Legal subjective: online loans are paid off will update the lender's online loan big data, and will not immediately override the lender's credit record. The online loan record is usually updated once every few months, which is more frequent than the credit. Late repayment records will be kept for 5 years after the loan is paid off, and will only be automatically cleared after 5 years. First, how long does it take for credit to be restored after the online loan is paid off 1. The online loan is paid off will update the lender's online loan big data, and will not immediately cover the lender's credit record. The online loan record is usually updated once every few months, and the frequency of update is higher than the credit. Late payment records will be kept for 5 years after the loan is paid off, and will only be automatically cleared after 5 years. If the online loan is paid off, the credit record will show that it is paid off every month after it is updated. The retention period of personal online loan information by credit bureaus is generally from the time when the lender carries out the loan behavior to the end of the fifth year after the loan is repaid.2. Legal basis: Article 16 of the Regulations on the Administration of the Credit Collection Industry stipulates that the retention period of the bad information of an individual by a credit collection agency is five years from the date of the termination of the undesirable behavior or event; any information that has been kept for more than five years shall be deleted. Within the retention period of bad information, the subject of the information can explain the bad information, and the credit collection agency shall record it. Second, how to restore credit after late repayment 1, according to the credit industry regulations, Article 16 provides that the credit agency of the individual bad information retention period from the date of termination of bad behavior or events for five years, more than five years should be deleted. That is to say, after the credit card overdue to pay off the debt, five years will be restored credit. And the requirement of the cardholder during this period, can not appear late record, if there is a late, will produce a new bad credit record. 2, generally pay off the overdue arrears of five years to restore credit. According to the relevant provisions, the credit agency for personal bad information retention period from the date of termination of bad behavior or events for five years, more than five years should be deleted. It is recommended that cardholders develop good repayment habits to avoid overdue. I hope the above content can help you, if you have other questions you can click on the button below to consult, or to the network to consult a professional lawyer. Legal Objective: Article 16 of the Regulations on the Administration of the Credit Collection Industry stipulates that the retention period of the credit collection agency's personal bad information shall be five years from the date of termination of the bad behavior or event; if it exceeds five years, it shall be deleted. Within the retention period of the undesirable information, the subject of the information may give an explanation of the undesirable information, which shall be recorded by the credit collection agency. Article 17 of the Regulations on the Administration of the Credit Collection Industry allows the subject of information to inquire about his or her own information from the credit collection agency. Subjects of personal information have the right to obtain their own credit reports twice a year free of charge. Article 18 of the Regulations on the Administration of the Credit Collection Industry stipulates that if a credit collection agency inquires about personal information, it shall obtain the written consent of the subject of the information and agree on the purpose of the inquiry. However, exceptions are made where the law stipulates that inquiries may be made without consent. Credit bureaus shall not provide personal information in violation of the provisions of the preceding paragraph.