1. Data synchronization delay: There may be some delay in data synchronization of banks or online lending platforms, which makes it impossible for credit reporting agencies to update the latest repayment information. It is suggested to wait for a while to check the credit report to ensure the accuracy of the data.
2. Error reporting: The error in the credit report is also one of the possible reasons. Please check the relevant repayment records and contact the credit bureau to provide evidence to prove your repayment. They will verify and correct the mistakes.
3. Involving a third party: Sometimes, there may be a cooperative relationship between the online lending platform and the credit reporting agency, and the third party agency may send the settlement information to the credit reporting agency after you repay the loan. In this case, it may take extra time to update your credit report.
Summary:
If your online loan has not been returned, but the credit report shows that it has been settled, please wait patiently for a few weeks first so that the data can be synchronized. If the problem still exists, you should contact the credit bureau to verify the mistake and provide relevant evidence. Ensuring the accuracy of personal credit report is very important for your credit record.