureau's negative personal information in the online loan application is 5 years, it is calculated from the date of termination of the bad behavior or incident, so it will be deleted after five years.
Overdue records can only be cleared within 5 years after settlement, which is calculated from the date all payments are settled; The inquiry record needs to be kept on the credit report for 2 years, and it will be automatically cleared after 2 years.
Legal basis: Article 16 of the "Regulations on the Administration of the Credit Reporting Industry" provides that the period for credit reporting establishments to retain negative personal information is 5 years from the date on which the negative conduct or incident is terminated; Where it is more than 5 years old, it shall be deleted. During the period for storing negative information, the information subject may make an explanation of the negative information, and the credit reporting establishments shall record it.
Generally, it takes 5 years for the online loan record on the credit report to be eliminated, while the online loan record in the online loan database only takes 12 months to be eliminated. If it is not overdue, it will generally not have an impact, so don't worry too much. Many people mistakenly think that the online loan approval rate is affected by the online loan record, but it is actually the online loan approval rate affected by the Internet black index score.
Once it becomes the list of online loan black reputation, then whether it is an application for an online loan or a car loan, it will be rejected, and it will affect the amount of Huabei and Borrow, and in serious cases, it will even lead to Huabei and Borrower being closed. Therefore, when applying for online loans for a long time, you must check your online black index score in time to prevent becoming an online loan blacklist without knowing it. <>
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