Too many online loan registrations to clear the method:

1, clean up the debt, if there are too many online loans on the credit, resulting in a high indebtedness rate of the borrower, which leads to the "credit spent". Borrowers can first apply for their own online lending platform listed on the credit, as soon as possible to settle them, reduce indebtedness, but also lest overdue to leave a tainted record.

2, no longer apply for new online loans, want to eliminate online loan records, the first thing to do is no longer apply for new online loan platform. Most of the financial institutions look at the borrower's loan record in the last two years, then during this time, the borrower should not apply for online loans or other loans, it is best not to even apply for a credit card, and to properly raise the credit.

3, reduce curiosity, many borrowers have too much online loan records, in fact, because of curiosity, check the amount, leaving traces. As long as the borrower clicked on the "view limit", credit will leave a record, so you must curb their curiosity.

How to delete the loan record of personal credit?

The record of the user applying for an online loan cannot be deleted on its own. This record will generally exist in two places, one is the personal credit report, and the other is the lending institution system. In the former, as long as the user pays back the loan on time, then the borrowing record will become part of the personal credit report, and this record will never be deleted. In the latter case, the lending institution will retain the user's borrowing information unless the user logs out of the account, then the borrowing record may be deleted.

So, after a user applies for an online loan, the loan record is usually retained for a long time, but as long as no overdue records are generated, the loan record does not affect personal credit.

How to eliminate more online loan applications

The online loan application records cannot be eliminated.

The records left behind by online loan applications are generally retained permanently in the credit (big data), and can't be forcibly eliminated manually, nor will the system actively delete them. However, such records will not bring any adverse effects to customers as long as they are not excessive, so you can rest assured.

If the loan record is too much to cause the credit (big data) to become "spent", then the customer will temporarily keep at least three months to not apply for a new loan (as well as can take advantage of this period to repay the name of the outstanding loan), and so on the three months past, the credit (big data) to become "spent", then the customer will not be able to apply for a new loan. The "flower" situation should improve.

Internet loan application records uploaded to the credit center can not be eliminated, if the investor, then wait until the complete return of funds, and then withdrawals are completed and then cancel, if the borrower, then you have to pay back the money and then cancel, can not be independently canceled platform to contact the platform customer service cancellation.

Users applying for online loans as long as they can pay back on time is not going to have any effect, online loan applications do not pay back on time will only have an impact on the individual, late records will be uploaded to the credit center, which is when the personal credit will become bad.

When borrowing money through online lending platforms, users must refrain from borrowing too much to prevent themselves from repaying on time. This is because the interest rates on online lending platforms are relatively high.

The amount of money borrowed through online lending is usually not very high, most people's amount is between a few thousand dollars, but the user in a single platform to borrow more, later will raise the borrowing amount.

If the bad record in the credit, the history of the bad record of the late can not be eliminated, the only way is to pay off the money, the bank can only query the last five years of credit records, at least five years to wait until the elimination of the count.

After the borrower provides a pledge, mortgage, third-party guarantee or a certain credit qualification recognized by the Construction Bank, the bank approves the borrower's corresponding pledge amount, mortgage amount, guarantee amount or credit limit. The pledge amount is not more than 90% of the face value of the pledged rights certificates provided by the borrower; the mortgage amount is not more than 70% of the appraised value of the collateral; and the credit limit and guarantee limit are determined according to the credit rating of the borrower.