How long does it take for a closed online loan record to disappear

There are two types of online lending records, the central bank.

Big data on credit investigation and online lending.

If the central bank's credit is reported, it will only take 5 years to eliminate it, and the big data of online loans will only need 3-6 months to be eliminated.

If you want to know your personal credit and loan status, Bank of China can check it twice a year for free.

How long after the loan is paid off will the credit report will show that it has been settled into two situations:

1.Under normal circumstances, loans from P2P wealth management companies will not be reflected in the credit report, and there is no way to say that the personal loan information is displayed on the personal credit report;

2.If the loan is from the bank, this must be on the credit report, even if the loan is settled, the word settlement will be displayed on the credit report, and the personal loan information will also be reflected from the personal credit report. If the credit investigation is not overdue, the previous loan record can be washed away by good records and covered up.

Personal credit report with ID card.

You can go to the bank to check it.

There are three ways to check the credit report:

1.Bring your ID card to the credit information center of the central bank to conduct on-site inquiry;

2.ATMs at some banks.

The online loan record will not be erased, it will always exist. We often say that credit reporting records disappear after 5 years, referring to negative records, and the retention period of credit reporting establishments for personal negative information is 5 years from the date of termination of the negative conduct or incident, and where it exceeds 5 years, it shall be deleted. "Five years from the date of termination" means that the arrears will only be deleted after five years, and if the overdue record occurs again during those five years, it will be recalculated.

Generally speaking, the credit investigation of the People's Bank of China is covered once every five years, and the coverage refers to the rolling update of new repayment records so that the previous overdue records are overwritten. However, for those who have been overdue, a bad credit record will always exist, and it is recommended that you maintain a good repayment record.

How to find a reliable loan:

One. The product should be formal, whether it is a brand or product qualification, it is more reliable to choose a regular big brand, and the certification ** beware of black loan fraud.

Two. Interest and amount are key. Although the limit of the loan platform is generally linked to personal credit, the formal platform has more activities, the higher the limit and the lower interest. For example, Du Xiaoman Finance.

Its money is spending, which is a regular loan app that belongs to the head. The application for money is simple, the loan is fast, and the borrowing and repayment is flexible, and users can take the initiative to apply. The interest fee for money is transparent, the big brand is reliable, the interest rate is low, and the maximum borrowing amount is 200,000, which can meet the needs of most borrowers.

First, the front. The overdue credit of online loans is generally automatically eliminated within 5 years.

2. Specific analysis.

1. The overdue record of general online loans is usually calculated from the date of repayment of overdue arrears, and the credit information system will automatically eliminate it after 5 years.

2. If it is overdue and has not been processed, then the overdue record will always be displayed on the credit record, and after a long time, it will be considered that the money cannot be recovered, and it will become a bad debt, and the bad debt is a serious credit stain, and the bad debt will be changed to overdue after paying off the overdue debt, and then it will take 5 years to restore the credit.

3. If the overdue record is not caused by the borrower's subjective reasons, such as the loan platform system does not deduct the amount when it expires, or the overdue record caused by the delay in the arrival of the platform, the borrower can provide relevant evidence and submit an application to request the loan platform to restore the credit investigation.

The overdue credit record caused by the borrower's subjective reasons does not support manual whitewashing, so the borrower should not go to the intermediary who claims to be able to help repair the credit investigation online, so as not to be deceived.

The big data of online loans can clearly reflect the user's recent application for online loans, whether the online loans are repaid on time, and whether there is any suspicion of identity information. You can check by a credit inquiry tool such as "Shell Tip Quick Check" to get a detailed risk report.

3. What should I do if the comprehensive score of the loan reminder is insufficient?

If the overall score is insufficient, it is recommended that users postpone the application and do not rush to try to borrow again, as repeated operations will not only fail to make their loan request successfully approved, but will easily increase the possibility of rejection.

The first thing users need to do is to figure out what is wrong with personal credit that will lead to insufficient scoring (you can directly consult the loan handling bank, lending institution, platform customer service), if the other party can not be informed, you can go to play a credit report and check your big data on big data platforms such as Beijian Quick Check and Xiaoqi Xincha, find out the reasons and take corresponding measures to solve the existing problems, and then you can try to borrow again.

For example, if it is found that there are more debts, it is recommended to pay off the debts in your name or try your best to repay more, and then borrow after reducing the personal debt ratio. In addition, if there is a long loan situation and the credit investigation (big data) is "spent", it is recommended not to apply for a new loan for at least three months, and then borrow after the three months have passed and the big data (credit information) has been "spent".

If you find that your personal credit is not good, and there is bad information in big data (credit information), such as failing to repay on time and leaving an overdue record, you must pay off the arrears quickly, and then spend time patiently to maintain your credit, and wait for when the damaged credit is repaired, and then you can borrow again (it is recommended to wait for three to six months to see again).

After the online loan is repaid, the repayment record will be uploaded to the credit report, and even if the loan is settled, the loan record will be permanently retained in the credit report and become part of the personal credit report. However, the online loan record is not creditworthy, and the internal system of the loan company will also record the user's loan information, which can be used to judge the user's comprehensive credit situation.

Therefore, online loans will be repaid on time and overdue, but the record of on-time repayment is a normal record, and the normal loan record will not affect personal credit.

You can check in Xiaoqi Xincha to view your own online loan big data information. The database cooperates with more than 2,000 online lending platforms, and the data queried is very accurate and comprehensive.

If the online loan record that has been settled is on the credit report, this record will never disappear and will always be retained in the credit report.

If you don't go to the credit information, you will go to the online credit information, and the credit information network credit of normal repayment will always be retained.

Only overdue online loan records will only be retained in the credit report for 5 years after the overdue arrears are settled, and the overdue records that have been settled after 5 years will be deleted.

Therefore, as long as the loan record applied by the user is repaid normally, this record will be permanently retained and will not be deleted.

Summary. Hello dear. The online loan record that has been settled disappears after 5 years.

Online loan repayment on time and settled: After the outstanding amount is paid off, the loan record will always be kept in the personal credit report. Normal credit history is part of personal credit reporting, and this part of the record will not affect personal credit reporting.

Settlement after overdue online loans: normal loan records have been kept without deletion, and overdue records will be retained in the credit report for 5 years from the date of repayment, and will be automatically deleted after 5 years.

Hello dear. The online loan record that has been settled disappears after 5 years. The online loan is repaid on time and has been settled

After paying off the debt owed to the gods, the loan record will always be kept in the personal credit report. Normal credit history is part of personal credit reporting, and this part of the record will not affect personal credit reporting. Settle after the online loan is overdue:

Normal loan records are kept without deletion, and overdue records are retained in the credit report for 5 years from the date of repayment, and are automatically deleted after 5 years.

Pro: It starts from the day you settle your online loan and will be back covered after five years.

I applied for an online loan before 2016 and settled it all in 2017.

Your credit report is not showing 0

In the overdue section.

Right. That is, it has not been settled, and the amount that is overdue is very small.

If you settle the bill, n will generally be displayed in the overdue column

Maybe just a few cents.

My queries with UnionPay are all Henggang.

There is no n or 0

The credit report is overdue, but the overdue amount is displayed as 0, because the overdue amount is less than 1 yuan, so it is displayed as 0 in the credit report.

Is there a People's Bank near your home or place of work?

If you have the People's Bank of China, you can print a personal report of your detailed credit report.

Will the online loan record be permanently displayed in the credit report if the loan is fully settled?

Will this record be cleared five years from the date of full settlement?

It's going to be overwritten.

Your bad credit loan record will also be overwritten.