Since most online loans have been connected to the central bank's credit information system, as long as you apply for using relevant records, it will be reflected in your credit information. Even if it has been paid off, there are still relevant usage records in the credit report.

How long will it take to clear the records on the credit report after the online loan is settled?

1. Generally, the credit record will be updated after one month, which means that it will show that your online loan has been paid off after about one month.

2. If you only applied for one loan and didn't apply for other loans at ordinary times, you can wait 1 month before applying for a loan. Loans that are not particularly strict generally have no impact.

3. If you want to wait for the online loan application record to be eliminated, it will take about 5 years before the previous record will be overwritten.

Extended data

1. How many months of inquiry records does the credit report show?

There are many types of credit records, and the display time of different types is different:

1. Credit information records the basic information handled by the lender, including loans, credit cards, guarantees, etc. , will always be displayed in the credit report.

2. Overdue record refers to the record that credit business such as loans or credit cards fails to repay on time, and it will be displayed for 5 years after the termination of bad behavior.

3. Public records refer to payment information such as social security and provident fund, which will show the records of the last five years.

4. Inquiry record refers to the record left after inquiring about the credit report, which will display the inquiry records in the last two years.

How long have you found the influence of online lending on credit reporting?

Not for five years.

Pay off the debt after online lending, and no credit record can be found after 5 years.

According to the relevant requirements of the credit information system of the People's Bank of China, at present, personal credit information can be kept for a maximum of five years, but there is a premise for this five-year period, that is, it will be automatically eliminated after five years from the date when you pay off all the debts. There is no such thing as five years if the money owed is not settled. For example, a person borrowed a sum of money on June 5, 20 19, with a term of one year and due on June 4, 2020. If the normal repayment of this money is not overdue, it is June 2025 10.