How often is the online loan application record updated?

The online loan record is updated every month, and it takes about 12 months to completely eliminate the adverse effects.

The score standard of the Internet black index is 0-100 points, the higher the score, the better the credit, when the score is lower than the score, it becomes the online loan blacklist.

There are only two conditions that can affect the score of the Internet Black Index, one is that there are too many online loans applied for recently, and the other is that there are overdue online loans in the past 3 months.

If you want to restore the normal online black index score, you need to wait patiently for 3-6 months not to apply for an online loan, and the online black index score will slowly return to normal.

Therefore, it is recommended that long-term online loans must be checked in time to prevent them from becoming blacklisted online loans due to slow application.

You only need to open WeChat and search: Mimi data. Click to query, enter the information to query their own Baihang credit data, the data comes from more than 2,000 online loan platforms and UnionPay centers across the country, users can query their own big data and credit situation, can obtain various indicators, query their own personal credit situation, online black index score, blacklist situation, online loan application records, application platform type, whether it is overdue, overdue amount, credit card and online loan credit estimate and other important data information.

Compared with the personal credit report of the central bank, the atmosphere of personal credit records is more extensive, and the institutions issued are more diverse, such as Mimi data, sesame credit scores, etc., all of which are part of personal credit records, and on the whole, they are more similar to the big data credit information on the Internet, which is a useful supplement to the traditional personal credit report.

At present, the state is building an all-round "credit network" without dead ends, connecting the society and sharing information, whether it is credit reports or personal credit records, which are important parts. Protect your credit, for everyone, credit is the greatest asset and wealth.

1. When the user applies for an online loan, the personal online loan credit data will be left in the big data of the online loan platform, which will be reflected in the user's online loan big data.

3. After the data is updated, you can see the records you have applied for, but the previous records cannot be deleted.

Application records are kept for 5 years.

If you are using a credit card, the credit card record rollover can overwrite the previous record, and the record can be erased in 2 years.

Now, as long as it is a formal online lending institution, it is also linked to credit reporting, and it is also necessary to pay attention not to overdue, otherwise it will leave a stain on your online loan big data, which will affect personal credit. It is recommended that you try to conduct a credit test on WeChat "Raindance Quick Check" to find out whether you have an overdue record, and if so, quickly contact the institution, take the initiative to repay, and eliminate the negative record of overdue.

1. It is reported that it is easier to apply for online loans before 8 o'clock in the morning. Before 8 o'clock in the morning, it is a non-working time, and this time misses the peak period of loans, and after the borrower applies for an online loan, the old nonsense of review and disbursement is relatively fast. After 8 a.m., there are more people who apply for loans during working hours, and the review will be carried out in the order of application, so that the review will take more time.

2. When applying for an online loan, if you want to improve the chance of approval, you should pay attention to filling in each item on the application page clearly when filling in the personal information to ensure that there are no missing parts, and check the accuracy of the information before submitting. If you also need some information** from the borrower when applying, you can also provide as much as possible, and the richer the asset income, the better.

Extended information: 1. Is it easy to apply for an online loan during the day or at night?

In fact, this cannot be judged from a single aspect, mainly depending on what kind of online loan is handled, after all, online loans will be different in terms of review mechanism and loan amount.

1. Ease of Flowers.

Such online loans will limit the scale of lending, only take out part of the amount of lending every day, and users need to grab the quota to borrow money, and there are more people who grab the quota during the day, and it is not easy to apply, so many people are grabbing the quota in the early hours of the evening, so that the probability of fewer people to grab during the peak period will be greater.

2. There is no limit on the scale of online loans, and the loan amount is sufficient, so it is best to apply during the day, after all, although there are many online loans that are automatically approved by the system, some people will need to be manually reviewed, but the customer service is off work at night, and you still have to wait until the next day to review during the day.

But in either case, whether the online loan can be successful or not is not determined by the application time, and the key is that the borrower's qualifications meet the standards.

Most online loans are licensed institutional products, and the audit focuses on two aspects, namely the borrower's repayment ability and creditworthiness, which can be obtained from the borrower's credit report.

Find out. Lending institutions can judge the creditworthiness of the borrower from the borrower's repayment situation, and infer the borrower's repayment ability based on income and liabilities.

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.

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 long loans caused by frequent applications in the user's online loan big data, then the user's online loan big data is good, and this will 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 query the online loan data report through "Blue Ice Data", which includes the number of applications of state-bright users, online loan data, online black index score, hit risk warning, court prosecution information, arbitration case information, and dishonest person information. The data is very accurate.

Extended information: Can I appeal if I am overdue on the credit investigation of an online loan?

How long is the overdue online loan will be on the credit report, which is mainly discussed in two situations.

1. There is no grace period, and the overdue repayment record is on the credit report after the repayment date.

If the online loan platform does not provide a grace period for repayment, then the user has not repaid the loan after the repayment date, and the resulting overdue record will be reported on the credit report. Even if the user repays after the repayment date, it is considered overdue repayment. When the overdue repayment is overdue, the overdue record is automatically deleted, and the user can only wait for the overdue arrears to be paid off.

2. There is a grace period, and the overdue repayment record is on the credit report after the grace period.

The online loan platform provides a grace period for repayment, and the repayment period from the repayment date to the grace period is counted as the user's repayment on time. Repayment on time will not result in overdue records and overdue interest, so that there will be no overdue records uploaded to the credit report. If the user fails to repay the loan after the grace period or does not repay the loan after the grace period, the online loan platform will be deemed to be overdue.

As long as it is overdue, overdue records and overdue interest will be generated, and then the online loan platform will upload the overdue records to the user's personal credit report in accordance with relevant regulations.

The above two situations will lead to overdue records on the credit report, and overdue records in the credit report will lead to poor personal credit reporting, and will also affect the user's application for other loan business. After the overdue balance is paid off, the overdue record will not be automatically deleted until 5 years have passed. Therefore, once there is an overdue, please pay off the overdue arrears as soon as possible, so that the personal credit can be restored as soon as possible.

It generally takes about 1 month for financial institutions to update their credit information. Because the time for major banks and financial institutions to report credit is different, sometimes once a month, sometimes several times a month, if your data is just stuck at the point where the report is completed, it may not be reported for a short period of time in the near future. Moreover, after the financial institution reports the data, it will take time for the central bank's credit information center to process it, so it will take a while for the final display to be displayed.

In short, it takes about 1 to 3 months from the full repayment of the small loan to the credit update, and sometimes it can be displayed immediately if it is so fast.

If you are unsure of your personal credit history, you can obtain a personal credit big data report in Eagle Heart Quick Check. It is based on data from a large number of lending platforms and can be used to provide detailed credit assessments.